Budgeting App Reviews
Honest, in-depth reviews of every major budgeting app. Updated August 2026.
EnvelopeBudget
Simple envelope budgeting without the bloat
$4/mo · $40/yr · $60 lifetime (limited to first 500)
YNAB
You Need A Budget — the gold standard for proactive budgeting
$14.99/mo · $109/yr
GoodBudget
Digital envelope budgeting for couples and families
$10/mo · $80/yr · Free tier
Monarch Money
The modern all-in-one financial dashboard
· $99.99/yr
EveryDollar
Dave Ramsey's zero-based budgeting app
$17.99/mo · $79.99/yr · Free tier
PocketGuard
See how much you have left to spend — instantly
$7.99/mo · $34.99/yr · Free tier
Simplifi by Quicken
Quicken's modern budgeting and spending tracker
· $47.88/yr
Copilot Money
A beautifully designed financial tracker for Apple users
$10.99/mo · $69.99/yr
Rocket Money
Cancel subscriptions and track spending automatically
$6–12/mo · $48–96/yr · Free tier
Actual Budget
Envelope budgeting for Envelope
Pika Pods - 1.50/m (plus bank sync software) · Free - Self Hosted · Free tier
Allocated
Envelope budgeting for Envelope
$59 one time payment ($39 for students/residents/interns) · $59 one time payment ($39 for students/residents/interns)
Allot
Envelope budgeting for Envelope
$49 One Time · $49 One Time
Aspire Budgeting
Envelope budgeting for Envelope
Donations Accepted · Donations Accepted · Free tier
Beacon Budget
Envelope budgeting for Envelope
$3.99/m and up · $39.99/y and up
Budgero
Envelope budgeting for Envelope
4.99 · 40.0
Budget Friendly Budget
Envelope budgeting for Envelope
Free · Free · Free tier
Budget with Buckets
Envelope budgeting for Envelope
- · 64 - Lifetime
Budgetist
Envelope budgeting for Envelope
- · Varying
Budgetr
Budgeting, tracking, and Financial Management
$3/m for mobile sync · 1 Time Payment: $29 Mobile Syc: $40/y
CopiaCash
Zero-based budgeting for General budgeting and receipt email forwarding w/ auto transaction match
4.99 · 59.88
Curl Budget
Envelope budgeting for Financial Management
$5/m · $50/y
Dollar Wise
Budgeting, tracking, and Unknown
Unknown · $99/y
Family Budget Tracker
Zero-based budgeting for Budget to Zero
Solo: Free Family: Free Premium Solo: $9.99/m Premium Family: 14.99/m · Premium Solo: $69.99/y Premium Family: $99.99/y · Free tier
Fiduciary
Budgeting, tracking, and Financial Management
--- · ---
FloosYo
Envelope budgeting for Envelope
$9/m · $99/y
FreeBudget
Envelope budgeting for Financial Management
- · -
Fudget
Budgeting for couples and partners
- · $19.99/y or $14.99/6m
Good Steward
Envelope budgeting for Envelope
Basic 4 Advanced 8 Premium 12 · Basic 40 Advanced 80 Premium 120
Graphical-Budget-Planner (Github)
Budgeting, tracking, and Budget Forecasting
- · -
HomeBank
Envelope budgeting for Financial Management
Premium: $6.99/m and Free Tier · Premium: $49.99/y · Free tier
Honey Due
Budgeting for couples and partners
- · -
Killer Budget
Envelope budgeting for Envelope
- · -
Kontu.io
Zero-based budgeting for Couples
Basic: Free Advanced: £1.99/m · Basic: Free Advanced: £21.9/y · Free tier
Koody
Envelope budgeting for Financial Management
Free: $0/m Standard: $2.99/m Plus: $4.99/m · Free: $0/y Standard: 32.49/y Plus: $53.99/y · Free tier
Kualia
Envelope budgeting for Envelope
9.99/m · 79.99/y
Liquid Budget
Envelope budgeting for Envelope
$5/m · $50/y (as of 2025)
Lunch Money
Envelope budgeting for Financial Management
$10.00/m · Pay what you want starting at $60/y
Moneko Shared Expense Tracker
Envelope budgeting for Envelope
6.99/m · $34.99/year $69.99/Lifetime
MyBudgetCoach
Envelope budgeting for Envelope
$4.99/m · $64.99/y
Nomad Budget
Envelope budgeting for Envelope
- · -
OneBudgetAI
Zero-based budgeting for Couples Budget
Pro: 7.99/m Premium 14.99/m · -
Opulence Analytics
Zero-based budgeting for Financial Management
4.99/m · Monthly Only
Orbit Money
Zero-based budgeting for Financial Management
$4.99/m · $49.99/y
OutBudget
Budgeting, tracking, and Forecasting
$14.99/m · $139.99/y
Pocketwatch
Zero-based budgeting for Financial Management
Manual: $3.50/m Basic: $4/m Unlimited: $8/m · Manual: $35/y Basic: $40/y Unlimited: $80/y
Purpose Budget
Envelope budgeting for Envelope
Essential: $2.99/m Premium: $8.99/m · Essential: $24.99/y Premium: $69/y
Real Budget
Envelope budgeting for Envelope
Varying, Free - $10 · - · Free tier
SavePoint
Envelope budgeting for Financial Management
July 2026 on sale $64.99 · $99.99/Lifetime
SimpleFinances
Envelope budgeting for Financial Management
$19.99/m · $100/y
Spend Space
Budgeting, tracking, and Financial Management
Manual: $2.99/m Import (US): $4.99/m Import (international): $3.99/m · Manual: $29.99/y Import (US): $49.99/y Import (international): $39.99/y
SpendMind
Envelope budgeting for Couples
$4.99/m · $49.99/y
Still Within
Envelope budgeting for Envelope
- · -
uRekoin
Envelope budgeting for Envelope
$3.25/m · Free: Ads Premium: $27/y · Free tier
Vondo
Envelope budgeting for Envelope
$3.99/m · $29.99/y
ZenExpenses
Envelope budgeting for Envelope
7.99/m · Monthly Only
Zero
Envelope budgeting for Envelope
$2.99/m · $29.99/y
Zero Budget Local
Envelope budgeting for Envelope
- · $49/Lifetime
Zero Sum
Envelope budgeting for Envelope
Basic: $4/m Pro: $9/m · Basic: $25/y Pro: $70/y
Liquify: Box Budget
Envelope budgeting for Partner/Family
6.99 · -
Savern
Budgeting, tracking, and Financial Management
5.99 · 49.99
BuoyAI
Zero-based budgeting for Partner/Family
10 · 100
ReadyCents
Envelope budgeting for Financial Management
6.99 per month · price varies on plan, lowest is 60 per year
Zero Budget
Envelope budgeting for Envelope
$5 /$10 - Basic/Premium · $48/$96- Basic/Premium
Payday Buckets
Envelope budgeting for Envelope
- · $12.99 one time payment
Stowe
Budgeting, tracking, and Financial Management
14.99 · 99.99