Best Personal Finance Software in 2026
Updated
In short: SoFi is ranked #1 of 181 as of 8 October 2026, ahead of PocketSmith and GnuCash. The best-ranked option with a free plan is PocketSmith. The lowest first paid tier on this page is MoneyPatrol at $1.67/mo.
Managing personal finances can involve routine budgeting, staying on top of bills or keeping a wider view of accounts and net worth. Compared on account sync, bill tracking, budgeting tools and net-worth tracking, these options also vary in mobile apps and report export. Free-plan availability and paid-from pricing give you further details to weigh. SoFi, PocketSmith and EveryDollar are among the named options. Consider which tasks matter most in your day-to-day money management, then check whether the listed account and reporting features suit that focus. Plan terms can help you compare costs with the features you want.
181 personal finance software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
25 of the 25 here have a free tier you can use, 0 have open-source code on record, and 0 have full bars: free, open, on most of your devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | SoFiWeb · Windows · Mac · Android · iPhone | Three bars | — | 5 of 6 | Free | 8.3 | |
| 2 | PocketSmithWeb · Windows · Mac · Linux · Android · iPhone · API | Three bars | — | 6 of 6 | $9.99/mo | 8.3 | |
| 3 | GnuCashWindows · Mac · Linux | Three bars | — | 3 of 6 | Free | 8.0 | |
| 4 | EveryDollarWeb · Android · iPhone | Three bars | — | 3 of 6 | $17.99/mo | 8.0 | |
| 5 | MoneyPatrolWindows · Mac · Linux | Three bars | — | 3 of 6 | $1.67/mo | 8.0 | |
| 6 | Money Manager ExWindows · Mac · Linux · Android · iPhone | Three bars | — | 5 of 6 | Free | 8.0 | |
| 7 | Rocket MoneyWeb · Android · iPhone | Three bars | — | 3 of 6 | Free | 7.9 | |
| 8 | ZaimWeb · Android · iPhone | Three bars | — | 3 of 6 | Free | 7.9 | |
| 9 | ClearCheckbookWeb · Android · iPhone | Three bars | — | 3 of 6 | $2.49/mo | 7.9 | |
| 10 | Actual BudgetWeb · Windows · Mac · Linux | Three bars | — | 4 of 6 | Free | 7.9 | |
| 11 | EmmaWeb · Android · iPhone | Three bars | — | 3 of 6 | £4.99/mo | 7.8 | |
| 12 | TalvoWeb · Android · iPhone | Three bars | — | 3 of 6 | €6/mo | 7.7 | |
| 13 | FireballWeb · Android · iPhone | Three bars | — | 3 of 6 | NZD 10.99/mo | 7.7 | |
| 14 | TimelyBillsAndroid · iPhone | Two bars | — | 2 of 6 | $2.08/mo | 7.7 | |
| 15 | WeMoneyWeb · Android · iPhone | Three bars | — | 3 of 6 | $9.99/mo | 7.7 | |
| 16 | dLedgerWeb · Windows · Mac · Linux | Three bars | — | 4 of 6 | Free | 7.7 | |
| 17 | FinlynqWeb · Android · iPhone | Three bars | — | 3 of 6 | Free | 7.6 | |
| 18 | KleraAndroid · iPhone | Two bars | — | 2 of 6 | ₹30/mo | 7.6 | |
| 19 | BluecoinsAndroid · iPhone | Two bars | — | 2 of 6 | Free | 7.5 | |
| 20 | HomeBankWindows · Mac · Linux | Three bars | — | 3 of 6 | Free | 7.5 | |
| 21 | Toshl FinanceWeb · Android · iPhone | Three bars | — | 3 of 6 | Free | 7.5 | |
| 22 | TrakliWeb · Android · iPhone | Three bars | — | 3 of 6 | $7.19/mo | 7.5 | |
| 23 | If I SavedWeb | Two bars | — | 1 of 6 | Free | 7.4 | |
| 24 | SecuroWeb | Two bars | — | 1 of 6 | Free | 7.4 | |
| 25 | Fina MoneyWeb | Two bars | — | 1 of 6 | Free | 7.4 |
Compare all 25 in a table
| # | App | Score | Free plan | From | Free plan | Paid from | Budgeting tools | Bill tracking |
|---|---|---|---|---|---|---|---|---|
| 1 | SoFi | 8.3 | Free plan | — | Yes | $10/mo | Yes | Yes |
| 2 | PocketSmith | 8.3 | Free plan | $9.99/mo | Yes | $9.99/mo | Yes | Yes |
| 3 | GnuCash | 8.0 | Free plan | Free | Yes | — | Yes | Yes |
| 4 | EveryDollar | 8.0 | Free plan | $17.99/mo | Yes | $6.67/mo | Yes | Yes |
| 5 | MoneyPatrol | 8.0 | Free plan | $1.67/mo | Yes | $3.99/mo | Yes | Yes |
| 6 | Money Manager Ex | 8.0 | Free plan | Free | Yes | — | Yes | Yes |
| 7 | Rocket Money | 7.9 | Free plan | Free | Yes | — | Yes | Yes |
| 8 | Zaim | 7.9 | Free plan | Free | Yes | — | Yes | Yes |
| 9 | ClearCheckbook | 7.9 | Free plan | $2.49/mo | Yes | $2.49/mo | Yes | Yes |
| 10 | Actual Budget | 7.9 | Free plan | Free | Yes | — | Yes | Yes |
| 11 | Emma | 7.8 | Free plan | £4.99/mo | Yes | — | Yes | Yes |
| 12 | Talvo | 7.7 | Free plan | €6/mo | Yes | — | Yes | — |
| 13 | Fireball | 7.7 | Free plan | NZD 10.99/mo | Yes | — | Yes | Yes |
| 14 | TimelyBills | 7.7 | Free plan | $2.08/mo | Yes | $0.99/mo | Yes | Yes |
| 15 | WeMoney | 7.7 | Free plan | $9.99/mo | Yes | — | Yes | Yes |
| 16 | dLedger | 7.7 | Free plan | Free | Yes | — | Yes | No |
| 17 | Finlynq | 7.6 | Free plan | Free | Yes | — | Yes | — |
| 18 | Klera | 7.6 | Free plan | ₹30/mo | Yes | — | Yes | Yes |
| 19 | Bluecoins | 7.5 | Free plan | Free | Yes | — | Yes | Yes |
| 20 | HomeBank | 7.5 | Free plan | Free | Yes | — | Yes | Yes |
| 21 | Toshl Finance | 7.5 | Free plan | Free | Yes | — | Yes | Yes |
| 22 | Trakli | 7.5 | Free plan | $7.19/mo | Yes | $7.19/mo | Yes | Yes |
| 23 | If I Saved | 7.4 | Free plan | Free | Yes | — | Yes | Yes |
| 24 | Securo | 7.4 | Free plan | Free | Yes | — | Yes | Yes |
| 25 | Fina Money | 7.4 | Free plan | Free | Yes | — | Yes | Yes |
Is your app on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which personal finance software is ranked first on Freedom251?
SoFi is ranked #1 of 181 with a score of 8.3. PocketSmith is second and GnuCash third.
How many of these have a free plan?
25 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, MoneyPatrol has the lowest first paid tier we found: $1.67/mo.
How is this list ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.