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Actual Budget

Website: https://budget.deepinthesand.com

What it does

An envelope / zero-based budgeting app (YNAB-style) with local-first sync. Data is encrypted on the server; the client does the heavy lifting.

Replaces

YNAB, Quicken, Mint, Monarch Money.

Login

Authentik SSO for the server, plus your end-to-end encryption password (set on first use). Keep that E2EE password safe — the server cannot recover it. Save it in Vaultwarden.

Apps

  • Web: the URL above.
  • Desktop: Actual for Windows / macOS / Linux from https://actualbudget.org/download.
  • Mobile: Actual for Android & iOS (point at the server URL).

Quick start

  1. Sign in via Authentik.
  2. Create a budget, set an E2EE password, store it in Vaultwarden.
  3. Add accounts, categorise transactions, assign every dollar to a category each month.

Problem with this service? Message Ammo or email admin(Q)deepinthesand(P)com.