Actual
Actual is a personal budgeting app for macOS that helps you manage household finances, track spending, and organize budgets on your own computer.
What is Actual?
Actual is a personal finance and budgeting app for macOS that helps users plan spending, organize accounts, and keep a clearer view of everyday money decisions. It is designed for people who want a dedicated desktop budgeting tool rather than a spreadsheet, and it supports workflows ranging from simple household budgeting to more detailed financial tracking. The desktop app can be used on a single computer, and the broader Actual platform also supports syncing through a separate server setup when users want access across devices. Common use cases include tracking transactions, reviewing budget categories, monitoring account balances, and maintaining a longer-term picture of income and expenses. The app stores budget files locally on the computer, which is useful for users who prefer direct control over their financial data. Actual is published by Matiss Janis Aboltins.
Key features
- Create and manage personal or household budgets
- Track transactions and spending by category
- Review account balances and budget activity in one place
- Store budget data locally on your computer
- Use the desktop app on a single Mac without a separate mobile setup
- Sync budgets across devices with a separate server configuration
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Safety overview
Status: Mostly safe
This is a legitimate budgeting application. Because it works with financial records, it can store sensitive information such as account names, balances, and transaction history in its data folder. Access to your Documents folder or another chosen storage location is normal for this type of app. Keep it if you use Actual, protect your Mac account, and make backups of your budget data if it matters to you.
Recommendation: Keep Actual if you use it for budgeting or financial tracking. If you no longer use it, you can remove the app and its related data, but do that only after exporting or backing up any budget files you want to keep.
Common paths
/Applications/Actual.app~/Documents/Actual
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