Free and open first

Best Budgeting And Expense Tracking in 2026

Software in this category lets you plan outlays, log transactions, and examine household or personal finances. This list is for people choosing software on a budget.

29 apps
Research read 10 Oct 2026
How the order is worked out

1

Expensify

Free plan Open source AndroidAPIiPhone+3

Expensify brings expense management, travel booking, and related spend tools into one product, with a free Submit plan and integrations across business systems.

9.2 Free plan · paid from $5/mo · 30-day trial Visit site
2

Actual Budget

Free plan APILinuxMac+3

Actual Budget pairs envelope budgeting with bill tracking, net-worth tracking and report export at no listed cost.

7.7 Free plan Visit site
3

budgetzero

Free plan MacSelf-hostedWeb+1

BudgetZero offers a no-cost envelope budgeting system with broad deployment options and local browser storage.

7.6 Free plan Visit site
4

EveryDollar
by EveryDollar
Free plan WebiPhoneAndroid

EveryDollar offers a free option for manual monthly budgeting and a Premium tier with imports and expanded planning tools.

7.5 Free plan · paid from $6.67/mo (annual) · 14-day trial Visit site
5

Firefly III

Free plan APILinuxSelf-hosted+1

Firefly III brings budgeting, transaction management, importing, and reporting into a free self-hosted finance manager.

7.5 Free plan Visit site
6

Fudget
by Fudget
Free plan WindowsMaciPhone+1

7.5 Free plan · paid from $14.99/mo · 7-day trial Visit site
7

Buddy
by Buddy
Free plan iPhoneMac

Buddy brings budgeting, transaction tracking, shared finances, account connections, and net-worth views together.

7.4 Visit site
8

Havoro

Free plan LinuxSelf-hostedWeb+1

Havoro focuses on local personal-finance management using bank exports rather than connected accounts.

7.4 Free plan Visit site
9

Goodbudget
by Goodbudget
Free plan WebiPhoneAndroid

Goodbudget combines envelope budgeting, bill tracking, synchronization, and report export across web and mobile platforms.

7.3 Free plan · paid from $10/mo Visit site
10

HomeBank
by HomeBank
Free plan LinuxMacWindows

HomeBank combines broad file import support with budgeting, transaction automation, reports, and forecasts at no cost.

7.3 Free plan Visit site
11

Hurdlr
by Hurdlr
Free plan AndroidiPhoneWeb

Hurdlr covers core tracking in its free plan, with automatic mileage and expanded accounting in paid plans. Check the direct-integration gaps and Pro tax-filing eligibility against your situation.

7.2 Free plan · paid from $8.34/user/mo (annual) Visit site
12

Honeydue
by Honeydue
Free plan iPhoneAndroid

Honeydue groups budgeting, bill tracking, and net-worth tracking in free iOS and Android apps.

7.1 Free plan Visit site
13

PocketSmith
by PocketSmith
Free plan AndroidAPIiPhone+4

PocketSmith combines budgeting, reporting, bank feeds, and long-range forecasting, with a free tier for lighter use.

7.1 Free plan · paid from $9.99/mo (annual) Visit site
14

Monefy
by Monefy
Free plan iPhoneAndroid

Monefy provides core financial tracking on both major mobile platforms, including a free plan. Manual synchronization and Premium-only extras are the main considerations.

7.0 Free plan Visit site
15

PocketGuard
by PocketGuard
Free plan WebiPhoneAndroid

PocketGuard combines core personal-finance tracking with web and mobile access, a free plan, and several paid billing choices. Readers can choose annual, monthly, or one-time payment arrangements.

7.0 Free plan · paid from $6.25/mo (annual) · 7-day trial Visit site
16

Money Manager
by Money Manager
Free plan AndroidiPhone

Money Manager offers broad personal-finance tools with a free tier and extensive backup documentation.

6.9 Free plan Visit site
17

Pledger.io

Free plan AndroidAPISelf-hosted+2

Pledger.io combines detailed personal-finance tracking with self-hosted data control. Its manual synchronization and Android sign-in limits matter when choosing an everyday setup.

6.9 Open source Visit site
18

Rocket Money
by Rocket Money
Free plan WebiPhoneAndroid

6.9 Free plan · 7-day trial Visit site
19

Spendee
by Spendee
Free plan WebiPhoneAndroid

Spendee offers a free starting tier and progressively broader wallet, budget, and synchronization features. Select the plan based on capacity, shared-wallet needs, and bank connection requirements.

6.9 Free plan · paid from $1.99/mo · 7-day trial Visit site
20

Zoho Expense

Free plan AndroidAPIExtension+3

Zoho Expense covers expense reporting, approvals, and spend management, with card and travel features on higher plans. Check plan scan limits and user minimums before choosing a paid tier.

6.9 Free plan · paid from $3/user/mo (annual) · 14-day trial Visit site
21

Treeline

Free plan LinuxMacWindows

Treeline offers a local, extensible finance workspace with broad transaction tools and multiple query options.

6.8 Free plan Visit site
22

Trout
by Trout
Free plan APISelf-hostedWeb

Trout offers a broad budgeting ledger with free manual tools, paid hosted features, and self-hosting.

6.8 Free plan · paid from €7/mo · 30-day trial Visit site
23

Wallet by BudgetBakers
by Wallet by BudgetBakers
Free plan AndroidiPhoneWeb

Wallet combines budgeting, account syncing, imports, and reporting across mobile and web, with a free plan for basic tracking.

6.8 Free plan Visit site
24

Lunch Money
by Lunch Money
Free trial WebiPhoneAndroid

Lunch Money brings core personal-finance tracking and account synchronization together across web and mobile. The lack of a free plan and the listed annual starting price matter when evaluating it.

6.1 From $60/yr · 30-day trial Visit site
25

Spending Tracker – Spentum

Free plan AndroidiPhoneWeb

5.8 Free plan Visit site

#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price

Before selecting, review the plan and trial terms, licence access, supported systems, and functions including bank connections, receipt capture, repeating entries, shared budgets, currency handling, and investment records.

Questions

Can I find a free budgeting tool?

Yes. Actual Budget, budgetzero, Firefly III, and Havoro are marked as having free plans.

Is a free trial available?

Check each entry for trial availability. Expensify shows a 30-day trial, a free plan, and subscriptions beginning at $5 per month.

Which platforms are covered?

Entries list iOS, web, Android, Windows, macOS, and API access. Check the individual tool for the platform you need.

Can I use open-source budgeting software?

Check each listed tool to see whether its code is open source. Review the licence before reading, changing, or sharing code.

What features should I compare?

Look at free-plan contents, starting paid prices, bank connections, receipt capture, repeating transactions, shared budgets, multiple currencies, investment tracking, and mobile apps.

Questions

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