Smarter personal finance
82%of people don't know where their money goes.
Actual fixes that. We turn your income, expenses, and goals into a smart financial plan powered by AI, made for real life.
Don't worry, I am always with you.
Features
Overview
Try Demo Access
Let visitors open a read-only demo instantly, so they can explore Actual before creating an account.
Add Transaction
Transaction History
Review every income and expense in a structured table with search, filters, category labels, recurring status, and pagination.
Budget Planning
Budget Planning Workspace
Manage total monthly budget, category caps, and savings goals together so spending limits and targets stay visible in one place.
Reports
Monthly Reports Dashboard
Review past months with income, expenses, net savings, category breakdowns, transaction counts, and a monthly Kubera takeaway.
Analytics
Transaction Overview Chart
Compare income and expenses across time with account filters, range filters, totals, and daily bars for quick trend spotting.
AI Insights
Meet Kubera
Introduce the AI finance guide with a warm Kubera identity before users move into chat, insights, and guided money decisions.
Debarghya
Bandyopadhyay
Creator of Actual
Creator Details
Hi friends, I am Debarghya Bandyopadhyay, the creator of Actual. I love building modern web applications and SaaS products using AI-assisted workflows, rapid prototyping, and technologies like React.js, Next.js, Node.js, MongoDB, TypeScript, and Python. Actual is built from my interest in personal finance, practical web development, and tools that make everyday money decisions easier.
B.Tech
Netaji Subhas Engineering College, Kolkata
Diploma
Technique Polytechnic Institute, Hooghly
Motivation
Motivation for creating this project.
The main motivation for this project comes from my personal experience during my diploma college life. After moving away from home and living in a hostel, I found it difficult to manage my monthly expenses and savings. Although my father regularly sent money for my education and living costs, I often could not track where the money was being spent.
Managing expenses such as food, rent, travel, fees, and emergencies became challenging alongside academic responsibilities. I realized that many students face similar issues due to a lack of budgeting and expense-tracking habits.
To address this problem, I developed an AI-Powered Personal Finance Analytics System. The system helps users track expenses, analyze spending patterns, manage budgets, and receive smart financial insights, making personal finance management simpler and more effective.
