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Best Free Budgeting Spreadsheet Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated September 2026

Finding the right free budgeting spreadsheet apps can be overwhelming with so many options. We've analyzed 250+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Free Budgeting Spreadsheet Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Google SheetsGoogle SheetsFree4.8★ (1.8M)NoNoSep 2026
2Goodbudget Budget PlannerGoodbudget Budget PlannerFree4.6★ (13K)NoYesSep 2026
3Budget app - spending trackerBudget app - spending trackerFree4.7★ (16K)NoYesSep 2026
4Fleur - Budget Planner AppFleur - Budget Planner AppFree4.8★ (12K)NoYesSep 2026
5Numbers: Make SpreadsheetsNumbers: Make SpreadsheetsFree4.6★ (215K)NoYesSep 2026
6Microsoft ExcelMicrosoft ExcelFree4.7★ (1.5M)NoYesSep 2026
7Simple Spreadsheet:view & editSimple Spreadsheet:view & editFree4.6★ (6.9K)NoYesSep 2026
8Budget helper - spreadsheetsBudget helper - spreadsheetsFree—NoYesMay 2026

Top Picks for Free Budgeting Spreadsheet

Google Sheets#1

Google Sheets by Google

Collaborate on Spreadsheets
Editor's Choice
📊 Productivity
4.8😊(1.8M ratings)
Free
#14in Productivity
Google Sheets screenshot 1
Google Sheets screenshot 2
Google Sheets screenshot 3

Create, edit, and collaborate on spreadsheets from anywhere, anytime. Work offline, format cells, insert formulas, and view charts. Seamlessly edit Excel files and enjoy automatic saving of your work.

What We Love

  • 👍 Easy to use
  • 🚀 Convenient mobile access
  • 💡 Collaborative features
  • 🔒 Secure cloud storage
  • 📈 Useful for business/personal organization

Room to Improve

  • 🐛 Crashes and stability issues
  • 📱 Limited functionality compared to desktop version
  • 🔍 Difficult to navigate and find features
  • 🖋️ Cumbersome editing experience on mobile
  • 🗓️ Inconsistent date/time formatting
Goodbudget Budget Planner#2

Goodbudget Budget Planner by Dayspring Technologies

Money & Expense Tracker
Strong Contender
💰 Finance
4.6😊(13K ratings)
FreeIn-App Purchases
#68in 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
  • 🗓️ Useful for budgeting by pay period instead of monthly
  • 🧠 Encourages mindful spending and financial discipline
  • 🧭 Provides good visibility into spending categories

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
  • 🔢 Limited free version with only 10 envelopes
  • 🔍 Difficulty making changes to existing budgets
  • 🔍 Lack of automatic transaction importing/syncing
Budget app - spending tracker#3

Budget app - spending tracker by InnerGrow

Budget planner & money tracker
Worth Considering
💰 Finance
4.7😊(16K ratings)
FreeIn-App Purchases
#66in 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
  • 🗓️ Helpful calendar and transaction views
  • 🧮 Detailed budgeting and tracking features
  • 🔒 Secure manual data entry (no bank connections)
  • 💻 Seamless cross-device sync via iCloud

Room to Improve

  • 🐛 Recurring bills/payments not working as expected
  • 🔍 Lack of advanced reporting and analytics
  • 🤝 Sharing/collaboration features not reliable
  • 🇨🇦 Limited support for Canadian banks/accounts
  • 🔀 Difficulty moving money between budgets
  • 🕰️ Inconsistent date range/rollover behavior

More Free Budgeting Spreadsheet apps to explore

FAQ about Free Budgeting Spreadsheet

What are the best free budgeting spreadsheet apps for iPhone?
Google Sheets tops our free budgeting spreadsheet apps ranking as of September 2026, with a 4.8-star average from 1.8M App Store ratings, and it's free to download.
Google Sheets has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 250+ free budgeting spreadsheet apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
The app allows you to create, edit, and collaborate on spreadsheets. You can format cells, enter data, insert formulas, view charts, and use find/replace functionality. It also supports working offline and editing Excel files.
Key features include creating and editing spreadsheets, real-time collaboration with others, offline access for working anywhere, formatting options, formula insertion, chart viewing, and the ability to open and edit Excel files. All changes are automatically saved.