Looks cool, but if it can't pull down my bank transactions it's probably DOA for me personally. I can never seem to stick with maintaining manually entering transactions into any of these budgeting apps/spreadsheets.
Mint (RIP) got me the closest, but USAA syncing broke every other damn day for some reason and it couldn't handle reconciling a PayPal transaction and the corresponding bank transactions so all payments I routed through PayPal always ended up being doubled (or in one case tripled lmao)
I tried it earlier this year and it was nice, but lack of automatic transaction importing was a deal-breaker for me. It's so tedious to go through all of your various accounts and run exports, especially considering just how shitty most bank/credit/etc UIs are.
They've been off and on working on or talking about Plaid support, which would probably solve all or most of my complaints (so I'm following the GitHub thread to get notifications):
https://github.com/actualbudget/actual/issues/898
I keep my docker container updated and every few months take a peak to see if there are any notable improvements, but not really going to touch it until that feature gets added.
I like it and have been using it for something like 6 months. I had an issue where I really liked the application and how simple it was but I didn't really want to "budget", just keep an eye on where my money was going. That was fine, just keep zero-ing the numbers every month, slightly tedious though. Now they've got a "report" style behind an experimental flag and that's made it pretty perfect for me.
I set up some family members with the electron app after they had spent 3 days to do in a spreadsheet what I had done in 3 hours in actual. There was resistance initially due to sunk cost fallacy but now they're loving it.
Other options like ynab and firefly were just too bloated and complex for our simple use case.