Last updated: 30 August 2026
Actual Budget Personal is a private, self-hosted application used solely by its owner for personal financial management and budgeting.
The application may process bank account information, balances, transaction history, payees, categories and other financial information necessary for personal budgeting.
Bank account connectivity is provided through Enable Banking and the participating financial institutions. Authentication with a bank is performed through the bank's own authorization process.
Financial information is processed only for the owner's personal budgeting, reporting and financial management.
Budget data is stored on a privately administered self-hosted Actual Budget server. Access to the application is protected by authentication and HTTPS.
Personal financial data is not sold and is not used for advertising. Data may be processed by Enable Banking and the relevant financial institution only as required to provide bank synchronization.
This service is not offered to the general public and does not provide financial, investment or banking advice.