# BudgetingApps.org: compare the best budgeting apps

> Independent reviews and side-by-side comparisons of 64 budgeting apps: prices, features and honest verdicts.

**Editor's Pick: [EnvelopeBudget](https://budgetingapps.org/apps/envelopebudget.md).** Simple envelope budgeting without the bloat. EnvelopeBudget, our Editor’s Pick, has a financial interest in BudgetingApps.org.

## Apps

- [EnvelopeBudget](https://budgetingapps.org/apps/envelopebudget.md): Simple envelope budgeting without the bloat. rated 4.4/5; $4/mo; trial: 34-day free trial, no credit card required; Android/iOS/Web; bank sync; envelope, zero-based, expense tracking.
- [Actual Budget](https://budgetingapps.org/apps/actual-budget.md): Free, open-source, local-first envelope budgeting you host yourself. rated 4.3/5; Free; free plan; Desktop/Web; bank sync; envelope, zero-based.
- [YNAB](https://budgetingapps.org/apps/ynab.md): Zero-based budgeting with a structured method and broad device support. rated 4.3/5; $14.99/mo; trial: 34-day free trial, no credit card needed when signing up directly (6 weeks via a friend's referral link, per YNAB, rolling out Sept 2026); Android/iOS/Web; bank sync; envelope, zero-based.
- [Copilot Money](https://budgetingapps.org/apps/copilot.md): A beautifully designed money tracker for Apple users, now on the web too. rated 4.1/5; $13/mo; trial: 1-month free trial; Desktop/iOS/Web; bank sync; financial management, expense tracking.
- [Monarch Money](https://budgetingapps.org/apps/monarch.md): Subscription budgeting app that pulls accounts, spending, net worth and forecasts into one dashboard. rated 4.1/5; $14.99/mo; trial: 7 days; payment method required, per vendor pricing page; Android/iOS/Web; bank sync; expense tracking, financial management, forecasting, couples & families.
- [Purpose Budget](https://budgetingapps.org/apps/purpose-budget.md): Zero-based envelope budgeting on web, iOS and Android with optional bank sync. rated 4.1/5; $2.99/mo; trial: 60 days free for new customers, no credit card; Android/iOS/Web; bank sync; envelope, zero-based, forecasting, couples & families.
- [Budget with Buckets](https://budgetingapps.org/apps/budget-with-buckets.md): Private, pay-once envelope budgeting for your desktop. rated 4.0/5; No subscription; trial: Untimed free trial of the full app (trial sticker, a 'Buckets License' savings bucket, and occasional purchase reminders); Android/Desktop/iOS; bank sync; envelope.
- [GoodBudget](https://budgetingapps.org/apps/goodbudget.md): Envelope budgeting app for households, with synced budgets on web, iPhone and Android. rated 4.0/5; $10/mo; free plan; Android/iOS/Web; bank sync; envelope, couples & families.
- [Lunch Money](https://budgetingapps.org/apps/lunch-money.md): Flexible web-first budgeting, with multi-currency tracking and a useful developer API. rated 4.0/5; $10/mo; trial: 30-day trial; no credit card required to start; Web/iOS/Android; bank sync; envelope, zero-based, expense tracking, financial management.
- [EveryDollar](https://budgetingapps.org/apps/everydollar.md): Zero-based budgeting app from Ramsey Solutions with a free manual tier and paid bank sync. rated 3.9/5; $17.99/mo; free plan; trial: 14 days free for new Premium users; Android/iOS/Web; bank sync; zero-based, expense tracking.
- [Vondo](https://budgetingapps.org/apps/vondo.md): Manual-entry zero-based budgeting app built around a five-step monthly routine. rated 3.9/5; $1.99/mo; trial: 45 days free, no card per vendor website; store says free with in-app purchases; Android/iOS/Web; no bank sync; zero-based, envelope, expense tracking, couples & families.
- [Budgero](https://budgetingapps.org/apps/budgero.md): Private, open-source budgeting in the browser with end-to-end encryption. rated 3.8/5; $4/mo; trial: 35 days free, no credit card; Web; no bank sync; zero-based, expense tracking, couples & families, forecasting.
- [Kualia](https://budgetingapps.org/apps/kualia.md): Envelope budgeting with Plaid bank sync on web and iPhone. rated 3.8/5; $9.99/mo; trial: 7-day free trial; iOS/Web; bank sync; envelope, zero-based, expense tracking, forecasting, couples & families.
- [Rocket Money](https://budgetingapps.org/apps/rocket-money.md): Bill and subscription manager with spending tracking and basic category budgets. rated 3.8/5; Free; free plan; trial: 7-day Premium trial confirmed by vendor help center; Android/iOS/Web; bank sync; expense tracking, financial management.
- [Zero Sum](https://budgetingapps.org/apps/zero-sum.md): Zero-based budgeting web and iPhone app with tiered plans and optional bank sync. rated 3.8/5; $5.99/mo; trial: 1 month of Pro free on Pro Annual; payment method required; iOS/Web; bank sync; zero-based, expense tracking, forecasting, couples & families.
- [Budgetist](https://budgetingapps.org/apps/budgetist.md): Subscription budgeting web app with envelope-style planning, bank sync and multi-asset accounts. rated 3.7/5; $2.99/mo; trial: 42-day free trial of all features; Android/Web; bank sync; envelope, zero-based, expense tracking, forecasting.
- [Liquid Budget](https://budgetingapps.org/apps/liquid-budget.md): Web and mobile envelope budgeting with Plaid or SimpleFIN bank sync at $5/month. rated 3.7/5; $5/mo; trial: 45-day free trial, no credit card required; Android/iOS/Web; bank sync; envelope, zero-based, forecasting, expense tracking.
- [Spendee](https://budgetingapps.org/apps/spendee.md): Mobile budgeting with shared wallets and optional Premium bank syncing. rated 3.7/5; $1.99/mo; free plan; trial: Spendee's official pricing page advertises a 7-day free trial for paid features; payment and renewal terms were not verified; Web/iOS/Android; bank sync; expense tracking, financial management, couples & families.
- [Beacon Budget](https://budgetingapps.org/apps/beacon-budget.md): Bucket-based budgeting that auto-funds bills and shows a free-to-spend figure. rated 3.6/5; $4.99/mo; trial: 30 days free; then paid. Website lists Essentials and Premium tiers; Android/iOS/Web; bank sync; envelope, expense tracking, couples & families.
- [Koody](https://budgetingapps.org/apps/koody.md): Manual-first budgeting and cash-flow tools for households and sole proprietors. rated 3.6/5; $2.99/mo; free plan; trial: First month of Standard free, per Google Play listing; Android/iOS/Web; expense tracking, financial management.
- [NeoBudget](https://budgetingapps.org/apps/neobudget.md): Web-based envelope budgeting with visual envelope cards, shared plans and optional bank sync. rated 3.6/5; $5.95/mo; free plan; Web/iOS/Android; bank sync; envelope.
- [PocketGuard](https://budgetingapps.org/apps/pocketguard.md): Bank-linked budget app that shows how much is left to spend after bills and goals. rated 3.6/5; $12.99/mo; trial: 7-day free trial; Android/iOS/Web; bank sync; envelope, zero-based, expense tracking, forecasting.
- [Savern](https://budgetingapps.org/apps/savern.md): Manual safe-to-spend planner that reserves money for bills, debt and savings. rated 3.6/5; $5.99/mo; trial: 7-day free trial; Android/iOS; no bank sync; expense tracking, forecasting, financial management.
- [Allot](https://budgetingapps.org/apps/allot.md): iPhone zero-based budget app with a one-time unlock and no bank login. rated 3.5/5; Free; free plan; iOS; no bank sync; zero-based, expense tracking.
- [Honey Due](https://budgetingapps.org/apps/honey-due.md): Free iOS and Android app for couples to see bank balances, bills and spending together. rated 3.5/5; Free; free plan; Android/iOS; bank sync; expense tracking, couples & families.
- [Zero Budget](https://budgetingapps.org/apps/zero-budget.md): Zero-based budget with sinking funds, household sharing and optional Plaid bank sync. rated 3.5/5; $10/mo; free plan; trial: 14-day trial of Premium per website (card captured up front); App Store text says 30 days with no card; Android/iOS/Web; bank sync; zero-based, expense tracking, couples & families, forecasting.
- [Zero Budget Local](https://budgetingapps.org/apps/zero-budget-local.md): Offline zero-based budgeting with a $49 lifetime desktop license and an Android companion. rated 3.5/5; No subscription; one-time payment; trial: 35-day free trial; no card required; Android/Desktop; no bank sync; zero-based, expense tracking.
- [Curl Budget](https://budgetingapps.org/apps/curl-budget.md): Shared household budgeting with bank sync, rules and optional envelope-style budgets. rated 3.4/5; $5/mo; trial: 30-day free trial; Android/iOS/Web; bank sync; envelope, expense tracking, couples & families, forecasting.
- [Liquify: Box Budget](https://budgetingapps.org/apps/liquify-box-budget.md): Plan-first box budgeting app with account alerts and optional AI plan analysis. rated 3.4/5; $1.99/mo; free plan; trial: 30-day trial on Ultra; Android/iOS; bank sync; envelope, zero-based, couples & families.
- [Moneko Shared Expense Tracker](https://budgetingapps.org/apps/moneko-shared-expense-tracker.md): AI-assisted expense capture and envelope-style budgeting for individuals and households. rated 3.4/5; $12.99/mo; free plan; Android/iOS; bank sync; envelope, zero-based, expense tracking, couples & families, financial management.
- [ReadyCents](https://budgetingapps.org/apps/readycents.md): Manual-first envelope budgeting with optional bank sync and a free tier. rated 3.4/5; $3/mo; free plan; trial: Free tier has no time limit and needs no card; optional $5 one-time 60-day 'Access Pass' for connected features (no auto-renew); Web; bank sync; envelope, zero-based, expense tracking, forecasting, couples & families.
- [uRekoin](https://budgetingapps.org/apps/urekoin.md): Android payday-cycle budget with on-device payment-notification detection. rated 3.4/5; $2.49/mo; free plan; trial: 7-day free trial; Android; no bank sync; expense tracking, forecasting.
- [Fudget](https://budgetingapps.org/apps/fudget.md): Simple manual monthly budget planner for phone and desktop. rated 3.3/5; $4.99/mo; free plan; trial: 7-day free trial of Fudget Plus; Android/Desktop/iOS; no bank sync; expense tracking, couples & families.
- [Graphical-Budget-Planner (Github)](https://budgetingapps.org/apps/graphical-budget-planner.md): Free open-source desktop app that projects your cash balance from planned income and expenses. rated 3.3/5; Free; free plan; Desktop; no bank sync; forecasting.
- [Simplifi by Quicken](https://budgetingapps.org/apps/simplifi.md): Spending-plan budgeting app that pulls in accounts and shows what is left to spend after bills. rated 3.3/5; $47.88/yr; Android/iOS/Web; bank sync; expense tracking, forecasting, financial management.
- [Budget Friendly Budget](https://budgetingapps.org/apps/budget-friendly-budget.md): Free web-based zero-based budgeting for manual entry, installable on phones. rated 3.2/5; Free; free plan; Web; no bank sync; zero-based, expense tracking, forecasting, couples & families.
- [Budgetr](https://budgetingapps.org/apps/budgetr.md): Private personal-finance tracker for Mac, with a self-run web version. rated 3.2/5; No subscription; one-time purchase; trial: 14-day free trial, no card or account; Desktop/Web; bank sync; expense tracking, financial management.
- [CopiaCash](https://budgetingapps.org/apps/copiacash.md): Zero-based budgeting web app from a two-person team, with a free manual plan. rated 3.2/5; $4.99/mo; free plan; Web; bank sync; zero-based, expense tracking.
- [Real Budget](https://budgetingapps.org/apps/real-budget.md): Simple envelope budgeting on web, iOS and Android, free for manual use with paid sharing and bank sync. rated 3.2/5; Free; free plan; trial: 30-day free trial for first-time subscribers (App Store); site labels the paid tiers Free Trial; Android/iOS/Web; bank sync; envelope, couples & families.
- [Good Steward](https://budgetingapps.org/apps/good-steward.md): Free web budgeting app built around year-long planning, with optional paid bank sync priced by institution count. rated 3.1/5; $4/mo; free plan; trial: 30-day free trial, no credit card (paid plans); Web; bank sync; expense tracking, forecasting.
- [Opulence Analytics](https://budgetingapps.org/apps/opulence-analytics.md): Browser-based finance dashboard with budgeting, cash flow, net worth and tax planning. rated 3.1/5; $4/mo; free plan; trial: 14-day free trial of paid plans (no card for Free tier); Web; bank sync; expense tracking, forecasting, couples & families, financial management.
- [Orbit Money](https://budgetingapps.org/apps/orbit-money.md): Multi-currency finance tracker with budgets, bank feeds and cash-flow forecasts. rated 3.1/5; $60/yr; trial: 7-day free trial on paid plans; Android/Web; bank sync; expense tracking, financial management, forecasting.
- [OutBudget](https://budgetingapps.org/apps/outbudget.md): Five-year personal finance forecasting with multi-currency accounts. rated 3.1/5; $14.99/mo; trial: 45 days, no credit card required; afterwards the account becomes read-only unless a plan is chosen, with data exportable for 30 days; Web; no bank sync; forecasting, expense tracking, financial management.
- [SavePoint](https://budgetingapps.org/apps/savepoint.md): Offline desktop finance software with annual or envelope budgeting, net worth tracking and FIRE planning. rated 3.1/5; No subscription (one-time license); Desktop; no bank sync; expense tracking, financial management, forecasting.
- [Still Within](https://budgetingapps.org/apps/still-within.md): Offline iPhone budgets for trips and projects, private by design. rated 3.1/5; Free; free plan; iOS; no bank sync; envelope, expense tracking.
- [BuoyAI](https://budgetingapps.org/apps/buoyai.md): Count-up budgeting app that adds a daily allowance to each category, with AI tips. rated 3.0/5; $10/mo; trial: 30 days, no card required; Android/Web; bank sync; expense tracking, couples & families.
- [FreeBudget](https://budgetingapps.org/apps/freebudget.md): Free web budgeting with rollovers, recurring schedules, loan tracking and optional paid bank linking. rated 3.0/5; Free; free plan; Web; bank sync; expense tracking, financial management.
- [HomeBank](https://budgetingapps.org/apps/homebank.md): Local-first Apple-platform finance app with free envelopes and optional Premium. rated 3.0/5; $6.99/mo; free plan; trial: 30-day annual-plan trial (vendor-published; store launch pending); Desktop/iOS; bank sync; envelope, expense tracking, forecasting, couples & families.
- [MyBudgetCoach](https://budgetingapps.org/apps/mybudgetcoach.md): Zero-based budgeting app that pairs each user with a human budget coach. rated 2.9/5; $14.99/mo; trial: 7-day free trial on Basic and Premium, 35-day trial on the yearly Full Access plan; no card required per the vendor; Web/iOS/Android; bank sync; zero-based, expense tracking, couples & families.
- [Spend Space](https://budgetingapps.org/apps/spend-space.md): Web budgeting app with custom categories, keyword auto-categorizing, and optional bank sync. rated 2.9/5; $2.99/mo; trial: 3 months free; Web; bank sync; expense tracking, zero-based, forecasting, financial management.
- [Payday Buckets](https://budgetingapps.org/apps/payday-buckets.md): iPhone and iPad planner that shows what to move into each bucket every payday. rated 2.8/5; Free; free plan; trial: Free version limited to 5 active buckets; iOS; no bank sync; envelope, forecasting.
- [SimpleFinances](https://budgetingapps.org/apps/simplefinances.md): Web tool that audits spending and finds recurring charges, sold as a one-time review. rated 2.7/5; $7.99/mo; trial: Free audit of one statement (no card, no bank login); the $49.99 review includes 7 days of full Premium access, up to 3 review runs; Web; bank sync; expense tracking, financial management.
- [Allocated](https://budgetingapps.org/apps/allocated.md): One-time-purchase Mac app for envelope-style budgeting with data kept in a local file. rated 2.6/5; No subscription; one-time $59 ($39 for students and medical trainees, by emailed proof); trial: 30-day free trial from first launch, no credit card; Desktop; envelope, zero-based, expense tracking.
- [Dollar Wise](https://budgetingapps.org/apps/dollar-wise.md): Bank-synced 50/30/20 budget with a weekly swipe review and a safe-to-spend figure. rated 2.6/5; $14.99/mo; trial: 3-day free trial per the Google Play listing; the App Store text says free trial without a length; Android/iOS/Web; bank sync; expense tracking, financial management.
- [Family Budget Tracker](https://budgetingapps.org/apps/family-budget-tracker.md): Statement-upload budgeting with a 'safe to spend' figure and family sharing. rated 2.6/5; $4.99/mo; free plan; trial: 30-day free trial on Premium plans, no card needed for eligible accounts; Web/Android; no bank sync; expense tracking, couples & families, forecasting.
- [FloosYo](https://budgetingapps.org/apps/floosyo.md): iPhone app that logs expenses by voice or text and forecasts upcoming recurring spending. rated 2.6/5; $9.99/mo; trial: First week free with everything unlocked (vendor site and App Store listing); iOS; bank sync; expense tracking, forecasting, financial management.
- [Stowe](https://budgetingapps.org/apps/stowe.md): iPhone app that tracks household bills and spending and looks for ways to save. rated 2.6/5; $14.99/mo; trial: 7-day free trial; iOS; bank sync; expense tracking, couples & families, financial management.
- [SpendMind](https://budgetingapps.org/apps/spendmind.md): Voice-driven AI expense logger for iPhone and iPad with Apple Pay capture and charts. rated 2.5/5; $4.99/mo; free plan; trial: Free voice trial (length not stated); trial now follows the Apple ID; iOS; expense tracking.
- [Inzolo](https://budgetingapps.org/apps/inzolo.md): Zero-based web budgeting with an approval queue for imports and debt payoff planning. rated 2.4/5; $5/mo; trial: 30 days; card required; Web; bank sync; zero-based, envelope.
- [OneBudgetAI](https://budgetingapps.org/apps/onebudgetai.md): Web budgeting for individuals and couples with an AI coach and bank sync on paid tiers. rated 2.4/5; $7.99/mo; free plan; trial: One-time 7-day Pro trial from Billing after signup; Web; bank sync; expense tracking, financial management, couples & families.
- [Nomad Budget](https://budgetingapps.org/apps/nomad-budget.md): iPhone envelope-budgeting app built for holding accounts in many currencies. rated 2.3/5; $6.99/mo; trial: 35-day free trial with full access; per the Terms it does not auto-convert, and after it ends the data stays readable but editing needs a subscription; iOS; envelope, zero-based, expense tracking.
- [ZenExpenses](https://budgetingapps.org/apps/zenexpenses.md): Statement-upload expense tracker with category rules and monthly category budgets. rated 2.3/5; Free; free plan; Web; no bank sync; expense tracking, financial management.
- [Killer Budget](https://budgetingapps.org/apps/killer-budget.md): Free web app for zero-based budgeting with carry-over balances, goals and reports. rated 1.9/5; Free; free plan; Web; zero-based, envelope.
- [Kontu.io](https://budgetingapps.org/apps/kontu.md): Web-based monthly and project budget planner with shared budgets and multiple currencies. rated 1.8/5; Free; free plan; Web; financial management, forecasting, couples & families.

More: [all apps](https://budgetingapps.org/apps), [guides](https://budgetingapps.org/blog), [how we rank](https://budgetingapps.org/about), [everything in one file](https://budgetingapps.org/llms-full.txt).