Local-only Mac app for net worth, spending, investments and options tracking
- Expense tracking
- Financial management
FreeBudget
Free web budgeting with net worth tracking and optional paid bank linking
Research-based review, not hands-on testing. Last researched .
Overview
FreeBudget is a web-based (installable PWA) budgeting tool where you set category budgets, track spending and follow net worth. Core use is free, including manual entry and CSV import; linking banks through Plaid costs a small monthly fee per account. The developer says optional premium features may come later.
Best for: Cost-conscious users who want category budgets and net worth in a simple free web app
Pros and cons
Pros
- Core budgeting, manual entry and CSV import are free with no card required
- Bank sync via Plaid is optional, with fees stated up front
- Net worth tracking, income vs expense charts and category breakdowns are included
- Exports and imports via CSV, plus dark mode and installable PWA
- States it has no ads and does not sell data; data encrypted in transit (TLS) and at rest (AES-256)
Cons
- No native iOS or Android app; mobile use is via PWA only
- Bank sync costs extra, and the site says premium features are planned later
- Category limits only; no envelope or zero-based workflow confirmed on vendor pages
- No pricing page (404) so future paid plans are undefined
- No independent reviews found beyond testimonials on its own site
Features
- Envelope budgeting not confirmed not confirmed
- Automatic bank sync included
- Manual transaction entry included
- Goal tracking not confirmed not confirmed
- Debt payoff tools not confirmed not confirmed
- Investment tracking not confirmed not confirmed
- Bill reminders not confirmed not confirmed
- Reports & charts included
- Multi-currency not confirmed not confirmed
- Shared / household budgets not confirmed not confirmed
- Separate logins for shared budgets not confirmed not confirmed
Custom categories, auto-categorisation, batch editing, budget tracking, net worth, income/expense charts (incl. Sankey per testimonial), CSV import/export, dark mode, PWA
Our review
Short version
FreeBudget is a web-based (installable PWA) budgeting tool where you set category budgets, track spending and follow net worth. Core use is free, including manual entry and CSV import; linking banks through Plaid costs a small monthly fee per account. The developer says optional premium features may come later.
Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.
Cost
- Free core app; bank linking $0.99/mo for first 2 accounts, $0.50/mo per additional account
- No annual plan listed
Not confirmed
founded year; envelope budgeting; shared budgets; investment tracking; debt payoff; goals; bill reminders; multi-currency; last update date; multiple budgets.
Notes
/pricing returns 404.
Ratings are set separately against a shared rubric.
FreeBudget alternatives
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