Actual Budget, native on iPhone and iPad.

Your budget lives on your device and works offline. Changes sync with the Actual server you already run.

No server yet? The beta includes a demo budget.

0.8.1 (22) · October 22, 2026

Monthly budget with To Budget, an uncategorized transactions alert, and envelope available amounts.

Spending feed of transactions grouped by day, with category and account chips.

Your server, not ours

No Actualist account, cloud, or analytics. The app talks only to your Actual server, and to SimpleFIN if you set it up. Your sign-in details stay in the iOS Keychain. Privacy

iPhone & iPad Local copy, works offline
⇄
Your Actual server Home lab, NAS, or VPS
Actualist cloud Does not exist

Why a native app

Opens instantlyReads your saved budget first, syncs in the background.
Widgets, Siri & ShortcutsBalances and quick actions without opening the app.
Made for iPadSidebar, keyboard entry, up to five months side by side.
Native chartsNet worth, cash flow, and spending reports.

Accounts
Reports

iPad budget showing June, July, and August side by side with the sidebar, including an overspent Groceries category. — iPad · Screenshots use sample values.

What works today

Envelope & tracking budgets	Yes	Move money, hold, templates, rollover
Transactions	Yes	Create, edit, split, transfer, bulk edit, CSV import and export
Schedules	Yes	Create, edit, skip, and post
Accounts	Yes	Add, rename, close, reopen, reconcile
Reports	Yes	Net worth, cash flow, spending, with drill-down
Widgets, Siri & Shortcuts	Yes
Encrypted budgets & OpenID	Yes	Plus custom headers and fallback servers
Bank Sync	Partial	SimpleFIN only, plus Apple Wallet import
Rules & templates	Partial	Split rules and note-based templates are read-only

Full feature notes on GitHub

What you need

iOS or iPadOS 26 or later
An Actual server with a synced budget, or just try the demo
A way to reach it, including over VPN or Tailscale