Best budget app on Reddit

456 reviews from r/personalfinance, r/budget, r/Frugal and 20 more subreddits

456 reviews from
and
By Brand
/
By Product
#1

YNAB

4.6
(96)
"It's incredible, especially for couples"
·
"Could be a really good fit."
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"Been using it since 2014."
·
"YNAB is the way to go."
·
"It's so flexible."
·
"It works great, we can split up the tedious reconciliations and such if we need to."
·
"It’s by far the only one that gives me the accuracy and detail."
·
"I swear by it."
·
"It’s eased a lot of my anxiety about finances."
·
"I’ve used YNAB for years and cannot sing its praises highly enough."
·
#2

Mint

4.0
(36)
"Also Mint. It does all the work for you and its free! Very simple to use."
·
"Mint app - it auto-tracks your spending into categories and then will suggest your budget based on that."
·
"I highly recommend Mint. All my debit, credit card, savings, and student loan info syncs to this app."
·
"My husband and I share a mint account and it works great."
·
"I use mint for tracking, google sheets for planning."
·
"I use a combination of Excel for budget building/planning and Mint for tracking."
·
"I found Mint to be pretty good."
·
"If you’re new to budgeting, I’d suggest Mint. It’s very easy to use and syncs easily with all my accounts."
·
"Mint and CreditKarma."
·
"I use Mint to track my expenses."
·
#3

EveryDollar

4.2
(30)
"Easy to use, cheap."
·
"I love the every dollar app."
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"I’ve used other budgeting apps but their Zero Dollar budgeting approach just works."
·
"I use and love EveryDollar app. I have the free version."
·
"Every dollar is really good!"
·
"I use the Every Dollar app"
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"Replacing YNAB with Every Dollar may have saved my marriage lol"
·
"EveryDollar."
·
"I use EveryDollar!"
·
"Works good for both of us."
·
#4

Monarch Money

4.5
(24)
"It’s the simplest, most brainless, easy to maneuver app."
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"Try 30 days free."
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"Very intuitive and is very good at classifying transactions."
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"Love it."
·
"Is absolutely amazing!!!!"
·
"It makes it a lot more user friendly."
·
"Totally worth the $99/yr."
·
"I recommend it with no reservations."
·
"Monarch allows you to both log in to see your combined transactions."
·
"Monarch money does this great."
·
#5

Copilot

4.3
(15)
"The best by far."
·
"!!"
·
"We use the Copilot app and have really enjoyed it."
·
"Clear UI, links with credit cards/bank accounts, etc."
·
"Very easy to use and it can pull bank accounts, investments, credit cards."
·
"I’ve done well with Copilot."
·
"App wise I'd say copilot is the best"
·
"I love it."
·
"We’ve had no complaints so far."
·
"I’m a big fan."
·
#6

Google Sheets

4.4
(14)
"Keeps you accountable when starting and you can customize it to your own specifications."
·
"Google sheets is more than enough and that's what we used during barkada trips dati."
·
"I prefer it over any app that I’ve tried."
·
"I use Google sheets."
·
"Free and you can do it yourself too."
·
"There’s a monthly and annual budget free to use already."
·
"Free to use, has a mobile app to access."
·
"Google sheets or excel."
·
"Manually doing a budget on google sheets has been the best experience for me."
·
"Another option is a shared Google Spreadsheet."
·
#7

GoodBudget

4.0
(15)
"GoodBudget has worked really well for myself and my wife…syncs up so we can see when someone has made a transaction."
·
"Would highly recommend the GoodBudget app."
·
"It works great and the free version has everything we need."
·
"My husband and I use goodbudget."
·
"I use Goodbudget. It has “envelopes” of money that you set to reload however often you want."
·
"Goodbudget app is great."
·
"Might be a good fit, although you'll need to check if the limits on the free account work for you."
·
"It does most of what you're looking for, but maybe a bit more manual."
·
"I use GoodBudget, not sure if its available on IOS."
·
"Goodbudget."
·
#8

Monarch

3.8
(10)
"Monarch Money…..I migrated over when Mint was no longer."
·
"Monarch Money. I've been using it just over a year now."
·
"Monarch is your answer."
·
"Monarch money might work."
·
"Monarch Money recently introduced a “flex budgeting” feature."
·
"Probably Monarch if YNAB isn’t your cup of tea."
·
"My husband (35M) and I (35F) started using Monarch a few months ago and it's been really helpful."
·
"I love Monarch, it's perfect for tracking joint spending."
·
"It’s okay monitors stocks very well."
·
"For personal use, we have Monarch. It's decent."
#9

Rocket Money

4.0
(9)
"I just started using Rocket Money and I love it."
·
"Totally worth it"
·
"It’s decent at auto categorizing as well but you do need to go in and do some manual categorizing."
·
"Rocket money sounds like it fits your asks."
·
"Rocket Money"
·
"Is great."
·
"My college kid uses it."
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"I like Rocket but think it can be cumbersome."
·
"I recommend free trials to see whta you like best. rockey money, everydollar"
#10

You Need a Budget

4.4
(7)
"You dont need 'income' but you do have money in an account somewhere that you're tracking right?"
·
"YNAB. My husband and I relied on self-employed income for over 10 years."
·
"YNAB for sure. I've been using it around 2 years and it's transformed my finances."
·
"I'd check out YNAB. It's not free but it has many benefits over Mint."
·
"Been using You Need A Budget (YNAB) for a bit over a year now."
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"YouNeedABudget costs, but I've found it's worth it."
·
"That said no idea, it sounds like you want YNAB but free"
#11

Empower

4.3
(7)
"The transaction view is excellent to monitor accounts."
·
"Empower is free, has a relatively good UI, keeps 90+ % of the accounts liked at all times."
·
"You can aggregate all your accounts there and get a high level overview of your spending."
·
"Empower"
·
"Empower is great for tracking investments, but I use Monarch for expense tracking and budgeting."
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"It has a decent dashboard and it's free."
·
"Empower!"
#12

Simplifi

4.1
(7)
"Their “spending plan” forces you to pay your bills and yourself first."
·
"It comes down to mastering the Spending Plan."
·
"Simplifi"
·
"Its pretty visual."
·
"I liked Simplifi slightly better in terms of reporting and mobile app capabilities."
·
"Simplifi has been working for me."
·
"Simplifi seems to have more functionality."
#13

Microsoft Excel

4.8
(6)
"Excel is the best budgeting software."
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"Microsoft Excel."
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"The best app is Microsoft Excel."
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"Excell."
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"Microsoft Excel for me."
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"Microsoft Excel."
#14

Habit Money

4.8
(6)
"Habit Money might be worth checking out. While it’s a full-feature budgeting app, it’s super easy to use and lets you track expenses together by syncing accounts."
·
"I love their easy-to-use interface."
·
"Stuck with me."
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"I love Habit Money. Love their psychology-based approach."
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"It's been great for us, and has helped us have more productive 'money talks' about what we value."
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"Could be a great fit for tracking multiple accounts."
#15

Splitwise

4.0
(7)
"1,000%."
·
"Try splitwise."
·
"Splitwise."
·
"I really like Splitwise."
·
"We use SplitWise."
·
"Splitwise!!"
·
"Link me: Splitwise."
#16

Honeydue

4.7
(6)
"Honeydue is free and specifically for couples."
·
"My husband and I use Honeydue."
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"Honeydue has been great for me and my husband."
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"I like Honeydue. It’s meant to be a couples finance app."
·
"Try HoneyDue."
·
"I use an app called Honeydue. It's meant to be used with someone, like a spouse."
#17

Actual Budget

4.5
(6)
"Check out Actual Budget, HomeBank, or MoneyManagerEx. All free + open source options."
·
"It's really good envelope budgeting software (like YNAB) but free (if self hosting) or low cost (if you pay for hosting)."
·
"Free and open source and if your technically inclined you can self host it."
·
"Might get a little confusing to setup at first."
·
"I'm a big fan of Actual Budget (https://actualbudget.org/). You can either run it for free on your own computer, or pay about $2/month to rent a server on PikaPods to host it."
·
"Is free and is a great alternative to YNAB."
#18

Centsible

4.2
(6)
"I just found this app a few weeks ago and LOVE it."
·
"Has lifetime purchase for offline use. Its envelope budgeting."
·
"One-time purchase if you only need to use it on one device."
·
"Similar to ynab, without the high cost."
·
"I built an app called Centsible. It's envelope budgeting."
·
"Big fan of the audits."
#19

MoneyLover

4.0
(6)
"Works great, very simple to use."
·
"Free to install."
·
"I use Moneylover. You can sync accounts and set up multiple budgets and manually track your spending."
·
"Good app. I used it for a long time before switching to YNAB."
·
"Personally, I'm using MoneyLover. Great app."
·
"Big fan of MoneyLover."
#20

Tiller

4.0
(6)
"It’s awesome."
·
"All stays in a Google Sheet so nice and familiar."
·
"It's fully customizable in Google Sheets."
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"Is the easiest I've found."
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"Have you seen Tiller?"
·
"Td offers an app like that."
#21

Daily Budget

4.6
(5)
"I really love Daily Budget."
·
"I really like the app called “Daily Budget”."
·
"I love Daily Budget."
·
"It gives you a budget."
·
"They don't connect to your bank or sell user data."
#22

TrueBill

4.0
(5)
"Truebill"
·
"Trubill is nice, not sure If its a subscription but it's very usefull."
·
"Truebill works well for this."
·
"I've had great success with TrueBill."
·
"It's 3$. It has saved me more money."
#23

You Need A Budget (YNAB)

4.0
(5)
"Since YNAB does both, I use YNAB."
·
"Youneedabudget.com YNAB"
·
"YNAB is an option for budgeting / controlling spending, sure."
·
"I have been a YNAB user for a couple years."
·
"YNAB is hard to get into because it's active budgeting."
#24

PocketSmith

4.3
(4)
"I credit it with changing my entire financial future."
·
"Their support is top notch as well... they actually have humans respond to emails within 24-48 hours!"
·
"If you have any international accounts/multi-currency needs."
·
"Personally I like PocketSmith after recently moving away from YNAB Classic."
#25

Lunch Money

4.3
(4)
"I can give you my referral for a free trial if u want."
·
"Lunch Money does category comparisons with a line chart or table."
·
"Allows for multiple collaborators."
·
"I pay $40 a year for."
#26

Excel

4.0
(4)
"I created my own spreadsheet to track my expenses."
·
"You can download the app on your phone and share the worksheet with your husband."
·
"We use an excel sheet that’s shared on one drive— surprisingly user friendly on the phone."
·
"I have tried many apps available on the play store but none was good enough to stick with it."
#27

BlueCoins

4.0
(4)
"Bluecoins hits everything apart from material you design."
·
"[Bluecoins] satisfy most of your requirement."
·
"BlueCoins for android (maybe ios) is really good!"
·
"I've been trying the Bluecoins app on Android which has been pretty good so far."
#28

Cashew

4.7
(3)
"The best app available on Android & iOS."
·
"Try cashew."
·
"* Cashew * MoneyManager Ex Both open source."
#29

Personal Capital

4.7
(3)
"Personal Capital is fantastic."
·
"Personal capital does everything mint does and more."
·
"I really prefer Personal Capital now."
#30

Wealth

4.3
(3)
"Really good app on Google app store. I have been using it for past year and half and cannot fault it"
·
"You can track and manage your budget and finance in great detail."
·
"Brilliant software app to manage all income, expense, assets, liability."
#31

Fidelity

4.3
(3)
"It's been the best fit for my tracking."
·
"It sorts transactions into categories and I usually go in once or twice a month."
·
"It is pretty simple and free."
#32

Budget

4.3
(3)
"A free and open source ynab alternative."
·
"It has a cheap lifetime subscription."
·
"It isnt an app but you can take a class and learn how to budget your money."
#33

Budgey

4.0
(3)
"It shows your spending for a specific date range."
·
"Super easy to use."
·
"[Budgey!](https://budgeyapp.com)"
#34

PocketGuard

3.7
(3)
"I’ve used EveryDollar for a while now and just started PocketGuard. I personally like the layout and features of PocketGuard much better."
·
"It seemed...okay? Free version of course"
·
#35

Spendee

3.7
(3)
"I use Spendee"
·
"Its super simple. You create your own categories."
·
"Maybe 'Spendee' is helpful, though they don't have many Swiss banks integrated."
#36

WealthPosition

3.3
(3)
"You can customize it to your own requirement."
·
"I chose Wealth Position for flexibility."
·
"Wealth Position"
#37

Nerdwallet

4.5
(2)
"Nerdwallet is easily the best one Ive tried."
·
#38

Buddy

4.5
(2)
"Buddy is amazing! Check it out."
·
"For the app I would suggest trying buddy."
#39

Actual

4.5
(2)
"I strongly recommend it, it's been great."
·
"I swapped to it from YNAB and I'm liking it so far."
#40

1Money

4.5
(2)
"I use [1Money]. Paid once for lifetime license."
·
"No monthly subscription fees, allows you to set budgets."
#41

Fina Money

4.5
(2)
"It’s really easy to use and is free to get started."
·
"Fina Money would be a good choice, it has many templates to start with."
#42

Moneydance

4.0
(2)
"One-time purchase, optional sync for VERY low subscription fee"
·
"I use Moneydance. Does what I need re budgeting and tracking, does projections, multiple accounts."
#43

MoneyWiz

4.0
(2)
"Ended up with MoneyWiz."
·
"Not free but well worth the minimal cost."
#44

Wallet

4.0
(2)
"'Wallet' app and 'spendee' app might come in handy."
·
"I love it, it has bank sync as a premium function."
#45

Budget with Buckets

4.0
(2)
"One time purchase with unlimited free trial"
·
"Not fancy, but works really well for mine and the household budget."
#46

Spreadsheet

4.0
(2)
"I just created a spreadsheet with the relevant categories and used it for myself."
·
"A good old spreadsheet works great."
#47

Money Manager

4.0
(2)
"I like money manager."
·
"Now I use an Android app called Money Manager which is manual, but gives me a sense of control."
#48

TimelyBills

4.0
(2)
"They have lots of features in the free version."
·
"Has all the budgeting we need and tracks daily expenditures."
#49

DollarBird

3.5
(2)
"I'm running Dollarbird right now. I really like the calendar view for everything."
·
"I use DollarBird, and it is adequate."
#50

Dime

3.5
(2)
"Dime is a great app."
·
"I downloaded ‘Dime’ which seemed good, however it’s limited."
#51

Wealth Position

3.5
(2)
"I chose Wealth Position for flexibility. Short and long-term finance planning, future forecasting up to retirement and beyond."
·
"Little complex to set up but if you understand the concept."
#52

Quicken

3.5
(2)
"The spend plan function helps me visualize how much I have left to spend."
·
"What about starting with an entry-level Quicken?"
#53

BUDGT

5.0
(1)
"Super easy to use. Put in how much you want to spend, and it gives you a daily dollar amount."
#54

MoneyWallet

5.0
(1)
"Try MoneyWallet. It's free, the design is great, you can add your own categories."
#55

Notion

5.0
(1)
"I use Notion for my budgeting & entire life. It’s free to use for the individual plan."
#56

MyMoney Pro

5.0
(1)
"I have been using this app for over a year."
#57

Clarity Money

5.0
(1)
"I love it."
#58

Co-save

5.0
(1)
"Personally I love it because it has a cool co-save option."
#59

Account Tracker

5.0
(1)
"Hands down the best account tracking app I’ve used."
#60

Daily Expenses 3

5.0
(1)
"Try Daily Expenses 3. I love it!"
#61

PlanSense

5.0
(1)
"Completely free"
#62

Budget Flow

5.0
(1)
"I highly recommend the Budget Flow app."
#63

Every Pocket

4.0
(1)
"If I was on Android (and couldn’t afford YNAB) I’d try out https://www.everypocket.com."
#64

Home Budget

4.0
(1)
"I've been using Home Budget for several years."
#65

Every Dollar

4.0
(1)
"The app for that has a free version called Every Dollar available on his website."
#66

SpendCircle

4.0
(1)
"Please try SpendCircle (only available on iPhones). I had the exact same problem, and having an app that visually shows us all our expenses by month has helped us become aware of our wasteful spending."
#67

Credit Union Money Management System

4.0
(1)
"It tracks my spending automatically and sends me alerts if I'm going over budget."
#68

Mint, Personal Capital

4.0
(1)
"I use a combination of mint, personal capital and excel spreadsheets."
#69

DebtFreeMom.co

4.0
(1)
"My husband and I use a spreadsheet budget template from DebtFreeMom.co."
#70

Neontra

4.0
(1)
"Neontra is good and free if you just uploading csv files."
#71

My Budget Book

4.0
(1)
"My Budget Book will meet all your needs...."
#72

HomeBudget

4.0
(1)
"[homebudget] app can do all this and more if you are looking for android."
#73

Google Docs/Sheets

4.0
(1)
"Simply using Notes or Google Docs, Sheets can work great."
#74

TrackMySpend

4.0
(1)
"I like TrackMySpend from MoneySmart."
#75

Apple

4.0
(1)
"I use debit & credit from the apple App Store, it’s free, simple, and syncs."
#76

Simple Envelope Budgeting

4.0
(1)
"Simple Envelope Budgeting is great for iPhone and iPad."
#77

DAS Budget

4.0
(1)
"DAS Budget. It's based on the old Simple bank app and it's really the best option available."
#78

Every Penny

4.0
(1)
"Every Penny was helpful and pretty easy to figure out."
#79

Clear Checkbook

4.0
(1)
"Try looking into clear checkbook."
#80

Monzo

4.0
(1)
"Not sure if this answers it exactly but have you tried Monzo."
#81

Money Monitor

4.0
(1)
"Look for 'Money Monitor' in the mobile app store."
#82

ClearCheckbook

4.0
(1)
"ClearCheckbook is good."
#83

Money Lover

4.0
(1)
"Go for Money Lover."
#84

Envelope Money

4.0
(1)
"Best I found for me was actually Envelope Money."
#85

Wally

4.0
(1)
"I use Wally. Not as well known, but I like how I can categorize expenses."
#86

Pocketbook

4.0
(1)
"I think Pocketbook has synching for most Aus banks."
#87

Cleo

4.0
(1)
"I've been using Cleo for a few weeks."
#88

Break Your Budget

4.0
(1)
"I love the Personal Finance Dashboard."
#89

Fina

4.0
(1)
"Its flexibility allows you to customize a tracking block."
#90

Moneydew

4.0
(1)
"Easy to create budget."
#91

Piere

4.0
(1)
"Pretty straightforward."
#92

Quicken Simplifi

4.0
(1)
"I tried Monarch Money also but settled on Simplifi."
#93

Beewallet

4.0
(1)
"It will show you the “balance” that is in your bank account."
#94

Qube Money

4.0
(1)
#95

Card Budget

4.0
(1)
"Looks strange but it’s the best App if you move to different countries a lot."
#96

Westpac Budget App

3.0
(1)
"Westpac has a free one for customers which is okay."
#97

Xero

3.0
(1)
"Xero cash book subscription if you can get one."
#98

Simple Budget

3.0
(1)
"Simple budget is a phone app that is electronic envelopes."
#99

budgetberatung

3.0
(1)
"I use the app "budgetberatung"."

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