Local-first personal finance tool based on zero-sum budgeting, supporting synchronization across devices, custom rules, manual transaction importing (from QIF, OFX, and QFX files), and optional automa
Actual is an open-source money, budgeting & management project, with 28k GitHub stars and a health score of 100/100. It committed 1443 times in the last twelve months across 12 of those months, and its status is actively maintained. Licence: MIT. It has real momentum, so treat it as a live competitor rather than a stale repository.
| Status | Actively maintained — Committed within the last 45 days. |
|---|---|
| Last commit | 2026-08-15 |
| Days since last commit | 2 |
| Commits, last 3 months | 304 |
| Commits, last 12 months | 1443 |
| Months with activity | 12 of 12 |
| Last release | 2026-08-07 |
| Archived | No |
| Licence | MIT |
| Category | Money, Budgeting & Management |
Health score combines commit recency, twelve-month commit volume, months with activity, release recency and archive state. Metadata refreshed August 2026.
Permissive (MIT, Apache, BSD): you can fork it, close the source and sell it. Lowest legal friction for a commercial product.
This matters most when you plan to sell a hosted version. A permissive licence means anyone — including a competitor with more capital — can do the same, so your defensibility has to come from distribution, support or data, not from the code.
Actual is shipping code consistently, so a buyer comparing your product will find a maintained free option. Price and position against the total cost of self-hosting it, not against the paid incumbent's list price.
Assume every prospect can find a free version in five minutes. Your wedge has to be something open source structurally cannot deliver: compliance, support SLAs, managed hosting at scale, or a workflow the maintainers refuse to build.
Actively maintained. Actual recorded 1443 commits over the last twelve months, with activity in 12 of those months and 304 commits in the last quarter. Last commit: 2026-08-15. Last release: 2026-08-07. Committed within the last 45 days.
Actual is published under MIT. Permissive (MIT, Apache, BSD): you can fork it, close the source and sell it. Lowest legal friction for a commercial product.
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