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. You can contact me at bandyopadhyaydebarghya066@gmail.com. I am pursuing B.Tech from Netaji Subhas Engineering College, Kolkata, and completed my Diploma from Technique Polytechnic Institute, Hooghly. 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 behind developing this project comes from my personal experience during my diploma college life. When I moved away from home for higher studies and started living in a mess or hostel, I faced many difficulties managing my daily expenses and savings. My father used to send money every month for my education and living expenses, but many times I did not understand where all the money was being spent.
As a student living away from home for the first time, managing expenses such as food, market shopping, gas bills, room rent, semester fees, travel, and emergency costs became very difficult. Along with academic pressure, assignments, exams, and study schedules, maintaining proper financial records manually was complex and time-consuming.
I realized that many students face the same problem during their college life. Most students do not have proper knowledge of budgeting, expense tracking, or financial planning. Small daily expenses gradually become large monthly expenses without students noticing it.
This problem inspired me to develop an AI-Powered Personal Finance Analytics system that can help students and individuals track their expenses, analyze spending habits, manage budgets, and receive smart financial insights using Artificial Intelligence and Data Analytics. The project aims to simplify personal finance management and help users make better financial decisions in their daily lives.