Best budgeting apps on Reddit
275 reviews from r/Frugal, r/personalfinance, r/PersonalFinanceCanada and 24 more subreddits
275 reviews from
and
By Brand
/By Product
#1
YNAB
4.5
(55)
"YNAB"
"YNAB all the way."
"Allows me to budget easily without spending much time on data entry."
"YNAB."
"YNAB is amazing."
"I've been using YNAB and it works well by far."
"We use YNAB, very customizable and easy to use."
"YNAB YNAB YNAB."
"YNAB. Especially since I believe mint died."
"You can export from online banking and import to the program."
#2
Mint
4.3
(21)
"I've been using mint.com for over a decade."
"I LOVE mint for this. Been using it for a few years."
"It is free, super easy for anyone to use, and fast to set up."
"I love Mint! Tracks all my credit card usage and helps me see where my spending is"
"IMO mint is the best budgeting app you could use."
"I use MINT and im very happy!! Keeps me on budget every month."
"I’ve used Mint.com for years and love it!"
"Mint and YNAB are classics worth considering."
"Mint and YNAB are classics worth considering."
"Mint by Intuit"
#3
EveryDollar
4.1
(18)
"It’s the absolute best app I’ve found to date."
"Every dollar app. It is very smooth and easy to use."
"It’s the best budgeting app I have ever used."
"We use EveryDollar, the free version."
"I use EveryDollar. It is a Dave Ramsey one."
"EveryDollar."
"I'd recommend EveryDollar budgeting app, You don’t sync accounts, but rather manually enter incoming and outgoing money throughout the month."
"Dave Ramsey free version of every dollar app"
"EveryDollar + Google Sheets."
"I use EveryDollar."
#4
PocketSmith
4.0
(10)
"PocketSmith all the way."
"PocketSmith."
"Pocketsmith is much better but didn't do fortnightly tracking."
"I use Pocket Smith."
"Pocketsmith"
"I have used Pocketsmith for nearly 2 years and have recently moved to YNAB."
"Pocketsmith and Xero both this capability"
"We enjoy the automatic information ingest for NZ banks."
"Pocketsmith is great and I believe it's a NZ made app."
"I used Pocketsmith for 2 years (paid version - was about 150NZD a year) - and to be honest, it wasn't the most user friendly so stopped using it."
#5
Monarch
4.1
(8)
"Love monarch."
"Monarch actually does it so much better that I'm ditching good ol' faithful excel."
"Once Mint shut down... I switched to Monarch and have been liking it."
"Monarch Money."
"Anybody using Monarch? Thoughts?"
"I find Monarch to be worth the price."
"While I agree the price is steep, it has been completely worth it for us."
"Monarch has been an easy transition from mint."
#6
Wealth Position
4.4
(7)
"Try Wealth Position "
"My choice is Wealth Position because it is much more flexible and I can use it for short and long- term forecasting and planning finances"
"I track all my transactions in Wealthposition!"
"I chose Wealth Position for flexibility. Short and long-term finance planning, future forecasting up to retirement and beyond."
"Wealth Position is good for tracking personal finance and budgeting."
"Check out WealthPosition it's brilliant if you understand the concept behind the software."
"Software app super customizable to your own requirement, and works differently from all other apps out there."
#7
GoodBudget
4.1
(7)
"I love GoodBudget."
"Goodbudget"
"Sleek, easy, several devices for one household."
"We use Goodbudget."
"We ended up using GoodBudget."
"GoodBudget. It has an app and a web application that are linked."
"I really like goodbudget. It's a digital version of the old cash-envelope method."
#8
Piere
4.0
(5)
"Piere is a great app for tracking expenses and saving money."
"I’ve been using Piere recently, and it’s good for managing my finances."
"Try Piere"
"Give Piere a try along with Wallet and YNAB."
"Piere has been working great for me so far."
#9
Habit Money
5.0
(4)
"I’d recommend Habit Money since it tracks spending, sends daily reminders, and provides a weekly report that shows where money is going."
"I personally use Habit Money to keep my spending in check without feeling overwhelmed."
"We ended up using Habit Money, which has been super helpful since both of us can access and update it anytime we make a purchase or payment."
"Love their daily reminder to review my spending."
#10
GnuCash
3.8
(5)
"Could be a good free and open source option, that does not require connecting external accounts as it can be all offline and local to your computer."
"I use GNU Cash to keep track of accounts."
"All free, open source too."
"GnuCash."
"GNUCash."
#11
Microsoft Excel
4.8
(4)
"Excel spreadsheets. Not even joking. There are plenty of ‘budget’ templates out there."
"Second to excel! Learn vlookup, pivot tables and graphs."
"I would suggest using excel spreadsheets instead."
"I would recommend using Excel or Google Sheets to personalize your budgeting."
#12
Rocket Money
4.3
(4)
"I’ve been really happy w Rocket money for tracking spending."
"I like Rocket Money."
"Rocket money."
"I really like Rocket Money."
#13
Actual Budget
4.0
(4)
"Actual budget has an option for end to end encryption."
"Try “Actual Budget” it recently went open source."
"If you want a cheaper alternative to YNAB."
"Is free open source software."
#14
Spendee
4.0
(4)
"After trying numerous apps 'spendee' was the best one for me, been using it for the last year"
"Spendee and Money Dashboard."
"Spendee user here for 5years now. Quite satisfied even with their free version."
"I have used Spendee since 2014"
#15
Bluecoins
4.0
(4)
"I've been using Bluecoins for 3 years now."
"Bluecoins for Android."
"BlueCoins, made by PH devs."
"I'm not using the app BlueCoins. You have to manually enter all expenses but it comes with a lot of graphs."
#16
Money Manager
4.0
(4)
"I prefer to use the Money Manager app. I have automated and categorized recurring transactions."
"I use money manager off the App Store, it’s good because if you don’t link your bank card you have to manually input every thing."
"Been using Money Manager since January!"
"Money Manager po."
#17
Copilot
4.0
(4)
"Copilot."
"Really good product with no ads and a smooth UI."
"Been using Copilot for 2 months and can honestly recommend them."
"Great app and better than mint in my opinion."
#18
Google Sheets
3.8
(4)
"I’m using Google Sheets for my financials."
"I recommend using some sort of google sheets tracker."
"Only thing I found that works for me is a good Google sheet."
"I have tried them but end up going back to using Google Sheets every time."
#19
Personal Capital
4.7
(3)
"Amazing app, also is free."
"Personal capital, best free app you could ever ask for."
"Maybe not exactly what you’re looking for, but have you checked out Personal Capital?"
#20
Wealthposition
4.3
(3)
"Brilliant tool if you understand the concept and set up everything correctly."
"Wealthposition is brilliant customizable software app, you can set it up as to your own requirement."
"Try Wealthposition ! Is a good software app to customise all your incomes, expenses, assets, liability."
#21
TrueBill
4.0
(3)
"Truebill is great for managing subscriptions."
"TrueBill which is not free but pretty low cost."
"Truebill is worth try."
#22
Simplifi
3.7
(3)
"I really like Simplifi."
"Simplifi or Quicken."
"Buggy still, but does a good job with letting us have separate logins."
#23
Up Bank
5.0
(2)
"It's made budgeting a breeze for our family because it's built into the bank."
"Look into Up Bank. You can create literally an endless supply of savers."
#24
Monetal
4.5
(2)
"Please check Monetal - it even can parse SMS and Emails, no Ads, no IAP."
"Try Monetal - it can parse SMS or Emails on iOS."
#25
Excel
4.5
(2)
"I'd recommend Excel. Nothing is more powerful from an analysis perspective."
"If you go the excel route, check out the budged template."
#26
Empower
4.0
(2)
"Has its quirks but generally meets my needs."
"We use empower for free."
#27
Moneydance
4.0
(2)
"It handles all types of financial accounts, is NOT a subscription."
"Once off purchase not a subscription."
#28
Emma
4.0
(2)
"I really like the app “Emma” which pulls information from my checking/savings accounts for budgeting."
"I currently use Emma, looks promising to me."
#29
Money Lover
4.0
(2)
"I just got the Money Lover app and its like $19 for a lifetime subscription."
"Money Lover works fine for me and my wife"
#30
Monzo
4.0
(2)
"I wish nz had monzo. It's an online bank in the UK that tracks all of your spending via the app."
"Monzo helps me keep tabs on what I’m spending on things like groceries and entertainment."
#31
MoneyNote
3.5
(2)
"It doesn't require a bank connection at all."
"It's free and basic."
#32
Aspire Budgeting
3.5
(2)
"Check out Aspire Budgeting. It’s a google sheet with an app as well."
"I like it. The free version doesn’t live connect to banks. It’s manual."
#33
Splitwise
3.5
(2)
"My gf and I use an app called Splitwise."
"There are a ton of apps on the Apple store. Splitwise, Twine, RentShare."
#34
Monefy
3.5
(2)
"I use monefy app, you track your expenses by sector (housing, food, car...). It's really simple and clear."
"I use Monefy, it is manual only and I am not comfortable linking all my banking details with other automated apps."
#35
Money Dashboard
3.0
(2)
"I didn't see what you got which Money Dashboard didn't do for free."
"Money dashboard are rebuilding from scratch. They were reasonably brilliant before the rebuild."
#36
Firefly III
5.0
(1)
"Because it fits all my needs..."
#37
Money Smart
5.0
(1)
"The Money Smart budget planner may help you and is very easy to use."
#38
MoneyLover
5.0
(1)
"MoneyLover, use it for years, highly recommended."
#39
OmniMoney
5.0
(1)
"OmniMoney (https://OmniMoney.app) has been super helpful for me since I suck at budgeting too lol."
#40
Roi
5.0
(1)
"I've found it to be a great option for net worth tracking."
#41
LunchMoney
5.0
(1)
"I love because it's intuitive and easy to use."
#42
CompiledSanity
5.0
(1)
"Its $8 one off cost to get the spreadsheet and you keep getting updates."
#43
Best Budget
5.0
(1)
"Best Budget has been a life saver for me."
#44
Cosmos
5.0
(1)
"Some other apps I love and recommend: Cosmos"
#45
Are.na
5.0
(1)
"Some other apps I love and recommend: Are.na"
#46
Medium
5.0
(1)
"Some other apps I love and recommend: Medium"
#47
Dropset
5.0
(1)
"Some other apps I love and recommend: Dropset"
#48
Atoms
5.0
(1)
"Some other apps I love and recommend: Atoms"
#49
Clay
5.0
(1)
"Some other apps I love and recommend: Clay"
#50
Stoic
5.0
(1)
"Some other apps I love and recommend: Stoic"
#51
Empty Fasting
5.0
(1)
"Some other apps I love and recommend: Empty fasting"
#52
Tangerine
4.0
(1)
"They do an end of month and on the fly analysis with several dashboards!"
#53
Budget Flow
4.0
(1)
"[Budget Flow](https://apps.apple.com/de/app/budget-flow-haushaltsbuch/id1640091876)"
#54
StashAway
4.0
(1)
"Use StashAway to stash away some cash on a regular basis."
#55
Money Control
4.0
(1)
"Money Control. I also bought the pro-version because all the features are useful."
#56
Budgey
4.0
(1)
"Check out Budgey. Really nice to use on web currently with an iOS app in the works"
#57
Budget with Buckets
4.0
(1)
"[Budget with Buckets]"
#58
Notion
4.0
(1)
"Notion has budgeting templates and I use it to pretty much organize everything else in my life."
#59
Pocket Expense
4.0
(1)
"You can check out Pocket Expense if you're on iOS."
#60
Expanager
4.0
(1)
"Expanager is a very good option for tracking expenses."
#61
Fina Money
4.0
(1)
"Fina’s multi-profile feature is great."
#62
Lunch Money
4.0
(1)
"I use lunch money."
#63
BNZ
4.0
(1)
"BNZ break up your spending for you on their mobile app, it’s pretty good at organising the categories."
#64
Simple
4.0
(1)
"Maybe try Simple? There’s budgeting integrated into the banking system."
#65
Andromoney
4.0
(1)
"Andromoney works fine for me."
#66
1money
4.0
(1)
"1money :)"
#67
Define Your Dollars
4.0
(1)
"If you're only trying to come up with a plan manage and payoff debt, give define your dollars a shot."
#68
Monarch Money
4.0
(1)
"Monarch Money. Annual subscription comes out to $8.33 a month. 8 months in, works for what I need."
#69
Pocket Expense Pro
4.0
(1)
"Pocket Expense Pro. Easy to use and nice interface."
#70
Wallet by BudgetBakers
4.0
(1)
"Wallet by BudgetBakers."
#71
PennySnap
4.0
(1)
"Try PennySnap. This app doesn’t assume you have any card in any particular country."
#72
Revolut
4.0
(1)
"Is really good at tracking expenses, by category, and setting budgets."
#73
ISaveMoney
4.0
(1)
"I used ISaveMoney for quite some time and it did the trick."
#74
Budget 50/30/20
4.0
(1)
"It helped me gain a better overview of my finances."
#75
PocketGuard
4.0
(1)
"I really enjoy PocketGuard."
#76
GregsBudget
4.0
(1)
"I use GregsBudget from the Microsoft Store."
#77
BankSync
4.0
(1)
"There are 3rd party apps to sync Aus banks to YNAB if you are prepared to pay."
#78
Budgetezy
4.0
(1)
"Give Budgetezy a go, you get a 60 day free trial."
#79
OpenBudget
4.0
(1)
"I use OpenBudget."
#80
Today’s Budget
4.0
(1)
"It’s a one time cost but then it breaks everything down to the day."
#81
NerdWallet
4.0
(1)
"The UI is nice for me to have an overview of my finances."
#82
MoneyPatrol
4.0
(1)
"Try MoneyPatrol. It's free."
#83
WalletApp
4.0
(1)
"I have been using WalletApp by BudgetBakers s.r.o. which is free."
#84
Centsible
4.0
(1)
"If you happen to prefer budgeting on mobile, check out Centsible."
#85
Plum
4.0
(1)
"Plum is really good if you're wanting to save money."
#86
MoneyManager
4.0
(1)
"Moneymanager. the premium app is a one-time USD$4.99 payment."
#87
Finfluence
4.0
(1)
"Finfluence. Customizable and very straight forward design."
#88
Capital One
4.0
(1)
"I have capital one and use every dollar."
#89
Akahu API
4.0
(1)
"Https://www.akahu.nz has a free for personal use API for almost all major NZ banks - they are used by PocketSmith now also."
#90
Compiled Sanity
4.0
(1)
"I use Compiled Sanity's Finance Spreadsheet + Budgeting With Buckets (importing transaction CSVs)."
#91
Budget Trackers
4.0
(1)
"Check out these past posts in this sub regarding budget trackers."
#92
Toshl
3.0
(1)
"Back then I use Toshl, it can connect to CBQ"
#93
Moneyed
3.0
(1)
"I've been working on an app called Moneyed."
#94
Ledger
3.0
(1)
"I’ve settled on https://ledger-cli.org. It’s not a mobile app though, and it’s very manual."
#95
Spendria
3.0
(1)
"Spendria. Not a budgeting app but more of Money Tracking."
#96
Buxfer
3.0
(1)
"But haven't found any solution that integrates well with banks here."
#97
Frollo
3.0
(1)
"I used Frollo when i was paid fortnightly, but it was buggy."
#98
Wellspent
3.0
(1)
"I use Wellspent, their backed by RBC ventures."
#99
Wise
3.0
(1)
"But in the past I used Wise as my main spending account as they"
#100
Budgeting Apps
3.0
(1)
"If you want something free, your biggest consideration should be, how many accounts does the free app allow you to have?"
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