Budgeting Apps reviews from Reddit

"YNAB is based on envelope-budget system -- which might not be preferred by everyone. So try to find an app with a system 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."

"Another vote for YNAB."

"Now would also recommend YNAB."

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

"YNAB saved me. It’s basically the envelope method on steroids."

"Transformed my finances. It’s linked to my bank accounts so much easier to stay up to date than with the old YNAB4."

"I’m a long-standing fully paid up YNAB evangelist. You do need to assimilate to the Borg and understand you should adapt your processes to its system, not customise it to suit you, but once you see the benefits it’s really brilliant."

"YNAB"

"YNAB all the way."

"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."

"A few great free apps that really helped me are Piere, Mint, and Goodbudget."

"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."

"I've been using Monarch for over a year and really like it. It's not free but the reports and transaction rules are great."

"I've been using Monarch for awhile now and really like it. It does everything you have bolded and has lots of charts and stuff that I don't really utilize, but it might be helpful."

"Love monarch."

"I’m tried most of the ones out there and have settled on 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."

"I love GoodBudget."

"Goodbudget and Simple budget are 2 such apps."

"Goodbudget"

"Sleek, easy, several devices for one household."

"GoodBudget has a free tier."

"A few great free apps that really helped me are Piere, Mint, and Goodbudget."

"You might also want to check out Goodbudget or PocketGuard—they’re both solid options for staying on top of your spending without adding to your expenses"

"We use Goodbudget."

"We ended up using GoodBudget."

"GoodBudget. It has an app and a web application that are linked."

"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 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 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."

"List of apps to choose from, they all have different prices plan and functions. I chose Wealth Position for flexibility. Short and long-term finance planning, future forecasting up to retirement and beyond."

"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!"

"Check out WealthPosition it's brilliant if you understand the concept behind the software."

"Try Wealth Position but it's a subscription model not free."

"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."

"I found Piere super helpful for visualizing expenses without the usual fuss."

"I’ve been using Piere recently, and it’s good for managing my finances."

"Check out Piere"

"Try Piere"

"Give Piere a try along with Wallet and YNAB."

"A few great free apps that really helped me are Piere, Mint, and Goodbudget."

"Using an app like Piere really helped me see where my money was going without feeling too complicated."

"Piere has been working great for me so far."

"I've been using Bluecoins for 3 years now."

"Agreed. blue coins is the way to go"

"Bluecoins"

"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."

"Monarch money for sure"

"Monarch is the closest I’ve found to MINT, but they’re all paid now. monarch runs $100/year. They may still be running a half off promotion. You do get a free 30 trial though."

"MonarchMoney has been great since Mint went offline."

"I have a coworker who swears by monarch money."

"Monarch Money. Annual subscription comes out to $8.33 a month. 8 months in, works for what I need."

"I’ve been really happy w Rocket money for tracking spending."

"Rocket Money has a free version of their app. It's great for tracking spending and will categorize your spending."

"I like Rocket Money."

"Rocket money."

"I really like Rocket Money."

"It's essentially the same thing, with some minor differences, but free, open-source, and selfhostable."

"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."

"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."

"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."

"For my personal use, I've been using Habit Money for quite a while now and love their budget tracker function."

"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."

"It’s really easy to use syncs with RBC and tracks everything for you automatically."

"Try Fina Money. It’s free for manual tracking and lets you easily see your daily allowance without connecting to a bank account."

"Fina Money is probably your best bet if you want something free (for manual entry) and easy."

"Fina’s multi-profile feature is great."

"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"

"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."

"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."

"But simplify is on sale rn and I got it for like 2 bucks a month and it's already been huge for my budgeting."

"I really like Simplifi."

"Simplifi or Quicken."

"Buggy still, but does a good job with letting us have separate logins."

"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."

"Fina Money will work for you. It automatically tracks everything and breaks it down clearly by categories, trends and subscriptions. It’s simple and does the job, plus it's free (for manual tracking). Works great"

"Try r/Fina Money. It tracks everything automatically, sorts your spending and shows you where your money is going. It’s simple anddoesn’t overwhelm you."

"R/Fina Money is one of the best options. It connects to your accounts auto categorizes transactions and helps you budget without the hard work. No ads no complicated setup it’s just a clean simple way to stay on top of your money."

"Check out Fina free version by connecting with Google Spreadsheet for transactions list? It does not connect UK banks, but might be a good fit for your scenario."

"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?"

"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."

"Emma finance app is the best I've found."

"I really like the app “Emma” which pulls information from my checking/savings accounts for budgeting."

"I currently use Emma, looks promising to me."

"I have used copilot for the past three years and love it."

"Copilot money probably has the cleanest and most focused app that works consistently. Down side is that it's not a feature rich as other apps, it's an apple only product, and it's $95 a year"

"Just recently found Copilot (by Copilot Money), and so far I’m really impressed. Especially for tracking to a budget."

"Moneyhub was the easiest to not just manage monthly budget but also like a wealth tracker because You can add pensions, properties and savings too."

"We offer a 6-month trial (that doesn't auto-renew!) so you can try Moneyhub genuinely risk-free so would love for you to add us to your list of those you are checking out"

"Moneyhub is another option but it’s good to see you’ve done your own research"

"Monzos features for money management are the next best thing. Custom filters, exporting data to excel - dreamy"

"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."

"Truebill is great for managing subscriptions."

"TrueBill which is not free but pretty low cost."

"Truebill is worth try."

"Centsible"

"I also built an envelope budget app called Centsible. It's one time purchase, but I can give you an extended trial."

"If you happen to prefer budgeting on mobile, check out Centsible."

"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."

"Please check Monetal - it even can parse SMS and Emails, no Ads, no IAP."

"Try Monetal - it can parse SMS or Emails on iOS."

"I'd recommend Excel. Nothing is more powerful from an analysis perspective."

"If you go the excel route, check out the budged template."

"Try Wallet by budgetbakers"

"Wallet by budgetbakers, it also offers subscription models for some premium features but free tier is sufficient for most of them"

"You might also want to check out Goodbudget or PocketGuard—they’re both solid options for staying on top of your spending without adding to your expenses"

"I really enjoy PocketGuard."

"If you only need to payoff debt, check out define your dollars."

"If you're only trying to come up with a plan manage and payoff debt, give define your dollars a shot."

"I work at Origin and our app handles this automatically and includes spending insights, bill tracking, and custom rules."

"I really like origin, it's very simple, and it has an AI which is cool too ask questions about your finances"

"I just got the Money Lover app and its like $19 for a lifetime subscription."

"Money Lover works fine for me and my wife"

"It has savings goals and budgets."

"It interacts well with banking. Has budgeting, investment tracking, liability and net worth tracking."

"It handles all types of financial accounts, is NOT a subscription."

"Once off purchase not a subscription."

"I love Realtime Budget but it might be to simple for some. At least its free with no ads and has a motivating approach"

"Realtime Budget is free and can be pretty motivating because it has a different approach, however I think it might be too simple for you."

"Has its quirks but generally meets my needs."

"We use empower for free."

"I've been using snoop and it pretty much set its self up after I connected my bank accounts. Intuitive and informative."

"I've found Snoop to be quite good so far."

"Cashew is one of the best apps out there."

"Only thing I dislike about Cashew, but which is also something that will never change, is how they handle monthly or any other reoccuring payment."

"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."

"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."

"My gf and I use an app called Splitwise."

"There are a ton of apps on the Apple store. Splitwise, Twine, RentShare."

"It doesn't require a bank connection at all."

"It's free and basic."

"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."

"Because it fits all my needs..."

"The Money Smart budget planner may help you and is very easy to use."

"MoneyLover, use it for years, highly recommended."

"OmniMoney (https://OmniMoney.app) has been super helpful for me since I suck at budgeting too lol."

"I've found it to be a great option for net worth tracking."

"I love because it's intuitive and easy to use."

"Its $8 one off cost to get the spreadsheet and you keep getting updates."

"Best Budget has been a life saver for me."

"Budget Fu is pretty good. Had a calendar view so it’s easy for forecast and budget."

"They do an end of month and on the fly analysis with several dashboards!"

"[Budget Flow](https://apps.apple.com/de/app/budget-flow-haushaltsbuch/id1640091876)"

"Use StashAway to stash away some cash on a regular basis."

"Money Control. I also bought the pro-version because all the features are useful."

"Check out Budgey. Really nice to use on web currently with an iOS app in the works"

"[Budget with Buckets]"

"Notion has budgeting templates and I use it to pretty much organize everything else in my life."

"You can check out Pocket Expense if you're on iOS."

"I use lunch money."

"BNZ break up your spending for you on their mobile app, it’s pretty good at organising the categories."

"Maybe try Simple? There’s budgeting integrated into the banking system."

"Andromoney works fine for me."

"1money :)"

"Pocket Expense Pro. Easy to use and nice interface."

"Wallet by BudgetBakers."

"Try PennySnap. This app doesn’t assume you have any card in any particular country."

"Is really good at tracking expenses, by category, and setting budgets."

"I used ISaveMoney for quite some time and it did the trick."

"It helped me gain a better overview of my finances."

"I use GregsBudget from the Microsoft Store."

"There are 3rd party apps to sync Aus banks to YNAB if you are prepared to pay."

"Give Budgetezy a go, you get a 60 day free trial."

"I use OpenBudget."

"It’s a one time cost but then it breaks everything down to the day."

"The UI is nice for me to have an overview of my finances."

"Try MoneyPatrol. It's free."

"I have been using WalletApp by BudgetBakers s.r.o. which is free."

"Plum is really good if you're wanting to save money."

"Moneymanager. the premium app is a one-time USD$4.99 payment."

"Finfluence. Customizable and very straight forward design."

"Money Manager"

"Ivy Wallet"

"Check Fin Art app, on android reads SMS and categories them automatically"

"Have you tried Peek money, I am a big fan of its AI budgeting and the automation features around spend detection and categorisation."

"The inbox and sankey graph combo helps a lot with making sense of the categories and seeing where all the money goes. i also like how low lift it feels to categorize which makes me feel less overwhelmed when i look at my expenses."

"Si estás buscando una herramienta para controlar tus gastos y presupuesto, te recomiendo probar MisFinanzasApp.com. Es una aplicación web que desarrollé para gestionar de manera sencilla tus finanzas personales."

"Check out tiller. I tried all the budgeting apps, but none did quite what I wanted. Since you’re already used to spreadsheets, the jump to tiller will not be hard and maintains your max control and customization"

"Back then I use Toshl, it can connect to CBQ"

"I've been working on an app called Moneyed."

"I’ve settled on https://ledger-cli.org. It’s not a mobile app though, and it’s very manual."

"Spendria. Not a budgeting app but more of Money Tracking."

"I use Wellspent, their backed by RBC ventures."