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Independent budgeting app comparisons

Find the budgeting app that actually fits how you spend.

Prices, features and honest verdicts for 64 popular apps, side by side, with no fluff.

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Editor’s Pick

EnvelopeBudget

Simple envelope budgeting without the bloat. People who want hosted envelope budgeting with optional manual entry or bank sync through SimpleFIN or Plaid, plus debt-payoff planning and shared budgets.

Try EnvelopeBudget free Read the full review

EnvelopeBudget, our Editor’s Pick, has a financial interest in BudgetingApps.org. Details

  • FeaturesTrue envelopes, bank sync, sharing, reports.
  • PriceFrom $4/mo, with a lifetime option. 34-day free trial, no credit card required
  • LongevityServing budgeters since 2009.

Start with your method

Which budgeting style are you?

Featured & popular

More top budgeting apps

Free, open-source, local-first envelope budgeting you host yourself

  • Envelope
  • Zero-based
FromFree

YNAB

Zero-based budgeting with a structured method and broad device support

  • Envelope
  • Zero-based
From$14.99/mo

A beautifully designed money tracker for Apple users, now on the web too

  • Financial management
  • Expense tracking
From$13/mo

Subscription budgeting app that pulls accounts, spending, net worth and forecasts into one dashboard.

  • Expense tracking
  • Financial management
  • Forecasting
From$14.99/mo

Zero-based envelope budgeting on web, iOS and Android with optional bank sync.

  • Envelope
  • Zero-based
  • Forecasting
From$2.99/mo

Private, pay-once envelope budgeting for your desktop

  • Envelope
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Frequently asked questions

What is the best budgeting app?

It depends on your method. For true envelope budgeting at a fair price, EnvelopeBudget is our Editor’s Pick. Compare the rest side by side.

Is there a free budgeting app?

Yes. Actual Budget is free and open source, and several others offer limited free plans. Filter by price on the All apps page.

What is envelope budgeting?

You divide income into category “envelopes” and only spend what is in each one. It is one of the oldest and most effective methods.

How does BudgetingApps.org make money?

Through affiliate links and paid listings. Paid placements are always labelled, and the Editor’s Pick is never for sale. EnvelopeBudget, our Editor’s Pick, has a financial interest in BudgetingApps.org.