Best budgeting app on Reddit

580 reviews from r/budget, r/personalfinance, r/MoneyDiariesACTIVE and 34 more subreddits

580 reviews from
and
By Brand
/
By Product
#1

YNAB

4.5
(84)
"Got me out of debt, and now I'm better financially than ever before!"
·
"It's not free or necessarily cheap. however it has been the best thing for me."
·
"YNAB works great for this."
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"Just pay the money and go with YNAB off the bat."
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"YNAB"
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"YNAB"
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"YNAB!!! There’s a great sub dedicated to it - r/ynab"
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"100% YNAB. Life changing method & fantastic app."
·
"Has literally changed my financial life in the best way possible."
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"YNAB is my favorite option if you can afford the yearly cost."
·
#2

You Need A Budget

4.9
(53)
"YNAB"
·
"YNAB is the absolute best."
·
"YNAB."
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"Ynab!"
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"YNAB. I love it."
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"I use YNAB now and find it helps a lot."
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"I’ve used YNAB for years and love it."
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"You Need A Budget."
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"Many in the subreddit say YNAB has been extremely helpful and 'life changing' and worth the price."
·
"Ynab or bust"
·
#3

Monarch Money

4.5
(37)
"The most comparable to that is Monarch Money."
·
"Monarch is by far the most feature rich and user friendly app I've ever used."
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"Monarch Money is my choice, ever since Mint shut down."
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"Monarch is amazing!"
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"We use Monarch Money."
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"This is pretty much what my wife and I like about Monarch."
·
"Monarch has been the best value for me and my fiancé."
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"Monarch is the best I’ve found."
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"Give monarch a shot for free 30 days."
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"Apple Card have been flawless on Monarch."
·
#4

Rocket Money

3.9
(24)
"Rocket Money is hands down a life saver."
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"It's great for tracking spending and will categorize your spending."
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"Their free version is surprisingly robust."
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"I personally didn't like YNAB and switched to Rocket Money."
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"I bit the bullet and got rocket money."
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"I use rocket money personally and it’s done right by me."
·
"We use Rocket Money. It's been pretty good."
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"I tried out rocket money and it’s a really nice app."
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"I love the rocket money app to track budget and spending."
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"Rocket money is great."
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#5

Monarch

4.3
(22)
"Is the best Currently 50% off for your first year."
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"Monarch is my fav app i have ever used for budgeting."
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"Monarch is fantastic."
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"We use Monarch for our business."
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"Monarch! I’ve loved it the last year."
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"I feel it’s better than mint for a lot of reasons."
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"User interface is great, pretty customizable, and haven’t had any account link issues."
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"In the end, Monarch Money came out on top for me."
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"Monarch is what we use."
·
"I use Monarch."
·
#6

EveryDollar

4.0
(22)
"I use everydollar and pay for the premium version."
·
"I love EveryDollar by Dave Ramsey"
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"Every dollar is my fave! Free and you enter each thing manually."
·
"Every Dollar’s free version is pretty good."
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"I am curious myself if anyone has tried Every Dollar."
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"Every Dollar is free."
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"What I liked about it was it has a really flexible ability to set categories and separated incomes."
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"EveryDollar! It’s zero-based budgeting and is free for manually tracking income and expenses"
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"Every dollar app is good"
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"If you like not having to pay for an app, I find Every Dollar to be the best free option."
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#7

Wealth Position

4.2
(19)
"Try Wealth Position really good for budget planning."
·
"Wealthposition is another brilliant app to try."
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"Wealthposition brilliant software tool customizable to your own requirement."
·
"I chose Wealth Position for price and flexibility."
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"Try Wealth Position really good for budget planning."
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"I micro manage my finances and chose Wealth Position for flexibility."
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"I chose Wealth Position for flexibility. Short and long-term finance planning."
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"I chose Wealth Position for flexibility. Short and long-term finance planning, future forecasting up to retirement and beyond."
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"I chose Wealth Position for flexibility. Short and long-term finance planning."
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"Wealth Position is good for customizing everything to your own requirement."
·
#8

Copilot

4.3
(18)
"I use copilot now and it’s got the best user interface."
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"We use the Copilot app and have really enjoyed it."
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"We use the Copilot app and have really enjoyed it."
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"We use the Copilot app and have really enjoyed it."
·
"Co-pilot! For iOS only, but really great for categorizing and budgeting."
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"Copilot is what I ended up with."
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"Copilot money has delivered for me since I left mint."
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"Copilot does allow you to see which account the transaction came from."
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"Copilot or monarch depending on your use cases / what you value."
·
"So easy to set up and things don’t randomly disconnect."
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#9

Copilot Money

4.6
(14)
"If you're in the Apple ecosystem, I love love love Copilot Money."
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"Copilot Money freakin’ rocks."
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"I like to use copilot."
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"I’d recommend Copilot."
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"I recently switched to copilot and i LOVE it."
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"I use Copilot. I tried YNAB and it was just not a good fit for me."
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"I switched from YNAB (after 8 years) to copilot and have been really impressed."
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"If you have an iPhone or Mac, Copilot is a great option."
·
"A few good ones such as Copilot Money, Quicken Simplify, Fina Money, Copilot Money, YNAB, etc."
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"Copilot Money."
·
#10

Google Sheets

4.5
(11)
"I found a free Google Sheet template someone else created."
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"We use a shared spreadsheet on Google sheets actually and I love it."
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"Google Sheets. What if your favorite budgeting app goes away?"
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"WhatsApp group supplement by Google sheet."
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"Google Sheets is life."
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"If you’re manually entering data anyway just use google sheets."
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"Pretty handy and lots of support across devices."
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"I do honestly find that a google sheets planner was the best & using cash as my ‘spending money’."
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"Personally I just use a google sheets budget, it's online and cross platform."
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"I use Google Sheets."
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#11

Quicken

3.6
(13)
"I’ve tried a lot of others and nothing has the full functionality and features of Quicken."
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"Quicken Simplifi!"
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"Quicken simplify was 20$ a year."
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"I've been using Quicken Simplifi for a few weeks and really like it."
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"Quicken simplifi."
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"Lower cost than Monarch and it doesn’t use Plaid, it use Intuit owned platform which is not open to anyone, faster pulling as well."
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"I'm still a huge Quicken Deluxe fan."
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"I sure miss the early days of Quicken."
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"Quicken Desktop is great in theory."
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"Quicken Desktop."
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#12

Fina Money

4.5
(10)
"Way better than spreadsheets or paid apps that don’t do much more."
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"It’s super easy to use and doesn’t force a monthly budget when you’re at zero."
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"I’d recommend u to try Fina Money."
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"Fina Money is a great option for tracking recurring expenses."
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"You should try Fina Money. It works for zero based budgeting."
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"Fina Money is a great option to check out. It’s super easy to use helps you track your spending."
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"It’s pretty simple to use works great and lets you link all your accounts in one place."
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"Try Fina Money, the sub r/fina for more discussions."
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"Fina Money’s multiple profiles feature may be helpful."
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"Also check out FINA, but I haven't tried it yet but seems cool."
#13

Centsible

4.0
(11)
"Centsible is exactly this."
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"I am using an app called Centsible. Fits your pricing requirements and has CSV import."
·
"Try out Centsible."
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"I also built an envelope budget app called Centsible."
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"I built an envelope budgeting app called Centsible."
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"I built an envelope budget app called Centsible."
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"I use Centsible."
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"Centsible is envelope budgeting. Mobile only."
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"Centsible is a good alternative to ynab."
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"I use Centsible with my wife. Envelope budgeting and syncs between devices."
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#14

Simplifi

4.0
(10)
"I made the switch to Simplifi starting in November."
·
"I switched to simplifi about a week ago and its about $50 a year."
·
"I’m actually digging Simplifi from Quicken lately."
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"Give Quicken Simplifi a try."
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"I wouldn't miss out on Simplifi for that reason."
·
"I really like Watchlists, the Spending Plan is pretty good."
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"I use simplifi"
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"I have been using Simplifi by Quicken for nearly two years now and really enjoy it."
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"It's grown on me since Mint died."
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"I tried both Monarch and Simplifi (from Quicken), but ended up canceling Monarch."
#15

Lunch Money

4.0
(10)
"Rave about Lunchmoney app."
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"Loving lunch money, best value I have so far."
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"I'm the founder/engineer behind it."
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"Lunch Money has a collaboration feature works for couples."
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"I'm currently researching Lunch Money... So far my favorite of all the options."
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"I use Lunch Money."
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"I use the Lunch Money App."
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"It's got multi-currency support and is run by a solo female entrepreneur."
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"Lunch Money has a way to add a category to exclude certain transactions."
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"Lunchmoney does not support transactions for loan accounts."
#16

Pocketsmith

4.1
(9)
"The best paid for option was Pocketsmith, loads of features and not too expensive."
·
"So far Pocketsmith is the one I’ve found that automatically integrates with the most of my accounts."
·
"I use Pocketsmith personally."
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"Took some time to figure out how to set it up, but it looks pretty good right now."
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"Quite happy with Pocketsmith and is multi-currency."
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"I have had the best success with Pocketsmith."
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"I am testing out pocketsmith at the moment."
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"Pocketsmith"
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"I've been using Pocketsmith for years and it's worked well for me."
#17

Goodbudget

3.9
(9)
"I like GoodBudget."
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"It’s free and it’s envelope style budgeting that just makes sense for me."
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"Goodbudget."
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"Goodbudget. Been using it for over ten years"
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"I love GoodBudget, it is the same envelope system as YNAB."
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"I used an envelope based app called Goodbudget."
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"Free version has a certain number of "envelopes" for categorizing spending."
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"It's VERY simple and scaled down compared to a lot of others."
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"App I use for cash flow is good budget."
#18

Habit Money

4.6
(7)
"Nothing has worked as well for me as Habit Money."
·
"I’ve been using Habit Money for a while now, and honestly, it’s been the most helpful budgeting app I’ve tried."
·
"Definitely worth checking out if you want s."
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"I would suggest giving Habit Money a try."
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"The best one I’ve used is Habit Money."
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"For my day-to-day budgeting and expense tracking I use Habit Money."
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"Habit Money! Simple, easy, great if you don't love dealing with money."
#19

Neontra

4.3
(7)
"Neontra. It’s free and made in Canada."
·
"Try Neontra. It's free. I switched to them a month ago and really like it."
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"Neontra is a good option too."
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"Neontra has a free option if all you want is manual entry."
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"They use Plaid and Flinks."
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"You can try for free without credit card for 90 days."
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"Neontra. Closest thing to Mint out there."
#20

NerdWallet

4.3
(7)
"NerdWallet. Free. Links to every account."
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"I have used NerdWallet for over a year. It’s free, connects to all of my accounts/cards."
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"Nerd Wallet has a decent one. It allows you to link bank accounts."
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"Just downloaded NerdWallet to track spending and it's great so far!"
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"NerdWallet free version is excellent."
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"I'm currently using nerdwallet, which is free and basically decent."
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"I've been enjoying nerdwallet so far."
#21

Microsoft Excel

4.8
(6)
"I bought an excel template for 99 cents lol. I log everything monthly and it takes me maybe 15 min."
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"Excel spreadsheets are the way to go."
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"I found a video on YouTube on how to create a budget tracker in Excel for free."
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"Excel."
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"I also have a budget spreadsheet and have the rough date of the month for stuff outside of that."
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"I used Microsoft Excel + Power BI Dashboard."
#22

Mint

3.4
(8)
"Mint, YNAB, or Personal Capital are great budgeting apps."
·
"Mint has always been my favorite 'set it and forget it' app."
·
"Mint.com is free and easy to use."
·
"Eventually I switched to Mint because I had a credit card."
·
"Mint worked great for a long time, but then shut down."
·
"I’m overwhelmed by all the recs coming in since I’m also a mint user."
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"Mint is awesome but unfortunately, at the end of the year they will no longer exist."
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"The 'Mint app', updates periodically, not as fancy as Max Rewards."
#23

Actual Budget

3.9
(7)
"It's the best budgeting software I've ever used."
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"I would recommend Actual Budget because they allow bank sync with European and North American banks."
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"I'm using Actual Budget which is pretty much the same but less fancy."
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"Just started using Actual Budget and so far pretty impressed."
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"Is a great, free ynab4 alternative."
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"ActualBudget and Liquid Budget as alternatives."
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"Actual Budget is similar (but worse imo) and much cheaper."
#24

Piere

4.0
(6)
"Piere has been a game-changer for me."
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"I use an app called Piere and it’s free."
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"Piere is a cool alternative I recently tried."
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"I’d recommend giving Piere a try."
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"Piere."
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"/r/piere works with all fidelity type accounts."
#25

Empower

4.0
(6)
"Empower is free, and syncs to your accounts."
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"Empower Personal is free and is my replacement for Mint."
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"I found it to be the best free app out there."
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"Is free."
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"I use Empower to import all transactions."
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"Best free option is empower/personal capital."
#26

Tiller

4.6
(5)
"If you're already in Excel and just want to build from there, check out Tiller."
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"Loooove tiller so much. Can’t recommend highly enough."
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"Tiller Money has been a godsend for us!"
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"I can’t recommend Tiller enough."
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"Try Tiller if you like Google Sheets and care about privacy."
#27

WealthPosition

4.2
(5)
"The one I use is WealthPosition.con really good for customizing it to your own requirement, and track all your finances."
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"Try WealthPosition it's super customizable to your own requirement."
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"Wealthposition is good."
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"The app is really good you don't need to connect to the bank."
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"This app doesn't connect to Banks directly in Europe."
#28

Fidelity Full View

4.0
(5)
"I’d highly recommend trying their new “Full View” feature."
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"I’ve been using fidelity full view and have been very happy with it."
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"Fidelity FullView."
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"Fidelity Full View is pretty decent, and it is free."
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"I have faith Fidelity Full View will be good once they finally build an app."
#29

Money Manager

3.8
(5)
"I use money manager which is best."
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"Try money manager."
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"I like MoneyManager."
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"I recommend Money Manager (free of use with advertisements)."
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"I use money manager app."
#30

Buddy

3.8
(5)
"The free version is more than enough for my needs."
·
"I like 'buddy' but it’s only for iPhone."
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"When I had an iPhone I used Buddy and love loved it."
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"I love it for everything else though, highly recommend giving it a try."
·
"I use buddy."
#31

PocketGuard

3.6
(5)
"I’ve been using PocketGuard. No issues with connecting to Amex."
·
"I went with PocketGuard and have been quite happy."
·
"PocketGuard does, but it might be over $100 at this point."
·
"I'm trying pocket gaurd which seems to use more than plaid."
·
"Seems to be working some what well for me so far."
#32

Good Steward

4.3
(4)
"I’m currently using Good Steward and plan on staying."
·
"Give GoodSteward.io a try if you are interested in something similar."
·
"But try us out at Good Steward. It's free and local-only."
·
"Try us out at Good Steward."
#33

Budgety

4.3
(4)
"Try Budgety. People are sleeping on them."
·
"Is the best Canadian friendly budgeting app if you ask me."
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"[Budgety ](https://link.mybudgety.com/app). It's made in canada."
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"Try [Budgety]. Very efficient for budgeting."
#34

Actual

4.3
(4)
"Actual, it's free and can be self hosted."
·
"For those interested in (self-hosted) Actual."
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"Actual budget"
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"YNAB has the best philosophy, but I loathe not owning my data."
#35

Fina

4.0
(4)
"It is simple, and helps you track what you need to keep in your accounts for bills."
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"Fina Money is probably your best bet if you want something free (for manual entry) and easy."
·
"Fina can be a great fit for your simple need."
·
"You can try Fina money, it is not iPhone app, but runs on mobile browser."
#36

Cashew

4.3
(3)
"Cashew, all the features are free, great app, if you like it, you can help the developer paying for the app to remove some text in app"
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"I have paid for Cashew."
·
"I REALLY like Cashew."
#37

Dime

4.3
(3)
"Dime is beautiful app for managing expenses"
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"Dime! Been using it since 2022."
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"Try Dime no data collection whatsoever. It’s pretty simple."
#38

Heron

4.3
(3)
"I created Heron because I couldn't find anything that handled the way I thought about money."
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"Have a look at Heron."
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"Heron allows you to use Plaid or not."
#39

Wallet

4.3
(3)
"I've been using Wallet by Budget Bakers since 2018."
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"Been using Wallet since 2018."
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"I suggest Wallet by BudgetBakers."
#40

Excel

4.0
(3)
"I found a video on YouTube on how to create a budget tracker in Excel for free."
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"Excel (I'm not kidding)"
·
"Go old school and use excel."
#41

Spending Tracker

4.0
(3)
"Use this, I am using it."
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"The one I use is called 'Spending Tracker - Budget' in Apple’s App Store and I really like it."
·
"I use Spending Tracker by MH Riley."
#42

BudgetBee

3.7
(3)
"[https://jivaro.net/misc/apps/budgetbee](https://jivaro.net/misc/apps/budgetbee)"
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"Try [https://jivaro.net/misc/apps/budgetbee](https://jivaro.net/misc/apps/budgetbee)"
·
"This one doesn't do it by week but it has a lot of options for a webapp."
#43

Apple Numbers

4.5
(2)
"I use spreadsheets (Apple Numbers) to track my income/expense transactions."
·
"I use Apple Numbers because you can set up forms on iOS to add data."
#44

Walletly

4.5
(2)
"It has one of the most beautiful and easy to use budgeting app and most of its features are free."
·
"Try Walletly. it is an Android app and only costs $14 for a lifetime deal."
#45

Microsoft Money

4.5
(2)
"It's the best money tracking program I've ever used and it comes with a bunch of automatic reports."
·
"Although Microsoft killed the UK version in 2005 it is still better than anything."
#46

DAS Budget

4.5
(2)
"I love it, as the budgeting style works for me."
·
"Works exactly like Simple!"
#47

MoneyControl

4.5
(2)
"MoneyControl is one of the best apps I have ever used."
·
"MoneyControl"
#48

MoneyPatrol

4.5
(2)
"You can try MoneyPatrol.com, it's free."
·
"Hi, check us out at MoneyPatrol."
#49

Empower Dashboard

4.0
(2)
"I use empower dashboard."
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"Empower personal dashboard is free and works very well for me."
#50

Budgey

4.0
(2)
"Give Budgey a try. Easy to use and fits what you’re looking for."
·
"I use Budgey."
#51

Empower Personal

4.0
(2)
"I love Empower Personal Capital."
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"Empower Personal, and it's free."
#52

MoneyWiz

4.0
(2)
"I use MoneyWiz."
·
"I have been using MoneyWiz since 11 years and no complaints so far."
#53

Buxfer

4.0
(2)
"Buxfer maybe, it looks intriguing but no free trial."
·
"Buxfer"
#54

Fidelity

4.0
(2)
"If you have a Fidelity account you can use their Full View for free."
·
"Fidelity Full view works with amex cards and hysa."
#55

Fudget

4.0
(2)
"I use Fudget - it’s the simplest."
·
"Fudget 2."
#56

Simplifi by Quicken

4.0
(2)
"I found Quicken Simplifii to work best for me after trying Monarch, Pilot and YNAB."
·
"I've had a good experience with simplifi by quicken."
#57

Firefly III

4.0
(2)
"If we are talking phone apps then I recommend Firefly III."
·
"I quite like Firefly III. It's free and self hosted."
#58

Money Lover

4.0
(2)
"For ios, try money lover app."
·
"Money lover app."
#59

Moneyhub

4.0
(2)
"I found Moneyhub to be excellent."
·
"Moneyhub app."
#60

Spendid

4.0
(2)
"If you're on Android, look up Spendid on the Play store."
·
"[Spendid](https://www.spendid.xyz) is a good budgeting app for conscious, mindful spending."
#61

Boney

4.0
(2)
"Take a look at [https://boney.app](https://boney.app) ;)"
·
"Take a look at https://boney.app it's very simple to start."
#62

GetBill

4.0
(2)
"If you are in EU, try Getbill."
·
"Getbill. Simple UI and you can get item level data from receipts."
#63

Nula

4.0
(2)
"I built a free website and iOS app called Nula, which helped me take back control of my finances."
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"I built a free website and iOS app called Nula, which helped me take back control of my finances and pay off over £30k of debt!"
#64

Budgetum

4.0
(2)
"Try Budgetum, simple and free app."
·
"I use BUDGETUM, simple and free."
#65

Frollo

3.5
(2)
"Frollo app... honestly I've tried the rest."
·
"Im using FROLO at the moment. and excel."
#66

Bluecoins

3.5
(2)
"I like Bluecoins quite a bit! It's extremely customizable."
·
"Try bluecoins, confusing at first but makes sense."
#67

Credit Karma

3.5
(2)
"In addition to a budgeting app I also recommend you Use the app intuit credit karma."
·
"Credit Karma is fine if you just want to track expenses."
#68

GnuCash

3.5
(2)
"I use Gnucash. There's a little bit of a learning curve but it's the one that I prefer."
·
"I use GnuCash. No good mobile app from what I can see."
#69

Oportun

5.0
(1)
"I use oportun and have for YEARS."
#70

getsequence.io

5.0
(1)
"Check out getsequence.io!"
#71

Sesterce

5.0
(1)
"Sesterce is free and great."
#72

Cicero

5.0
(1)
"This is the best budgeting app I've tried."
#73

FinWise

5.0
(1)
"Definitely FinWise!"
#74

undebt.it

5.0
(1)
"I love and use undebt.it"
#75

Starling

4.0
(1)
"Starling handles this quite nicely."
#76

MoneyCEO

4.0
(1)
"MoneyCEO seems like a good fit to what you are looking for."
#77

Personal Capital

4.0
(1)
"Try out Personal Capital."
#78

Snoop

4.0
(1)
"Snoop isn’t bad. I’d recommend it."
#79

Tricount

4.0
(1)
"I like the app Tricount. I think it should be more popular."
#80

Toshl

4.0
(1)
"I like it well enough."
#81

Wallet by Budgetbakers

4.0
(1)
"Yes, it syncs with European Banks automatically."
#82

Spendee

4.0
(1)
"Spendee is a valid option with a lifetime plan."
#83

Bilance

4.0
(1)
"Give a try to Bilance. I have been using it for a year and loving it."
#84

Autopilot

4.0
(1)
"Autopilot is fantastic."
#85

Banktivity

4.0
(1)
"I run Banktivity."
#86

Money Wiz

4.0
(1)
"Best I have found recently is Money Wiz."
#87

Jupiter

4.0
(1)
"You can try Jupiter app it is good .."
#88

Yodlee Money

4.0
(1)
"If you want to stick with a free option, Yodlee Money is by far the best Mint replacement."
#89

Greg's Budget

4.0
(1)
"GregsBudget from the Microsoft Store because it has no subscription fees."
#90

Pocket Book

4.0
(1)
"We used to have one called Pocket Book which was the best."
#91

Jivaro's Budget Bee

4.0
(1)
"Budget Bee is web-based with no registration required."
#92

Quicken Simplifi

4.0
(1)
"Notable for its user-friendly interface and comprehensive features."
#93

Caretta

4.0
(1)
"You might want to check out Caretta: Smart Budgeting."
#94

Budget50

4.0
(1)
"I used Budget50: 50/30/20 Rule App when I started budgeting."
#95

Spendle

4.0
(1)
"I use Spendle."
#96

Budget Planner & Money Manager

4.0
(1)
"A colorful and beautiful personal budgeting app."
#97

EasyBudget

4.0
(1)
"I like EasyBudget."
#98

MyMoney

3.0
(1)
"For myself, I have a simple app (MyMoney) that I use."
#99

Finanzguru

3.0
(1)
"It does look like German version of YNAB to me."

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