FREEDOM251

Freedom251 › Finance & Accounting

Free and open first

Best Personal Budgeting and Expense Tracking Apps in 2026

Track spending and arrange a budget with these personal budgeting and expense apps on a phone, computer, or browser. This list is for people comparing tools before paying.

  1. 1

    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
  2. 2

    ClearCheckbook

    by ClearCheckbook
    Free plan WebiPhoneAndroid

    ClearCheckbook offers a broad free set of budgeting and tracking tools, with paid options for bank syncing, mobile premium features, and advanced reporting.

    7.5 Free plan · paid from $2.49/mo Visit site
  3. 3

    Emma

    by Emma
    Free plan WebiPhoneAndroid

    Emma offers a free starting tier and paid plans with progressively more tracking, reporting, and account features.

    7.4 Free plan · paid from £4.99/mo · 7-day trial Visit site
  4. 4

    Fudget

    by Fudget
    Free plan WindowsMaciPhone+1
    7.4 Free plan · paid from $14.99/mo · 7-day trial Visit site
  5. 5

    Buddy

    by Buddy
    Free plan iPhoneMac

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

    7.3 Visit site
  6. 6

    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.

    7.3 Free plan · paid from $6.67/mo (annual) · 14-day trial Visit site
  7. 7

    Fast Budget

    by Fast Budget
    Free plan AndroidiPhoneWeb

    Fast Budget combines budgeting, bills, subscriptions, imports, and exports across mobile and web platforms.

    7.3 Free plan · paid from €19.99/yr Visit site
  8. 8

    Goodbudget

    by Goodbudget
    Free plan WebiPhoneAndroid

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

    7.2 Free plan · paid from $10/mo Visit site
  9. 9

    Honeydue

    by Honeydue
    Free plan iPhoneAndroid

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

    7.0 Free plan Visit site
  10. 10

    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
  11. 11

    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
  12. 12

    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
  13. 13

    Rocket Money

    by Rocket Money
    Free plan WebiPhoneAndroid
    6.9 Free plan · 7-day trial Visit site
  14. 14

    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
  15. 15

    Toshl Finance

    by Toshl Finance
    Free plan WebiPhoneAndroid

    Toshl Finance combines core personal-finance tracking with web and mobile access.

    6.8 Free plan · 30-day trial Visit site
  16. 16

    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
  17. 17

    Buckets

    Free trial AndroidiPhoneLinux+2

    Choose Buckets if you want personal budgeting tools across desktop and mobile, with local data control and a one-time license.

    6.6 From $64 Visit site
  18. 18

    Piere

    by Piere
    Free plan WebiPhoneAndroid
    6.2 Visit site
  19. 19

    Empower Personal Dashboard

    by empower
    Free plan
    6.1 Visit site
  20. 20

    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
  21. 21

    Copilot Money

    by Copilot Money
    Free trial iPhone

    Copilot Money groups core personal-finance tracking features in an iOS app, with account sync and report export.

    6.0 From $7.92/mo (annual) · 30-day trial Visit site
  22. 22

    Tiller Money

    by Tiller Money
    Free trial AndroidiPhoneMac+2

    Tiller Money keeps financial information inside familiar spreadsheets while adding automated categorization and summaries.

    5.9 From $99/yr · 30-day trial Visit site
  23. 23

    YNAB

    by YNAB
    Free trial AndroidAPIiPhone+1

    YNAB offers a broad budgeting workflow with bank imports, goals, reports, and debt planning across major platforms. The subscription cost and currency limitation matter most for prospective users.

    5.8 From $9.08/user/mo (annual) · 34-day trial Visit site
  24. 24

    Origin

    by Origin
    Paid AndroidiPhoneMac+1

    Origin combines financial education, coaching, planning, and AI assistance for employee benefits programs. Check regional account-connection limits and employer-specific features before selecting it.

    5.6 7-day trial Visit site
  25. 25

    Monarch Money

    by Monarch Money
    Paid WebiPhoneAndroid

    Monarch Money combines budgeting and financial tracking with account syncing and report export. Its Core and Plus plans let users choose between household money tools and broader planning features.

    5.5 7-day trial 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 deciding, compare available free plans or trials, paid pricing, supported platforms, and the licence terms governing code access or modification.

Questions

Which devices and systems are supported?

Across the entries, supported options include iOS, Android, web, macOS, Windows, and Linux. Check each app's listing for its supported platform.

Can I use a budgeting app without paying?

Some entries have a free plan. Others use freemium or paid pricing, so review the plan details for the app you are considering.

Are trial periods available for these apps?

Free trials are available for some entries. Check trial length, included features, and billing terms before starting one.

What does a freemium label mean here?

Freemium means the app has a free option alongside paid access. Check the app's terms to see what the free option covers.

More in Finance & Accounting