Budget App reviews from Reddit

"It's been totally worth it in the 5+ years that I've used it."

"It's incredible, especially for couples"

"Could be a really good fit."

"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."

"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."

"Easy to use, cheap."

"I love the every dollar app."

"Every dollar has allowed my SO and I to save 5k in three months of using it which we have literally never had so much money sitting in our bank account at once."

"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"

"Replacing YNAB with Every Dollar may have saved my marriage lol"

"EveryDollar."

"I use EveryDollar!"

"It’s the simplest, most brainless, easy to maneuver app."

"Try 30 days free."

"Very intuitive and is very good at classifying transactions."

"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."

"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."

"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."

"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."

"I just started using Rocket Money and I love it."

"Totally worth it"

"Yes, Rocket money free account is good enough to track transactions."

"Rocket Money is actually really good and does a great job of separating credit card and bank account purchases"

"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."

"I like Rocket but think it can be cumbersome."

"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."

"Try Wealth Position really good for budget planning, managing multiple accounts and tracking all incomes, expense, assets, liability from one place and see financial picture now and into the future up to retirement and beyond in one currency or multiple"

"Try Wealth Position really good for budget planning, managing multiple accounts and tracking all incomes, expense, assets, liability from one place and see financial picture now and into the future up to retirement and beyond in one currency or multiple."

"Try WealthPosition.com brilliant software app to budget and manage personal finances for short and long-term planning to see where your money is coming from and where it is going."

"Try Wealth Position"

"Try WealthPosition.com"

"You can customize it to your own requirement."

"I chose Wealth Position for flexibility."

"Wealth Position"

"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."

"YouNeedABudget costs, but I've found it's worth it."

"That said no idea, it sounds like you want YNAB but free"

"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."

"It has a decent dashboard and it's free."

"Empower!"

"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."

"If you want to do more for free look into Actual-Budget but that require some work upfront."

"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."

"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."

"I love Habit Money. Love their psychology-based approach."

"It's been great for us, and has helped us have more productive 'money talks' about what we value."

"Could be a great fit for tracking multiple accounts."

"Excel is the best budgeting software."

"Microsoft Excel."

"The best app is Microsoft Excel."

"Excell."

"Microsoft Excel for me."

"Microsoft Excel."

"1,000%."

"Try splitwise."

"Splitwise."

"I really like Splitwise."

"We use SplitWise."

"Splitwise!!"

"Link me: Splitwise."

"Honeydue is free and specifically for couples."

"My husband and I use Honeydue."

"Honeydue has been great for me and my husband."

"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."

"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."

"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."

"It’s awesome."

"All stays in a Google Sheet so nice and familiar."

"It's fully customizable in Google Sheets."

"Is the easiest I've found."

"Have you seen Tiller?"

"Td offers an app like that."

"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."

"I can give you my referral for a free trial if u want."

"Lunch Money is run by a Canadian. You can set up multiple accounts within the app and add additional users for free. Allows for manual entry, CSV upload, and can read in PDF statements."

"Lunch Money does category comparisons with a line chart or table."

"Allows for multiple collaborators."

"I pay $40 a year for."

"I use money manager: budget planner for savings, crypto tracking, and other investments"

"The other Money Manager app (by Realbyte) works for me. I've been using it since 2019 and recently upgraded to premium."

"Meron na yun both budgeting tsaka expense tracking para isa nalang"

"I like money manager."

"Now I use an Android app called Money Manager which is manual, but gives me a sense of control."

"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."

"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."

"Fina Money is a great app to track both your budget and credit. It’s simple and syncs your accounts easily."

"It’s really easy to use and is free to get started."

"Try Fina Money. It’s simple focused on budgeting and helps you track your expenses easily."

"Fina Money would be a good choice, it has many templates to start with."

"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."

"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."

"Ended up with MoneyWiz."

"Used this for the last 5 years, supports multi currency, forecasting etc."

"Moneywiz is a good starting point and it’s like $35/yr."

"Not free but well worth the minimal cost."

"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."

"I really like Quicken Simplifi! $34 for the year !"

"I use Quicken on my laptop."

"The spend plan function helps me visualize how much I have left to spend."

"What about starting with an entry-level Quicken?"

"The best app available on Android & iOS."

"Try cashew."

"* Cashew * MoneyManager Ex Both open source."

"Personal Capital is fantastic."

"Personal capital does everything mint does and more."

"I really prefer Personal Capital now."

"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."

"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."

"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."

"Nerdwallet is easily the best one Ive tried."

"For credit scores Credit Karma and NerdWallet work fine but Fina money covers everything in one without the extra junk"

"It shows your spending for a specific date range."

"Super easy to use."

"[Budgey!](https://budgeyapp.com)"

"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"

"Try Wealth Position really good for customizing to your own requirement, budget planning, managing multiple accounts, and tracking all incomes, expense, assets, liability from one place and see financial picture now and into the future up to retirement and beyond in one or multiple currency, and works any where in the world."

"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."

"They have lots of features in the free version."

"Has all the budgeting we need and tracks daily expenditures."

"TimelyBills, try if it fits what you're looking for"

"I use Spendee"

"Its super simple. You create your own categories."

"Maybe 'Spendee' is helpful, though they don't have many Swiss banks integrated."

"Buddy is amazing! Check it out."

"For the app I would suggest trying buddy."

"I use [1Money]. Paid once for lifetime license."

"No monthly subscription fees, allows you to set budgets."

"I strongly recommend it, it's been great."

"I swapped to it from YNAB and I'm liking it so far."

"The app for that has a free version called Every Dollar available on his website."

"If you feel 'weird' about giving mint all your log in information (like I do) try every dollar. I love it."

"I used YNAB for years for it got expensive. I set it up with Pikapods and it’s a couple dollars a month."

"I'll recommend You Need A Budget (aka YNAB), as I think it will handle most of what you're looking for."

"Empower Personal Capital - Fidelity Full View Both free options."

"I’ve switched to Fidelity’s Full View and I really like it so far!"

"I just created a spreadsheet with the relevant categories and used it for myself."

"A good old spreadsheet works great."

"One time purchase with unlimited free trial"

"Not fancy, but works really well for mine and the household budget."

"'Wallet' app and 'spendee' app might come in handy."

"I love it, it has bank sync as a premium function."

"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."

"Dime is a great app."

"I downloaded ‘Dime’ which seemed good, however it’s limited."

"Qube Money"

"I'm running Dollarbird right now. I really like the calendar view for everything."

"I use DollarBird, and it is adequate."

"Super easy to use. Put in how much you want to spend, and it gives you a daily dollar amount."

"Try MoneyWallet. It's free, the design is great, you can add your own categories."

"I use Notion for my budgeting & entire life. It’s free to use for the individual plan."

"I have been using this app for over a year."

"I love it."

"Personally I love it because it has a cool co-save option."

"Hands down the best account tracking app I’ve used."

"Try Daily Expenses 3. I love it!"

"Completely free"

"I highly recommend the Budget Flow app."

"I've been using Home Budget for several years."

"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."

"It tracks my spending automatically and sends me alerts if I'm going over budget."

"I use a combination of mint, personal capital and excel spreadsheets."

"My husband and I use a spreadsheet budget template from DebtFreeMom.co."

"Neontra is good and free if you just uploading csv files."

"My Budget Book will meet all your needs...."

"[homebudget] app can do all this and more if you are looking for android."

"Simply using Notes or Google Docs, Sheets can work great."

"I like TrackMySpend from MoneySmart."

"I use debit & credit from the apple App Store, it’s free, simple, and syncs."

"Simple Envelope Budgeting is great for iPhone and iPad."

"DAS Budget. It's based on the old Simple bank app and it's really the best option available."

"Every Penny was helpful and pretty easy to figure out."

"Try looking into clear checkbook."

"Not sure if this answers it exactly but have you tried Monzo."

"Look for 'Money Monitor' in the mobile app store."

"Go for Money Lover."

"I like good budget!"

"I use Wally. Not as well known, but I like how I can categorize expenses."

"I think Pocketbook has synching for most Aus banks."

"I've been using Cleo for a few weeks."

"I love the Personal Finance Dashboard."

"Its flexibility allows you to customize a tracking block."

"Easy to create budget."

"Pretty straightforward."

"I tried Monarch Money also but settled on Simplifi."

"It will show you the “balance” that is in your bank account."

"Looks strange but it’s the best App if you move to different countries a lot."

"Westpac has a free one for customers which is okay."

"Xero cash book subscription if you can get one."

"Simple budget is a phone app that is electronic envelopes."

"I use the app "budgetberatung"."