I would love to take Actual, if somebody was going to do this, is to focus less on the zero-based budgeting - and if any Actual users are listening to this, don't freak out; that's always going to be there. But there's totally a capability for this to be a more generic transaction management tool

You can split transactions among multiple tags or categories and exclude them from reports and the Spending Plan.

Sankey diagramThis is the most intuitive way to see where all of your money is going at a glance.

Our diagrams and charts make it easy to see where every dollar of your hard-earned money is flowing, so you can track your spending patterns at a glance.

Monarch uses AI to clean your transactions, and gets smarter over time. If you want more control, you can use transaction rules to predictably update merchant names, categories, tags, notes, and more to keep everything organized.