Actual Budget
Fewer than 5 people recommend it so far, so there's no written verdict. Here is what commenters said.
4recommend
0warn against
Nov 9, 2025first mention
Oct 14, 2026latest mention
Why people recommend it
“actual budget can set starting balances and transactions, so it will show the real account balances”
“actual budget: personal finance”
Show 3 more
“Now I'm on Actual Budget, a nice FOSS envelope budget app that can import transactions from my bank.”
household budget with 68 categoriesswitched from Ledgeron “One Number I Trust: Plain-Text Accounting for a Mult…”
“I've really enjoyed Actual Budget”
“especially loving Immich and Actual Budget”
not in IT, Linux useron “Ask HN: What Are You Working On? (Nov 2025)”
Caveats and dissent
No one in these comments warned against it.
Often compared with
Who recommends it in their own words
Threads where it came up
- Ask HN: What self-hosted apps do you use daily? 3 mentions
- Show HN: Pulse Local, a Mac budgeting app whose AI models run on your machine 1 mention
- Ask HN: What do you run on a $5 VPS that's worth keeping online 24/7? 1 mention
- One Number I Trust: Plain-Text Accounting for a Multi-Currency Household 1 mention
- Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker 1 mention
- Ask HN: What Are You Working On? (Nov 2025) 1 mention
Data: actual-budget.json. Quotes are verbatim; the verdict and theme labels are written by a model from these comments, and every clause links to its sources.
All comments 8
“It is what I have been using for my local setup with Actual budget.”
“I run the following services / apps.”
“I just started using it this year too”
“actual budget can set starting balances and transactions, so it will show the real account balances”
“actual budget: personal finance”
“Now I'm on Actual Budget, a nice FOSS envelope budget app that can import transactions from my bank.”
“I've really enjoyed Actual Budget”
“especially loving Immich and Actual Budget”