Budgeting App reviews from Reddit

"I am a YNAB guy for years now."

"YNAB is fantastic for helping you assign a job to every dollar."

"Ynab"

"YNAB is one of my non-negotiable subscriptions. It's helped me get from crippling debt to DMP to doing alright to looking to FIRE."

"Great tool, I used it for years!"

"I have to say /r/ynab. It’s not set and forget like most apps, which is why it works. It makes you actually conscious about your spending."

"YNAB is based on envelope-budget system -- which might not be preferred by everyone. So try to find an app with a system (this or zero-budget, etc) that works best for you."

"YNAB is so good. I've been using it for at least 7 years now. It's actually better not to use the bank integration because this makes you more conscious about the state of your budget with every transaction made."

"YNAB is great. Just a couple of months after I started using it, I paid off my smallest student loan."

"Only thing is… there’s a steep learning curve for it. Definitely not an app you can pick up & go BUT! Once you get the hang of it, definite lifesaver."

"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 is really the best IMO. I use it daily."

"We use Monarch in our business and we love it, our clients do too. once you set up the rules and categories based on how you want to track things, it monitors cash flow really well."

"Monarch is the best in my experience. The only platform that syncs all my accounts without issue."

"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."

"EveryDollar is best"

"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."

"I like using Mint or EveryDollar. Both are easy to navigate and great for beginners"

"I like EveryDollar. I do have the premium version though. The ability to connect to my bank so transactions flow over automatically is critical for me."

"I really enjoy every dollar."

"Which app you use doesn’t matter. We use everydollar because we do Dave. That’s the only reason. Since we use it, it works."

"I’ve been using every dollar since it came out, only the free version. I used Mint before and it was better but they went under or got bought out, I don’t remember but it was discontinued."

"I tried YNAB for two years and just couldn’t quite figure it out. I use EveryDollar and manually add each transaction which is so much easier for me."

"Rocket Money is hands down a life saver."

"I use the free version of Rocket Money and I like it for the most part."

"Rocket money is the best"

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

"I use Rocket Money for budgeting."

"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."

"Wealth Position really good for customized dashboard, short and long term finance planning, 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"

"Wealth Position really good for customized dashboard, short and long term finance planning, 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"

"Try Wealth Position really good for customized dashboard, short and long term finance planning, 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"

"Try Wealth Position really good for short and long term finance planning, 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."

"WealthPosition.com really good for short and long term finance planning, 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 use 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."

"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."

"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."

"It's super simple plus it's perfect if you're just starting out with budget. it works well if you’re balancing school and other expenses. It automatically tracks your spending and you can get started easily. Works great for me"

"Use r/Fina Money. It's simple and does what you need. Start by tracking your spending and setting basic budgets."

"Fina Money is great. It tracks spending and lets you set up a budget in one place. It’s simple to use and free."

"It’s free (for manual use), super simple and is great for zerobased budgeting. You can set up your full budget, track all your expenses and plan debt payoff in one place."

"If you're juggling multiple income streams Fina Money is worth checking out. It’s simple, and keeps everything in one place."

"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."

"Fina Money is your best bet. It lets you manually enter transactions instantly so you always know exactly where you stand no waiting for banks to update. Plus it’s free and doesn’t force account linking like other apps."

"I’d recommend u to try Fina Money."

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

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

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

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

"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."

"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."

"My recommendation now, is Actual Budget, which follows the same budgeting philosophy as YNAB."

"It's the best budgeting software I've ever used."

"I'm now using actual which is great."

"Actual budget"

"I use actual budget too. It does cost way less than 1.50 a month. It’s free."

"Actual budget. Coats less than 1.50 a month, but you need to be a bit tech savvy to get it running."

"I like YNAB, but it isn't free any more so I use Actual Budget and host it on my own server."

"ActualBudge. Its basically an open-source alternative to YNAB with some nice features on top."

"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."

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

"Quicken Simplifi has been great for my wife and me."

"Quicken Simplifi is a great choice for “seeing what’s left” or the impact of your spending. They use a spending plan, rather than a traditional budget."

"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."

"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."

"Rave about Lunchmoney app."

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

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

"Lunch Money Webapp"

"I’ve been using LunchMoney, and what I realized is that I don’t actually care about tracking my exact account balances—I just want to know where my money is going."

"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."

"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."

"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."

"Goodbudget is the envelope system. You basically enter how much you got paid and which ‘envelope’ you’re funding."

"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."

"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."

"I like using Mint or EveryDollar. Both are easy to navigate and great for beginners"

"Mint is easy to use and gives a clear overview of your finances"

"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."

"Neontra. It’s free and made in Canada."

"Try Neontra. It's free. I switched to them a month ago and really like it."

"I’m a paying subscriber and think it’s definitely worth the fee."

"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."

"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."

"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."

"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."

"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."

"Take a look at empower.com. Their dashboard is free and shows you every balance, holding position, and transaction in your schwab account."

"Is free."

"I use Empower to import all transactions."

"Best free option is empower/personal capital."

"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."

"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."

"Moneyhub is definetely the best."

"Money hub is absolutely the best budgeting app."

"Moneyhub. There's some talk it's getting discontinued but I don't think the future is that clear yet"

"I found Moneyhub to be excellent."

"Moneyhub app."

"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."

"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."

"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."

"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."

"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."

"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."

"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."

"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."

"It is simple, and helps you track what you need to keep in your accounts for bills."

"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."

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

"I tried YNAB, quicken/books, and EveryDollar...just couldn't track my budget the way that made sense to me except in Excel."

"Excel (I'm not kidding)"

"Go old school and use excel."

"I created Heron because I couldn't find anything that handled the way I thought about money."

"Have a look at Heron."

"Heron allows you to use Plaid or not."

"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"

"I have paid for Cashew."

"I REALLY like Cashew."

"Dime is beautiful app for managing expenses"

"Dime! Been using it since 2022."

"Try Dime no data collection whatsoever. It’s pretty simple."

"I've been using Wallet by Budget Bakers since 2018."

"Been using Wallet since 2018."

"I suggest Wallet by BudgetBakers."

"Try Budgetum — it’s free and might work well for you."

"Try Budgetum, simple and free app."

"I use BUDGETUM, simple and free."

"Use this, I am using it."

"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."

"[https://jivaro.net/misc/apps/budgetbee](https://jivaro.net/misc/apps/budgetbee)"

"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."

"I use Gnucash. There's a little bit of a learning curve but it's the one that I prefer."

"GnuCash for accounting."

"I use GnuCash. No good mobile app from what I can see."

"It's like chatGPT for budgeting, but also saves the data in graphs as you talk with it. Can also connect multiple bank accounts, and track spending."

"I use BudgetGPT.io, which is basically ChatGPT for budgeting."

"A free smart budgeting app that helps you track your expenses, plan recurring transactions, and manage your money easily."

"Caretta, a free smart budgeting app that helps you track your expenses, plan recurring transactions, and manage your money easily."

"MoneyControl is one of the best apps I have ever used."

"MoneyControl"

"It helps me to stay inside my budget, but I don't know if it meets your needs."

"I think it's Realtime Budget. 100% free and no ads."

"Aspire budget provides an awesome Google sheet template."

"Aspire budget"

"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."

"Snoop is top tier. Allows you to set budgets for different categories and once setup right, tracks your transactions and auto categorises."

"Snoop isn’t bad. I’d recommend it."

"I love it, as the budgeting style works for me."

"Works exactly like Simple!"

"Highly highly recommend Toshl, it's super easy to use, very intuitive, you can build budgets into if if you want and you can use the app version or the web version as well."

"I like it well enough."

"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."

"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."

"You can try MoneyPatrol.com, it's free."

"Hi, check us out at MoneyPatrol."

"Give Budgey a try. Easy to use and fits what you’re looking for."

"I use Budgey."

"I use empower dashboard."

"Empower personal dashboard is free and works very well for me."

"I love Empower Personal Capital."

"Empower Personal, and it's free."

"If you are in EU, try Getbill."

"Getbill. Simple UI and you can get item level data from receipts."

"For ios, try money lover app."

"Money lover app."

"Buxfer maybe, it looks intriguing but no free trial."

"Buxfer"

"I use Fudget - it’s the simplest."

"Fudget 2."

"I built a free website and iOS app called Nula, which helped me take back control of my finances."

"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!"

"If you have a Fidelity account you can use their Full View for free."

"Fidelity Full view works with amex cards and hysa."

"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."

"I use MoneyWiz."

"I have been using MoneyWiz since 11 years and no complaints so far."

"Take a look at [https://boney.app](https://boney.app) ;)"

"Take a look at https://boney.app it's very simple to start."

"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."

"If we are talking phone apps then I recommend Firefly III."

"I quite like Firefly III. It's free and self hosted."

"Frollo app... honestly I've tried the rest."

"Im using FROLO at the moment. and excel."

"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."

"I like Bluecoins quite a bit! It's extremely customizable."

"Try bluecoins, confusing at first but makes sense."

"Super easy to use and helps you stay on top of your finances."

"It’s free to use... fully private with transaction encryption."

"Zeta is an option that is free. Track bills, envelope budget, and save."

"It uses 'zero based budgeting' which is the best imo but has a pretty steep learning curve."

"I use the free template offered by DebtFreeMom.co."

"I love HomeBudget."

"It's a native Mac app, good for budgeting and great for forecasting."

"I use a combination of Google Sheets and an app called Debit/Credit."

"Yea, I use Simple budget."

"I find Finances 2 excellent but it's only for Macintosh/iOS devices."

"In the end, I wrote an app for myself (I'm a programmer). [Mas Money]."

"MoneyThings for me."

"Monefy."

"Budget Bee is web-based with no registration required."

"I’ve used checkbook for about 12 years."

"MoneyStats works well for me and reasonable."

"[Vertex42] has some great free budgeting spreadsheet templates."

"Give [financier.io] a try."

"Right now I use fast budget in the premium version."

"Starling handles this quite nicely."

"MoneyCEO seems like a good fit to what you are looking for."

"Try out Personal Capital."

"If youre looking to share finances with your partner, you might like Fyenance."

"I like the app Tricount. I think it should be more popular."