{
  "slug": "actual",
  "category": "budgeting",
  "name": "Actual",
  "description": "Local-first personal finance app based on envelope budgeting, with optional self-hosted sync between devices and optional end-to-end encryption.",
  "website": "https://actualbudget.org",
  "source": "https://github.com/actualbudget/actual",
  "license": "MIT",
  "platforms": [],
  "jurisdiction": null,
  "pick": false,
  "pick_reason": null,
  "disclosure": null,
  "grade": "B",
  "score": 80,
  "coverage": 100,
  "summary": "Actual scores 80 out of 100 (grade B) on the budgeting criteria. It meets 3 of 4 criteria: open source, no trackers or telemetry and no ads or data sales. It does not meet independent audit.",
  "url": "https://privacyratings.com/budgeting/actual/",
  "markdown": "https://privacyratings.com/budgeting/actual/index.md",
  "answers": {
    "open_source": {
      "title": "Open source",
      "weight": 3,
      "answer": "yes",
      "evidence": "https://github.com/actualbudget/actual/blob/master/LICENSE.txt",
      "note": "MIT."
    },
    "no_trackers": {
      "title": "No trackers or telemetry",
      "weight": 3,
      "answer": "yes",
      "evidence": "https://actualbudget.org/docs/privacy-policy/",
      "note": "The privacy policy states that no data is collected automatically and no tracking is used."
    },
    "no_ads": {
      "title": "No ads or data sales",
      "weight": 2,
      "answer": "yes",
      "evidence": "https://opencollective.com/actual",
      "note": "Community project funded by donations through Open Collective, with no ads."
    },
    "independent_audit": {
      "title": "Independent audit",
      "weight": 2,
      "answer": "no",
      "evidence": null,
      "note": "No independent audit is published."
    },
    "transparency_report": {
      "title": "Transparency report",
      "weight": 2,
      "answer": "n/a",
      "evidence": null,
      "note": "Only applies to hosted services with a website to test."
    },
    "user_notice": {
      "title": "Tells users about requests",
      "weight": 1,
      "answer": "n/a",
      "evidence": null,
      "note": "Only applies to hosted services with a website to test."
    },
    "tls": {
      "title": "TLS configuration",
      "weight": 2,
      "answer": "n/a",
      "evidence": null,
      "note": "Only applies to hosted services with a website to test."
    },
    "security_headers": {
      "title": "Security headers",
      "weight": 1,
      "answer": "n/a",
      "evidence": null,
      "note": "Only applies to hosted services with a website to test."
    },
    "web_standards": {
      "title": "Modern web standards",
      "weight": 1,
      "answer": "n/a",
      "evidence": null,
      "note": "Only applies to hosted services with a website to test."
    }
  },
  "tests": {
    "ssllabs": null,
    "observatory": null,
    "internetnl_web": null,
    "internetnl_mail": null,
    "trackers": [],
    "tested_at": "2026-10-01T07:01:11.003Z"
  },
  "last_modified": "2026-10-01T07:44:20Z"
}