Actual Budget Cloud
Take control of your finances — fully managed, private, and ready in one click.
Take control of your finances — fully managed, private, and ready in one click.
Everything you need to master your budget — zero hassle
Your budgeting app is live in seconds — no server setup, no technical skills required.
Your financial data stays yours with optional end-to-end encryption and self-hosted syncing.
Access your budget from your phone, tablet, or computer — always in sync, even offline.
Budget with real money you actually have. Stop guessing and start saving every month.
Connect your bank accounts automatically via goCardless (EU/UK) or SimpleFIN (US/Canada).
Visualize your net worth, cash flow, and custom reports to make smarter financial decisions.
The open-source budgeting app loved by thousands — now as a hassle-free cloud service
Actual Budget Cloud is the hassle-free way to run Actual Budget, the beloved open-source personal finance app — without touching a server.
Powered by the envelope budgeting methodology, Actual helps you budget with the money you actually have. No guesswork, no overspending — just clarity and control over every dollar.
Most budgeting apps are either too simple, too expensive, or harvest your data. Self-hosting gives you control, but demands time and technical skills.
With Actual Budget Cloud on K3Mate, you get the best of both worlds:
| Feature | Description |
|---|---|
| Envelope Budgeting | Budget only with money you have on hand. Stay realistic, save more. |
| Bank Sync | Auto-import transactions via goCardless (EU/UK) or SimpleFIN (US/Canada). |
| Multi-Device Sync | Works offline-first, then syncs seamlessly across all your devices. |
| Reports & Analytics | Net worth, cash flow, and fully customizable reports at a glance. |
| Transaction Management | Split transactions, transfers, categories — fast and intuitive. |
| Import & Migration | Import QIF, OFX, QFX, CSV files. Migrate from YNAB in minutes. |
| Dark Mode | Easy on the eyes, day or night. |
| Developer API | Build custom integrations and importers with a full-featured API. |
| End-to-End Encryption | Optional E2EE — even the server can't read your data. |
| Self-Hosted | Actual Budget Cloud (K3Mate) | |
|---|---|---|
| Setup time | 30–60 min | < 2 min |
| Server management | You | We handle it |
| Automatic updates | Manual | ✅ Included |
| Backups | Your responsibility | ✅ Automated |
| SSL / HTTPS | DIY | ✅ Built-in |
| Custom domain | Complex | ✅ One-click |
| Scalability | Limited | ✅ Cloud-native |
Your financial data is sensitive. Actual Budget is local-first — your data lives on your devices and syncs through your own server instance. Enable end-to-end encryption and even the hosting infrastructure can't access your numbers.
Start your free 14-day trial — no credit card required. Take control of your money today.
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Answers to the most common questions before you get started.
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