Best Free Budgeting Apps

4.8😊(13K ratings)

FreeIn-App Purchases

#59in Finance

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.

What We Love

💖 Beautiful, aesthetically pleasing design
👍 Easy to use and navigate
🎨 Highly customizable categories and icons
💰 One-time purchase, no subscription
🤝 Responsive and helpful customer service
🧠 Helps users stay organized and on top of finances
💻 Works well across devices (phone, iPad, etc.)

Room to Improve

🔒 No option to set password/biometric lock
💸 Premium features may be out of reach for some
📅 Lacks flexibility in date range/budgeting periods
🔢 Can't set spending limits per category
🗑️ Inability to delete/edit past transactions

EveryDollar: Budget Management by The Lampo Group Incorporated

Track Income, Bills & Spending

Strong Contender

4.7😐(84K ratings)

FreeIn-App Purchases

#12in Finance

EveryDollar: Budget Management screenshot 1

EveryDollar: Budget Management screenshot 2

EveryDollar: Budget Management screenshot 3

EveryDollar: Budget Management screenshot 4

EveryDollar: Budget Management screenshot 5

EveryDollar: Budget Management screenshot 6

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.

What We Love

👍 Useful budgeting tool
🚀 Helps with financial organization
💡 Customizable budgeting categories
👍 Easy to use and intuitive
🚀 Simplifies budgeting process

Room to Improve

💰 Expensive subscription
🐛 Connectivity issues with Canadian banks
🐛 Bugs and glitches
🔍 Lack of support and tutorials
🚫 Limited functionality in free version

Budget Bestie by Budget Bestie Corp.

easy envelope based budgeting

Worth Considering

Buddy: Budget Planner App

4.7😐(3.1K ratings)

FreeAdsIn-App Purchases

#48in Finance

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.

What We Love

💻 Customizable budgeting
📊 Helps track spending
🎨 Aesthetically pleasing design
🤝 Useful for couples/families
🧠 Helpful for those with ADHD

Room to Improve

💰 Subscription-based, not free
🔒 Lack of transparency about paid features
🕰️ Lengthy setup process before payment required
💸 Expensive subscription cost
🐛 Buggy and glitchy at times

More Free Budgeting Apps apps to explore

Bill Tracker & Money Manager

Create personal budgetsShared budgeting for couples/groupsConnect bank accounts for transaction import

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.

(9.5K)

Rocket Money - Bills & Budgets

Subscription & Expense Manager

Cancel forgotten subscriptionsNegotiate lower billsTrack monthly expenses

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.

(395K)

No-subscription budget tracker

Budgetly Easy

NerdWallet: Smart Money App

Track, Save & Invest

Track cash, investments, credit cards, loans, and propertyMonitor and cancel recurring bills and subscriptionsActionable financial insights on credit score and cash flow

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

(125K)

Budget app - spending tracker

Budget planner & money tracker

Budget PlannerSpending TrackerMoney Management

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.

(16K)

Never worry about money again

YNAB

Create and share unlimited spending plansAutomatically import transactionsManually add transactions

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.

Goodbudget Budget Planner

(62K)

subscription

Money & Expense Tracker

Virtual envelope budgetingShared budgetsExpense tracking

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.

Budget Planner App - Stash

(13K)

freemium

Expense Tracker & Bill Manager

Cash-stuffing budgetingVirtual envelopes for expensesSinking funds for goals

This app helps you budget using the cash-stuffing method without linking bank accounts. Create virtual envelopes for expenses and savings goals, and track your progress on a clear dashboard. It's designed for privacy and simplicity.

(2)

Monarch: Budget & Track Money

Spending, Net Worth, Investing

Connect all financial accountsAuto-categorize transactionsCustomizable dashboard

Consolidate all your financial accounts into a single, intuitive dashboard. Track spending, manage budgets, monitor investments, and collaborate with others to achieve your financial goals with actionable insights.

(113K)

Albert: Budgeting and Banking

Organize. Budget. Save.

Budgeting and expense trackingAutomatic savings and investing24/7 identity and account monitoring

Manage your finances with an all-in-one app for budgeting, saving, and investing. It offers 24/7 identity monitoring, high-yield savings accounts, and an AI financial assistant to help you organize your money.

Envo - Budget with envelopes

(336K)

subscription

The envelope method modernized

Budget, Debts, Impulse Control

Pocketed - Budget & Debt

KlarFort: Private Wealth OS

Net worth, runway & AI agent

Consolidated financial overviewNet worth trackingFinancial runway projection

Consolidate your entire financial life into one app. Track net worth, plan your financial runway, and monitor investments with AI assistance. Your data is private and never sold, with no advertisements.

Budget and Cash Flow Planner

Bento: Budget & Money Tracker

Finance, Subscriptions & AI

Customizable dashboardsAI assistant for financial insightsSubscription and recurring charge tracking

This personal finance app offers customizable dashboards and an AI assistant to help you track spending, manage budgets, and organize transactions. Securely connect your bank accounts to gain a comprehensive view of your finances and uncover spending trends.

(3)

freemium

Penny — Money & Budget

by NATALIA TOMSA

Gamified budgeting with a virtual dragonExpense logging with coin rewardsSubscription and bill tracking

This app gamifies budgeting with a virtual dragon companion that reacts to your spending habits. It offers tools for tracking expenses, subscriptions, and savings goals, with an optional Pro version for advanced analytics.

Island Budget: Expense Tracker

(2)

freemium

Bills, Goals & Receipt Scanner

Real-time budget trackingTransaction organizationReceipt scanning

Gain clarity on your finances with this app, which helps you track spending, organize transactions, and set savings goals. It offers features like receipt scanning and bill reminders to simplify personal finance management.

(3)