actualbudget/actual

Features

• Budget Allocation - Enables users to assign available account balances to specific spending categories until the total reaches zero.
• Personal Finance Management - Tracks income and expenses across multiple accounts to maintain a balanced budget and monitor financial health.
• Budgeting Workflows - Maintains a balanced budget by integrating transaction imports, category management, and income holding into a unified workflow.
• Personal Finance Applications - A data-centric application that prioritizes offline access and local file storage while offering optional synchronization with remote servers.
• Financial Arithmetic Libraries - Represents all currency values as integers to avoid floating-point rounding errors during calculations.
• Account Registration - Supports connecting bank providers and manual entry to begin tracking financial data.
• Transaction Scheduling - Defines recurring payments with custom frequencies and logic to track expected future expenses.
• Local-First Synchronization - Maintains consistent records across devices by prioritizing offline access with secure, conflict-free remote updates.
• Conflict-Free Replicated Data Types - Uses conflict-free replicated data types to merge budget changes across multiple devices without data loss.
• Event Sourcing - Stores every transaction as an immutable sequence of events to ensure auditability and data recovery.
• Budgeting Tools - Supports manual budget entry and copying allocations from previous months to streamline monthly planning.
• Financial Account Management - Allows users to classify accounts as on-budget or off-budget to separate daily cash flow from long-term assets.
• Financial Analytics - Identifies spending habits and fluctuations by comparing expenses across different time periods.
• Transaction Automation - Streamlines data entry by identifying recurring payment patterns and automatically scheduling future expenses.
• Financial Analytics - Visualizes spending habits and net worth fluctuations to identify savings opportunities.
• Relational Database Engines - Stores all financial data in a local relational database file to ensure high performance and offline availability for the user.
• Remote Server Synchronization - Synchronizes local budget files with remote servers to enable offline access through automatic caching.
• WebAssembly - Executes core financial calculations within a sandboxed environment to ensure consistent behavior across platforms.
• Arbitrary Precision Arithmetic - Represents currency as integers to eliminate floating-point rounding errors during budget calculations.
• Budget Fund Reallocation - Allows users to move money between categories to adjust funds based on changing spending needs.
• Financial Planning Tools - The application estimates financial independence dates by comparing passive investment income against future living expenses using configurable withdrawal rates and return estimates.
• Net Worth Tracking - Monitors net worth over time by calculating the total balance of all cash, assets, and debts.
• Transaction Automation Rules - Links recurring schedules to automated rules to categorize and annotate transactions upon entry.
• Cash Flow Analysis - Monitors available money by tracking income and expense fluctuations across all budgeted accounts.
• Data Backup Solutions - Allows triggering manual backups to create restore points before performing significant data changes.
• Financial Data Import - Processes bulk financial data from external files into the budget database using high-speed methods.
• Distributed Synchronization Protocols - A distributed state management approach that merges budget changes across multiple devices without data loss or corruption.
• Future Income Allocation - Allows users to retain current month income for allocation in future months.
• Recurring Transaction Detection - Scans transaction history to identify recurring patterns and automatically generate new schedules.
• Currency Conversion - Transforms currency amounts between formats to maintain precision during financial calculations.
• Interface Theming - Enables users to apply custom visual styles via community catalogs or direct style definitions.
• Account Lifecycle Management - Provides tools to close accounts while managing remaining balances and historical record retention.
• Financial Planning Utilities - Allows configuring categories to carry over negative balances for tracking debt and reimbursable expenses.
• Transaction Summarization - Calculates total sums and monthly averages for transaction data to maintain financial oversight.
• Data Maintenance Utilities - Ensures data consistency by clearing caches, repairing transaction splits, and managing internal state.
• Feature Flagging - Provides a mechanism for users to opt-in to unreleased or experimental functionality.
• Virtual DOM Implementations - Updates the user interface efficiently by calculating minimal changes to the view hierarchy based on current budget state.

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