Best budgeting apps
Personal budgeting and expense-tracking apps, from envelope and zero-based budgeting to trackers that sync with your bank automatically.
17 apps, ordered by visits from AppBreakup and how often our research lists each one as an alternative. Open any app to see its alternatives.
All budgeting apps
- Alternatives to YNAB
Subscription zero-based budgeting app built around giving every dollar a job before you spend it.
PaidWeb, iOS, Android - Alternatives to EveryDollar
Ramsey's zero-based budgeting app, free for manual budgets, with bank connect and coaching on premium.
Free plan + paidWeb, iOS, Android - Alternatives to Hunter Vault
Gamified budget and expense tracker for iPhone and Android that works offline, with no bank login.
Free plan + paidiOS, Android - Alternatives to Actual Budget
Free, open-source, local-first envelope budgeting app you can run yourself, with optional bank sync.
Open sourceSelf-hostableWeb, Windows, macOS, Linux, Self-hosted - Alternatives to Goodbudget
Virtual envelope budgeting app with a free plan and budgets shared across a household's phones.
Free plan + paidWeb, iOS, Android - Alternatives to Wallet by BudgetBakers
Expense tracker and budget app with a free manual tier, worldwide bank sync and multi-currency support.
Free plan + paidiOS, Android, Web - Alternatives to Monarch Money
Subscription money app that links all your accounts for budgets, net worth, goals and partner sharing.
PaidWeb, iOS, Android - Alternatives to Lunch Money
Web-first budgeting and spending tracker with native multicurrency and pay-what-you-want pricing.
PaidWeb, iOS, Android - Alternatives to Quicken Simplifi
Quicken's bank-synced budgeting app with spending plans, savings goals and cash-flow projections.
PaidWeb, iOS, Android - Alternatives to Copilot Money
Apple-first finance app that auto-categorizes spending and adds an assistant that suggests budget changes.
PaidiOS, macOS, Web - Alternatives to PocketGuard
Bank-synced budget app built around one number: how much is left to spend after bills and goals.
PaidWeb, iOS, Android - Alternatives to Rocket Money
Bank-linked app that tracks subscriptions and spending, with cancellation and bill negotiation on top.
Free plan + paidiOS, Android, Web - Alternatives to Firefly III
Free, self-hosted personal finance manager with double-entry accounts, budgets and rules.
Open sourceWeb, Self-hosted - Alternatives to HomeBank
Free, open-source desktop software for tracking personal accounts, budgets and spending.
Open sourceWindows, Linux, macOS - Alternatives to Money Manager Ex
Free, open-source personal finance app for tracking accounts, spending, budgets and investments.
Open sourceWindows, macOS, Linux, Android, iOS - Alternatives to Skrooge
Free KDE desktop app for tracking personal income, spending and budgets.
Open sourceLinux, Windows, macOS - Alternatives to KMyMoney
Free, open-source personal finance manager from KDE using double-entry accounting.
Open sourceWindows, macOS, Linux
Our picks by need
Best for most people
YNABBest for a free option
Actual BudgetBest for open source
Money Manager ExBest for self-hosting
Actual BudgetBest for Mac
Copilot MoneyBest for Windows
HomeBankBest for Linux
SkroogeBest for iPhone and Android
EveryDollarCommon questions
What are the best budgeting apps?
Based on how often our research lists them as alternatives and visits from AppBreakup, the leading budgeting apps right now are YNAB, EveryDollar, Hunter Vault, Actual Budget and Goodbudget.
Are there free budgeting apps?
Yes. EveryDollar (free plan + paid), Hunter Vault (free plan + paid), Actual Budget (open source), Goodbudget (free plan + paid) and Wallet by BudgetBakers (free plan + paid) have a free option, out of 11 free or freemium apps we track.
Which budgeting apps are open source?
Actual Budget, Money Manager Ex and KMyMoney.