Best Free Budget App Maker

220+ iOS apps curated and reviewed

4.6 avg rating
19 free apps
Updated July 2026

The best free budget app maker apps on iPhone average 4.6★ across 220+ titles — we've ranked them by what real users actually keep on their phones. Updated July 2026.

Top Picks for Free Budget App Maker

Goodbudget Budget Planner#1

Goodbudget Budget Planner by Dayspring Technologies, Inc.

Money & Expense Tracker
Editor's Choice
💰 Finance
4.6😊(13K ratings)
FreeAdsIn-App Purchases
#74in Finance
Goodbudget Budget Planner screenshot 1
Goodbudget Budget Planner screenshot 2
Goodbudget Budget Planner screenshot 3
Goodbudget Budget Planner screenshot 4
Goodbudget Budget Planner screenshot 5
Goodbudget Budget Planner screenshot 6

This app helps you manage your finances and plan your spending using a virtual envelope system. Track expenses, monitor debt, and gain insights with helpful reports. Share your budget with family or friends across multiple devices.

What We Love

  • 💻 Excellent app for tracking and managing finances
  • 🤝 Great for couples and families to manage budgets together
  • 📈 Helpful envelope system and budgeting tools
  • 🕰️ Ability to schedule recurring payments and income

Room to Improve

  • 🔍 Confusing or unintuitive interface for some users
  • 💰 Paid subscription seen as too expensive by some
  • 🐛 Occasional bugs, crashes, and syncing issues reported
Money Manager Expense & Budget#2

Money Manager Expense & Budget by Realbyte Inc.

20M+DN,Budget&Expense Tracker
Strong Contender
💰 Finance
4.8😊(18K ratings)
FreeAdsIn-App Purchases
Money Manager Expense & Budget screenshot 1
Money Manager Expense & Budget screenshot 2
Money Manager Expense & Budget screenshot 3
Money Manager Expense & Budget screenshot 4
Money Manager Expense & Budget screenshot 5
Money Manager Expense & Budget screenshot 6

This app simplifies personal finance management with easy data entry, graphical spending insights, and robust budgeting tools. It offers features like double-entry bookkeeping, PC management, and credit card tracking to help you stay on top of your finances.

What We Love

  • 👍 Easy to use
  • 📊 Helpful statistics and charts
  • 💰 Effective for managing finances
  • 🗓️ Convenient calendar view

Room to Improve

  • 🐛 Recurring transactions not working properly
  • 🔀 Difficulty changing main currency without losing data
  • 🔒 Lack of multi-user/device sync capability
Budget app - spending tracker#3

Budget app - spending tracker by Inner Grow Limited

Budget planner & money tracker
Worth Considering
💰 Finance
4.7😊(15K ratings)
FreeIn-App Purchases
#61in Finance
Budget app - spending tracker screenshot 1
Budget app - spending tracker screenshot 2
Budget app - spending tracker screenshot 3
Budget app - spending tracker screenshot 4
Budget app - spending tracker screenshot 5
Budget app - spending tracker screenshot 6

This personal finance app helps you track spending, plan budgets, and save money to achieve financial freedom. It offers features like AI-powered tracking, shared budgeting, and detailed stats to understand your financial habits.

What We Love

  • 👍 User-friendly interface
  • 🚀 Straightforward and intuitive
  • 💰 Affordable one-time purchase
  • 🎨 Customizable categories and colors

Room to Improve

  • 🐛 Recurring bills/payments not working as expected
  • 🔍 Lack of advanced reporting and analytics
  • 🤝 Sharing/collaboration features not reliable

More Free Budget App Maker apps to explore

4
Buddy: Budget Planner App
Buddy: Budget Planner App
Buddy: Budget Planner App
Money Manager & Tracker
Free

This app helps you create and manage personal or shared budgets. Track expenses, connect your bank account for automatic transaction import, and gain a clear overview of your spending, income, and savings. It also features tools to split costs and settle up with others.

Create personal budgetsShared budgeting for couples/groupsConnect bank accounts for transaction import
💰 Finance
(9.3K)
free with in-app purchases
5
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Rocket Money - Bills & Budgets
Subscription & Expense Manager
Free

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

Cancel forgotten subscriptionsNegotiate lower billsTrack monthly expenses
💰 Finance
(371K)
free with in-app purchases
6
Weekly: Budget Planner & Bills
Weekly: Budget Planner & Bills
Weekly: Budget Planner & Bills
Spending & Money Goal Tracker
Free

This app helps you plan your weekly budget, track your spending, and save for financial goals. It connects to your bank accounts to monitor transactions, categorizes your expenses, and provides insights into your spending habits. It also helps you manage upcoming bills and view account balances in one place.

Guided budget setupWeekly spending limit calculationBank transaction download
💰 Finance
(3.6K)
free with in-app purchases
7
EveryDollar: Budget Management
EveryDollar: Budget Management
EveryDollar: Budget Management
Track Income, Bills & Spending
Free

This app helps you create custom budgets, track expenses, and manage your money effectively. It aims to reveal hidden savings and empower you to pay off debt, build wealth, and achieve your financial goals.

Create custom budgetsTrack expenses and transactionsManage bills and income
💰 Finance
(84K)
free with in-app purchases
8
Daily Budget Original
Daily Budget Original
Daily Budget Original
Saving is fun!
Free

This app simplifies personal finance by calculating your daily spending allowance based on income, expenses, and savings goals. It makes saving money feel like a fun game without connecting to bank accounts, prioritizing user privacy.

Daily budget calculationSavings goal planningExpense categorization
💰 Finance
(4.8K)
freemium
9
Budget Planner App - Fleur
Budget Planner App - Fleur
Budget Planner App - Fleur
Bill Organizer & Money Tracker
Free

This app helps you manage your finances with a simple and elegant interface. Easily track daily expenses and income, set monthly budgets, and monitor your spending habits. It offers features like transaction history, repeating transactions, and category management.

Log expenses and incomeSet monthly budgetsTrack spending habits
💰 Finance
(12K)
free with in-app purchases
10
TripIt: Travel Planner
TripIt: Travel Planner
TripIt: Travel Planner
Trip Itinerary & Alerts
Free

Organize all your travel plans in one place. Automatically create a comprehensive itinerary from booking confirmations and access reservation details, maps, and directions even offline. Upgrade for real-time flight alerts, fare refund notifications, and loyalty program tracking.

Automatic itinerary creation from bookingsOffline access to reservation detailsFlight status alerts
✈️ Travel
(304K)
freemium
11
Dollarwise: Budget & Tracking
Dollarwise: Budget & Tracking
Dollarwise: Budget & Tracking
by Hammer Media LLC
Free

Effortlessly manage your finances with automatic account syncing and AI-powered insights. See your available spending money at a glance, track bills, debt, and savings, and gain actionable advice to improve your financial habits without complex charts.

Automatic account syncingReal-time spending overviewAI-enhanced financial suggestions
💰 Finance
(3.7K)
free with in-app purchases
12
Budget Bestie
Budget Bestie
Budget Bestie
easy envelope based budgeting
Free

This app helps you manage your money using the cash stuffing method, digitally. It guides you through creating expense envelopes, allocating funds, and tracking spending to meet savings goals. Get reminders for bills and budget according to your pay schedule.

Digital cash stuffing methodCustomizable expense envelopesAutomated spending tracking
💰 Finance
(3K)
free with in-app purchases
13
Bill Organizer
Bill Organizer
Bill Organizer
bills pay reminder & tracker
Free

Manage and forecast your monthly bills with reminders and payment scheduling. Track expenses by category, view graphical reports, and get notified of upcoming due dates. Share bills with members and protect your financial data with a passcode.

Bill reminders and payment schedulingExpense categorizationGraphical budget reports
💰 Finance
(4.9K)
subscription
14
Monefy: Money Tracker
Monefy: Money Tracker
Monefy: Money Tracker
Track Income & Expenses
Free

Easily track your income and expenses with quick, one-click transaction entries. Synchronize your financial data across multiple devices and manage your spending with intuitive charts and customizable categories.

One-click transaction entryCross-device synchronizationSpending distribution charts
💰 Finance
(6.6K)
free with in-app purchases
15
YNAB
YNAB
YNAB
Never worry about money again
Free

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

Create and share unlimited spending plansAutomatically import transactionsManually add transactions
💰 Finance
(61K)
subscription
16
The Knot Wedding Planner
The Knot Wedding Planner
The Knot Wedding Planner
Planning, Registry, Countdown
Free

This app helps you plan your entire wedding from start to finish. It offers tools for creating a countdown, managing checklists, finding vendors, building a wedding website, tracking guests, and setting up a registry. You can also manage your budget and get personalized style inspiration.

Wedding CountdownCustomizable ChecklistVendor Marketplace
🌟 Lifestyle
(217K)
free with in-app purchases
17
Pennies: Budget & Bill Tracker
Pennies: Budget & Bill Tracker
Pennies: Budget & Bill Tracker
Expense organizer and manager
Free
$4.99 | 100% OFF

This app helps you track spending and save money by clearly showing how much you have available to spend daily. It offers flexible budgeting options and syncs across your Apple devices.

Know how much to spend dailyHelps you save moneyPersonalized weekly, monthly, and custom budgets
💰 Finance
(1.8K)
free with in-app purchases
18
The Christmas List
The Christmas List
The Christmas List
Easy Budget and Gift Tracking
$2.99

Organize your holiday gift lists and budgets with this intuitive app. Track purchases, manage spending, and simplify your shopping experience. Spend less time on logistics and more time enjoying the holidays.

Gift progress tracking (to do, purchased, shipping, received, wrapped)Personalized or overall budgetingAdd gifts by typing or dictating
🛍️ Shopping
(5K)
free
19
Budget Planner App - Zero
Budget Planner App - Zero
Budget Planner App - Zero
Budget & Spending Tracker
Free

Organize your finances with an AI-powered budgeting tool. Easily track expenses and income using voice input, create budgets, and monitor savings and debt. Gain insights into spending habits with clear charts and history.

AI-powered expense categorizationVoice input for transactionsMonthly budget creation
💰 Finance
(177)
free with in-app purchases
20
Emma - Budget Planner Tracker
Emma - Budget Planner Tracker
Emma - Budget Planner Tracker
Spending, Bills, Money Saving
Free

Consolidate all your financial accounts in one place to track spending, manage subscriptions, and set budgets. Receive weekly reports, daily balance notifications, and overdraft alerts. Offers bank-level security with SSL encryption and biometric authentication.

Consolidate all accountsTrack subscriptionsSet budgets
💰 Finance
(1.4K)
free with in-app purchases