Actual Budget
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Actual Budget brings the envelope method (digital version of the cash-stuffing technique) to your iPhone with a focus on privacy and control. The app encrypts all data locally on your device and syncs it to your own server or cloud storage, meaning you own your financial data completely rather than trusting a company to hold it.
This is the right choice if you value privacy, prefer open-source software, and want hands-on envelope-style budgeting. It requires more setup than cloud-based competitors but gives you total transparency into how your data is handled and stored.