Best budgeting app on Reddit

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

582 reviews from

and

By Brand

By Product

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."

"Just pay the money and go with YNAB off the bat."

"YNAB"

"YNAB!!! There’s a great sub dedicated to it - r/ynab"

"100% YNAB. Life changing method & fantastic app."

"Has literally changed my financial life in the best way possible."

"YNAB is my favorite option if you can afford the yearly cost."

You Need A Budget

4.9

(55)

"YNAB is absolutely the place to start."

"YNAB"

"YNAB is the absolute best."

"YNAB."

"Ynab!"

"YNAB. I love it."

"I use YNAB now and find it helps a lot."

"I’ve used YNAB for years and love it."

"You Need A Budget."

"Many in the subreddit say YNAB has been extremely helpful and 'life changing' and worth the price."

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."

"Monarch Money is my choice, ever since Mint shut down."

"Monarch is amazing!"

"We use Monarch Money."

"This is pretty much what my wife and I like about Monarch."

"Monarch has been the best value for me and my fiancé."

"Monarch is the best I’ve found."

"Give monarch a shot for free 30 days."

"Apple Card have been flawless on Monarch."

Rocket Money

3.9

(24)

"Rocket Money is hands down a life saver."

"It's great for tracking spending and will categorize your spending."

"Their free version is surprisingly robust."

"I personally didn't like YNAB and switched to Rocket Money."

"I bit the bullet and got rocket money."

"I use rocket money personally and it’s done right by me."

"We use Rocket Money. It's been pretty good."

"I tried out rocket money and it’s a really nice app."

"I love the rocket money app to track budget and spending."

"Rocket money is great."

Monarch

4.3

(22)

"Is the best Currently 50% off for your first year."

"Monarch is my fav app i have ever used for budgeting."

"Monarch is fantastic."

"We use Monarch for our business."

"Monarch! I’ve loved it the last year."

"I feel it’s better than mint for a lot of reasons."

"User interface is great, pretty customizable, and haven’t had any account link issues."

"In the end, Monarch Money came out on top for me."

"Monarch is what we use."

"I use Monarch."

EveryDollar

4.0

(22)

"I use everydollar and pay for the premium version."

"I love EveryDollar by Dave Ramsey"

"Every dollar is my fave! Free and you enter each thing manually."

"Every Dollar’s free version is pretty good."

"I am curious myself if anyone has tried Every Dollar."

"Every Dollar is free."

"What I liked about it was it has a really flexible ability to set categories and separated incomes."

"EveryDollar! It’s zero-based budgeting and is free for manually tracking income and expenses"

"Every dollar app is good"

"If you like not having to pay for an app, I find Every Dollar to be the best free option."

Wealth Position

4.2

(19)

"Try Wealth Position really good for budget planning."

"Wealthposition is another brilliant app to try."

"Wealthposition brilliant software tool customizable to your own requirement."

"I chose Wealth Position for price and flexibility."

"Try Wealth Position really good for budget planning."

"I micro manage my finances and chose Wealth Position for flexibility."

"I chose Wealth Position for flexibility. Short and long-term finance planning."

"I chose Wealth Position for flexibility. Short and long-term finance planning, future forecasting up to retirement and beyond."

"I chose Wealth Position for flexibility. Short and long-term finance planning."

"Wealth Position is good for customizing everything to your own requirement."

Copilot

4.3

(18)

"I use copilot now and it’s got the best user interface."

"We use the Copilot app and have really enjoyed it."

"Co-pilot! For iOS only, but really great for categorizing and budgeting."

"Copilot is what I ended up with."

"Copilot money has delivered for me since I left mint."

"Copilot does allow you to see which account the transaction came from."

"Copilot or monarch depending on your use cases / what you value."

"So easy to set up and things don’t randomly disconnect."

Copilot Money

4.6

(14)

"If you're in the Apple ecosystem, I love love love Copilot Money."

"Copilot Money freakin’ rocks."

"I like to use copilot."

"I’d recommend Copilot."

"I recently switched to copilot and i LOVE it."

"I use Copilot. I tried YNAB and it was just not a good fit for me."

"I switched from YNAB (after 8 years) to copilot and have been really impressed."

"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."

"Copilot Money."

#10

Google Sheets

4.5

(11)

"I found a free Google Sheet template someone else created."

"We use a shared spreadsheet on Google sheets actually and I love it."

"Google Sheets. What if your favorite budgeting app goes away?"

"WhatsApp group supplement by Google sheet."

"Google Sheets is life."

"If you’re manually entering data anyway just use google sheets."

"Pretty handy and lots of support across devices."

"I do honestly find that a google sheets planner was the best & using cash as my ‘spending money’."

"Personally I just use a google sheets budget, it's online and cross platform."

"I use Google Sheets."

#11

Quicken

3.6

(13)

"I’ve tried a lot of others and nothing has the full functionality and features of Quicken."

"Quicken Simplifi!"

"Quicken simplify was 20$ a year."

"I've been using Quicken Simplifi for a few weeks and really like it."

"Quicken simplifi."

"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."

"I'm still a huge Quicken Deluxe fan."

"I sure miss the early days of Quicken."

"Quicken Desktop is great in theory."

"Quicken Desktop."

#12

Fina Money

4.5

(10)

"Way better than spreadsheets or paid apps that don’t do much more."

"It’s super easy to use and doesn’t force a monthly budget when you’re at zero."

"I’d recommend u to try Fina Money."

"Fina Money is a great option for tracking recurring expenses."

"You should try Fina Money. It works for zero based budgeting."

"Fina Money is a great option to check out. It’s super easy to use helps you track your spending."

"It’s pretty simple to use works great and lets you link all your accounts in one place."

"Try Fina Money, the sub r/fina for more discussions."

"Fina Money’s multiple profiles feature may be helpful."

"Also check out FINA, but I haven't tried it yet but seems cool."

#13

Centsible

4.0

(11)

"Centsible is exactly this."

"I am using an app called Centsible. Fits your pricing requirements and has CSV import."

"Try out Centsible."

"I also built an envelope budget app called Centsible."

"I built an envelope budgeting app called Centsible."

"I built an envelope budget app called Centsible."

"I use Centsible."

"Centsible is envelope budgeting. Mobile only."

"Centsible is a good alternative to ynab."

"I use Centsible with my wife. Envelope budgeting and syncs between devices."

#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."

"Give Quicken Simplifi a try."

"I wouldn't miss out on Simplifi for that reason."

"I really like Watchlists, the Spending Plan is pretty good."

"I use simplifi"

"I have been using Simplifi by Quicken for nearly two years now and really enjoy it."

"It's grown on me since Mint died."

"I tried both Monarch and Simplifi (from Quicken), but ended up canceling Monarch."

#15

Lunch Money

4.0

(10)

"Rave about Lunchmoney app."

"Loving lunch money, best value I have so far."

"I'm the founder/engineer behind it."

"Lunch Money has a collaboration feature works for couples."

"I'm currently researching Lunch Money... So far my favorite of all the options."

"I use Lunch Money."

"I use the Lunch Money App."

"It's got multi-currency support and is run by a solo female entrepreneur."

"Lunch Money has a way to add a category to exclude certain transactions."

"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."

"Took some time to figure out how to set it up, but it looks pretty good right now."

"Quite happy with Pocketsmith and is multi-currency."

"I have had the best success with Pocketsmith."

"I am testing out pocketsmith at the moment."

"Pocketsmith"

"I've been using Pocketsmith for years and it's worked well for me."

#17

Goodbudget

3.9

(9)

"I like GoodBudget."

"It’s free and it’s envelope style budgeting that just makes sense for me."

"Goodbudget."

"Goodbudget. Been using it for over ten years"

"I love GoodBudget, it is the same envelope system as YNAB."

"I used an envelope based app called Goodbudget."

"Free version has a certain number of "envelopes" for categorizing spending."

"It's VERY simple and scaled down compared to a lot of others."

"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."

"I would suggest giving Habit Money a try."

"The best one I’ve used is Habit Money."

"For my day-to-day budgeting and expense tracking I use Habit Money."

"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."

"Neontra is a good option too."

"Neontra has a free option if all you want is manual entry."

"They use Plaid and Flinks."

"You can try for free without credit card for 90 days."

"Neontra. Closest thing to Mint out there."

#20

NerdWallet

4.3

(7)

"NerdWallet. Free. Links to every account."

"I have used NerdWallet for over a year. It’s free, connects to all of my accounts/cards."

"Nerd Wallet has a decent one. It allows you to link bank accounts."

"Just downloaded NerdWallet to track spending and it's great so far!"

"NerdWallet free version is excellent."

"I'm currently using nerdwallet, which is free and basically decent."

"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."

"Excel spreadsheets are the way to go."

"I found a video on YouTube on how to create a budget tracker in Excel for free."

"Excel."

"I also have a budget spreadsheet and have the rough date of the month for stuff outside of that."

"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."

"Mint is awesome but unfortunately, at the end of the year they will no longer exist."

"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."

"I would recommend Actual Budget because they allow bank sync with European and North American banks."

"I'm using Actual Budget which is pretty much the same but less fancy."

"Just started using Actual Budget and so far pretty impressed."

"Is a great, free ynab4 alternative."

"ActualBudget and Liquid Budget as alternatives."

"Actual Budget is similar (but worse imo) and much cheaper."

#24

Piere

4.0

(6)

"Piere has been a game-changer for me."

"I use an app called Piere and it’s free."

"Piere is a cool alternative I recently tried."

"I’d recommend giving Piere a try."

"Piere."

"/r/piere works with all fidelity type accounts."

#25

Empower

4.0

(6)

"Empower is free, and syncs to your accounts."

"Empower Personal is free and is my replacement for Mint."

"I found it to be the best free app out there."

"Is free."

"I use Empower to import all transactions."

"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."

"Loooove tiller so much. Can’t recommend highly enough."

"Tiller Money has been a godsend for us!"

"I can’t recommend Tiller enough."

"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."

"Try WealthPosition it's super customizable to your own requirement."

"Wealthposition is good."

"The app is really good you don't need to connect to the bank."

"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."

"I’ve been using fidelity full view and have been very happy with it."

"Fidelity FullView."

"Fidelity Full View is pretty decent, and it is free."

"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."

"Try money manager."

"I like MoneyManager."

"I recommend Money Manager (free of use with advertisements)."

"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."

"When I had an iPhone I used Buddy and love loved it."

"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."

"[Budgety ](https://link.mybudgety.com/app). It's made in canada."

"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."

"Actual budget"

"YNAB has the best philosophy, but I loathe not owning my data."

#35

Fina

4.0

3.5

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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