Instead of SoFi
SoFi alternatives
SoFi brings day-to-day banking, borrowing, investing, and financial guidance into one platform. Members can monitor balances, track bills and credit scores, connect external accounts, and use a budget planner alongside savings, investment, and retirement goals. SoFi Coach adds chat-based insights around the clock, and members can transfer money or open checking and savings accounts through chat. The service has a free plan, with paid plans from $10/mo, and runs on Android, iOS, macOS, web, and Windows.
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PocketSmith
by PocketSmithFree plan AndroidAPIiPhone+4Budgeting across desktop and mobile platforms — PocketSmith offers budgeting, bill and net-worth tracking, and reporting across more platforms, while SoFi adds banking, lending, investing, and chat guidance.
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EveryDollar
by EveryDollarFree plan WebiPhoneAndroidBudgeting on web and mobile — EveryDollar offers budgeting and tracking on web and mobile, while SoFi combines those functions with banking, investing, and financial guidance.
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Wallet by BudgetBakers
by Wallet by BudgetBakersFree plan AndroidiPhoneWebFree-plan budgeting across web and mobile — Wallet offers budgeting, bill and net-worth tracking, and report exports on web and mobile, while SoFi also provides banking and investing.
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Sure
Free plan AndroidAPIiPhone+3Tracking manually added assets and debts — Sure supports manual asset and debt tracking, including collectibles and personal loans, alongside linked accounts; SoFi centers a broader financial-services platform.
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MoneyPatrol
Free plan LinuxMacWindowsLow-cost budgeting with desktop platform support — MoneyPatrol offers a forever-free plan and paid service from $3.99/mo, while SoFi combines budgeting with banking, borrowing, and investing.
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Actual Budget
Free plan APILinuxMac+3Local-first envelope budgeting — Actual Budget focuses on envelope budgeting, local-first use, and custom reports, unlike SoFi’s integrated banking, lending, and investment services.
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Money Manager Ex
Free plan AndroidiPhoneLinux+2 - 9
Finlynq
Free plan AndroidAPIiPhone+2 - 10
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Buxfer
Free plan WebiPhoneAndroid - 15
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Securo
Free plan LinuxMacSelf-hosted+2 - 17
dLedger
Free plan LinuxMacWeb+1 - 18
Money Pro
Free plan AndroidiPhoneMac+1 - 19
BudgetPilot
Free plan LinuxMacSelf-hosted+2 - 20
Firefly III
Free plan APILinuxSelf-hosted+1 - 21
Budgero
Free plan AndroidAPIiPhone+5 - 22
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A different tool may be a better fit if you want a free option, a narrower budgeting focus, or platform support beyond SoFi’s range. PocketSmith starts paid service at $9.99/mo billed annually; MoneyPatrol starts at $3.99/mo, and several alternatives offer free plans. Compare the platforms you need and whether you want banking and investing alongside budgeting, or instead prioritize envelope budgeting, local-first use, or manual tracking of unusual assets. Account syncing, bill tracking, net-worth tracking, and report exports also vary across these choices.