Sleek iOS-only budgeting app with auto-categorization and predictive insights, but Android users are out of luck.
Pricing:
Subscription
Subscription starts at $7.99/month or $69.99/year after a 30-day free trial
Ios
Digital envelope budgeting with real-time tracking and debt tools. Web-only, iOS/Android apps coming. 92-day trial, then $4/mo or $40/yr.
Pricing:
Freemium
Includes a 92-day free trial to test your budgeting chops. Post-trial, it’s $4/month or $40/year for premium features.
Web
Ios
Android
Windows
Mac
Linux
YNAB enforces zero-based budgeting, syncing bank accounts and pushing intentional spending with a steep learning curve.
Pricing:
Subscription
34-day free trial; then $15/month or $109/year. Free for college students for one year.
Web
Ios
Android
Windows
Mac
Linux
Open-source, self-hosted budgeting app with envelope-style tracking and no corporate snooping.
Pricing:
Free
Free and open-source; optional donations for development support.
Web
Windows
Mac
Linux
Private, envelope-style budgeting app with a one-time $64 fee. Keeps data local, supports manual tracking, with optional bank sync.
Pricing:
Paid
One-time purchase of $64 for a lifetime license, usable on all household devices. Optional SimpleFIN bank sync costs $15/year.
Windows
Mac
Linux
Android
Free financial dashboard for tracking net worth, investments, and cash flow with a slick interface, though syncing can be spotty.
Pricing:
Freemium
Free for dashboard and tools; advisory services start at 0.89% AUM for the first $1M, dropping to 0.49% above $10M.
Web
Ios
Android
Windows
Mac
Linux
Dave Ramsey’s zero-based budgeting app for tracking every dollar. Simple, clean, with bank sync and insights for Premium users.
Pricing:
Freemium
Free version for basic budgeting; Premium (via Ramsey+) costs $129.99/year or $17.99/month for bank sync, group coaching, and more.
Web
Ios
Android
Windows
Mac
Linux
Finwise offers real-time expense tracking and budgeting with a sleek, minimalist interface that keeps your finances in check.
Pricing:
Freemium
Free tier includes basic budgeting; premium unlocks advanced analytics, ad-free experience, and priority support.
Web
Ios
Android
Windows
Mac
Linux
Free, open-source accounting for personal and small business use with double-entry bookkeeping and robust reporting.
Pricing:
Free
Completely free, open-source, and no hidden costs—unless you count the time spent learning its quirks.
Windows
Mac
Linux
Virtual envelope budgeting app for shared finances, with syncing and a free tier. Premium unlocks more envelopes and debt tracking.
Pricing:
Freemium
Free tier includes 10 envelopes and 1 account. Premium subscription costs $8/month or $70/year for unlimited envelopes, multiple accounts, and debt tracking.
Web
Ios
Android
Windows
Mac
Linux
A couples-focused budgeting app that syncs bank accounts, tracks spending, and splits bills with a side of in-app purchase nudging.
Pricing:
Freemium
Free to use with basic features; premium features like custom categories and advanced analytics require in-app purchases, but exact prices are as elusive as a clear answer on who pays for date night.
Ios
Android
Mint was a free budgeting app for tracking spending and budgets, but Intuit killed it in 2024. RIP.
Pricing:
Free
Was free before Intuit pulled the plug. Now it costs you nothing but your tears.
Web
Ios
Android
Windows
Mac
Linux