Best M1 Alternatives in 2026
Updated
20 apps from personal finance software ranked against M1 on the same published basis.
- 1M1 vs SoFi
- 2M1 vs PocketSmith
- 3M1 vs GnuCash
- 4M1 vs EveryDollar
- 5M1 vs Wallet by BudgetBakers
- 6M1 vs Sure
- 7M1 vs MoneyPatrol
- 8M1 vs Actual Budget
- 9M1 vs Money Manager Ex
- 10M1 vs Rocket Money
- 11M1 vs Zaim
- 12M1 vs ClearCheckbook
- 13M1 vs Emma
- 14M1 vs Talvo
- 15M1 vs Budgero
- 16M1 vs Fireball
- 17M1 vs TimelyBills
- 18M1 vs WeMoney
- 19M1 vs Finlynq
- 20M1 vs Frollo App
M1 alternatives compared
| # | App | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | SoFi | 8.3 | Free plan | Android, iOS, Mac, Web, Windows | |
| 2 | PocketSmith | 8.3 | Free plan | $9.99/mo | Android, API, iOS, Linux, Mac, Web, Windows |
| 3 | GnuCash | 8.0 | Free plan | Free | Linux, Mac, Windows |
| 4 | EveryDollar | 8.0 | Free plan | $17.99/mo | Web, iOS, Android |
| 5 | Wallet by BudgetBakers | 8.0 | Free plan | Free | Android, iOS, Web |
| 6 | Sure | 8.0 | Free plan | Free | Android, API, iOS, Mac, self-hosted, Web |
| 7 | MoneyPatrol | 8.0 | Free plan | $1.67/mo | Linux, Mac, Windows |
| 8 | Actual Budget | 8.0 | Free plan | Free | API, Linux, Mac, self-hosted, Web, Windows |
| 9 | Money Manager Ex | 8.0 | Free plan | Free | Android, iOS, Linux, Mac, Windows |
| 10 | Rocket Money | 7.9 | Free plan | Free | Web, iOS, Android |
| 11 | Zaim | 7.9 | Free plan | Free | Web, iOS, Android |
| 12 | ClearCheckbook | 7.9 | Free plan | $2.49/mo | Web, iOS, Android |
| 13 | Emma | 7.8 | Free plan | £4.99/mo | Web, iOS, Android |
| 14 | Talvo | 7.8 | Free plan | €5/mo | Android, iOS, Web |
| 15 | Budgero | 7.8 | Free plan | $2.92/mo | Android, API, iOS, Linux, Mac, self-hosted, Web, Windows |
| 16 | Fireball | 7.7 | Free plan | NZD 10.99/mo | Web, iOS, Android |
| 17 | TimelyBills | 7.7 | Free plan | $2.08/mo | iOS, Android |
| 18 | WeMoney | 7.7 | Free plan | $9.99/mo | Web, iOS, Android |
| 19 | Finlynq | 7.7 | Free plan | Free | Android, API, iOS, self-hosted, Web |
| 20 | Frollo App | 7.7 | Free plan | Free | Android, iOS, Web |
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Questions about M1 alternatives
What is the best alternative to M1?
SoFi, number 1 in personal finance software with a score of 8.3 out of 10. The others here: PocketSmith, GnuCash, EveryDollar and 16 more.
What is the best free alternative to M1?
SoFi is the best-ranked alternative with a free plan. 20 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.