No. 86of 181 ·Personal Finance Software

Budget3

Web

Freedom report

Two barsScore 6.7

Free tierA free tier is on its own pricing page
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Budget3 is ranked #86 of 181 in personal finance software on Freedom251, made by Budget3 (Québec, Canada). It runs on Web. There is a free plan.

Budget3 plans and pricing

All plans

Free Free All features · No credit card required · No bank connection budget3.ca · 12 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Net-worth tracking: Yes
Account sync: manual

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The record

Purpose: Budget3 calculates how much to reserve for future commitments and shows what remains available.
Budget method: It applies the “pay yourself first” method by reserving money for commitments before it is spent.
Projections: It provides budget projections over a 3 to 36 month horizon, including planned changes.
Suggested transfers: It calculates suggested transfers for each occurrence and account, which users schedule at their bank.
Financial goals: Users can set a goal amount and date, and Budget3 calculates how much to reserve per paycheque.
Net worth: It provides a dated snapshot of assets, liabilities and net worth.
Multiple budgets: Users can duplicate and edit multiple budgets, including personal and couple budgets.
Bank connection: Budget3 does not connect to bank accounts; users provide their financial information themselves.
Account setup: Budget3 works with one bank account, while additional accounts are optional.
Not a spending tracker: Budget3 says it is not intended to report individual past purchases, but to show what users can afford.
Languages: The app is available in French and English and is described as mobile first.
Privacy and security: The privacy policy says data is transmitted over HTTPS and that Budget3 does not collect bank credentials or real bank transactions.
Privacy rights: The privacy policy says users can access, correct, delete or request portability of their data, with a response within 30 days.
Support: The maker says it responds to email inquiries within 24 hours.
Price from: Free

Where it ranks on Freedom251

Best Personal Finance Software in 2026#86 of 181

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Sources

budget3.ca/en· checked 12 Oct 2026
budget3.ca/politique-de-confidentialite· checked 12 Oct 2026