Budgeting Software reviews from Reddit

Summary

We analyzed 335 Reddit reviews across 33 subreddits and 92 posts to rank the best Budgeting Software brands recommended by redditors, including communities like r/personalfinance, r/PersonalFinanceCanada, r/UKPersonalFinance, r/Frugal, r/budget. Top-rated brands include YNAB (4.6/5), Mint (3.8/5), Quicken (3.8/5).

Stats

Reviews335

Subreddits33

Posts92

Brands93

Products13

Top communities

r/personalfinance89 r/PersonalFinanceCanada51 r/UKPersonalFinance25 r/Frugal25 r/budget23

335 reviews from

and

By Brand

By Product

YNAB

4.6

(54)

"It handles bank balances, transfers between accounts, and credit cards easily."

"I love YNAB."

"Great desktop functionality (as well as mobile)."

"I’d start with YNAB if you willing to pay."

"It’s fantastic."

"3rd recommendation for YNAB."

"It works best when you do all your shared spending from shared accounts."

"YNAB, EveryDollar, FaithFi"

"YNAB (You Need a Budget). Working wonders for me."

"You are able to put money at bills as far out as you can."

Mint

3.8

(38)

"Was critical to getting my FAT-living household in order."

"I use mint. It has been life altering."

"I strongly suggest Mint as well, it's free."

"Mint.com. Ties into your bank accounts (if you want it to), your taxes... literally anything you want. It's got apps for every OS (desktop and mobile)... Truly the best budgeting solution I've ever seen."

"Is good for personal budgeting."

"Go use mint. Free."

"Is what I use, also track net worth on there."

"It gives me the right high-level overview."

"Mint is free and pretty good."

"I have one app for automatic syncing of transactions (mint), one where I manually enter transactions and still budget (lotus budget)..."

Quicken

3.8

(18)

"Quicken; none better."

"I've used Quicken for a very long time; so long ago that updates were via a CD in the mail."

"Quicken is probably the most feature rich of the personal finance apps but it does have its issues and it’s sort of a steep learning curve."

"I use Quicken, which seems to have a similar feel to copilot."

"I’ve used Quicken for several decades, not free. But it works."

"I am a fan of Quicken, not the cheapest option but I am happy with it."

"Quicken for Windows offers multi currency support."

"Personal finance software like Quicken has a budgeting tool embedded in it."

"I’ve been using it since I switched from Microsoft Money (RIP) and, some clunkiness & cost aside, it’s customizability puts it way above any of the free sites."

"I think Quicken is still best at this."

EveryDollar

3.8

(17)

"We use Ramsey EveryDollar and have loved it! Worth checking out for sure"

"Capable of performing those actions."

"EveryDollar. You can pay to have it autocaregorize bank purchases to your budget and I love it."

"I used to use EveryDollar app for years."

"I use free version of Every Dollar. It’s by far my favorite."

"EveryDollar. I have used the free version for exactly two years this month."

"By Dave Ramsey."

"Is similar to YNAB as it is a zero based budget."

"Everydollar.com"

"This year I'm graduating myself to Every Dollar (free version)."

You Need A Budget

4.6

(11)

"Personally I use YNAB. The new version does allow you to connect to your bank accounts, but doesn't require it."

"If the goal is to get your spending under control focus on ynab, which is purely a budgeting service."

"I've been using YNAB for years. It's pretty much perfect imo with only a few annoyances but for your average person, it'll work just fine."

"I have YNAB, and love YNAB. I've used custom Excels and Google Spreadsheets in the past, and they were good as well. I prefer YNAB because it is prettier, and easier to use for multiple people."

"You Need a Budget is hands-down my favorite budgeting software. Buy it, buy it now. It will save you more than you spend on it, trust me."

"I've been running YNAB 4 in a windows XP virtual machine (virtualbox) on my linux workstation. I waited until it showed up on a steam sale and picked it up for like $16 4 months ago, well worth it so far!"

"I really like and enjoy YNAB."

"I've been using YNAB for a few years now and it has changed the way I think about money. ... Following their methods has allowed me to pay off $35,000 in debt in 20 months"

"YNAB. There's a 31-day trial."

"YNAB (You Need A Budget, google it) is really good if you have the money."

GnuCash

3.4

(14)

"Gnu cash"

"R/GNUCash can do it."

"There is GnuCash which is a GUI application but you might think it looks a bit dated."

"GNUCash is what I use. It is less budgeting and more finance."

"But gnucash is probably more focused."

"Personally I use GnuCash."

"Gnucash is cool. Takes a bit of getting used to... but I swear by it now."

"Gnucash"

"Please include the following to your list: Quicken, GNUCash, MSFT Money Deluxe."

"I use GnuCash for tracking my spending. It's not very intuitive at first, but once you get the hang of it, it's not so bad."

YouNeedABudget

4.7

(9)

"YNAB - it’ll force you to budget money you have, rather than money you project you’ll have."

"If you've tried lots of stuff and failed, you should give /r/ynab (ynab.com) a try."

"R/YNAB"

"The two I’ve found to be best are YNAB (You Need a Budget) and Copilot Money."

"R/YNAB is hands down one of the best. It’s active budgeting vs tracking."

"I'm sticking with ynab for now (even at $84/year)."

"I've been getting ads for YNAB and been thinking about switching over to that for a bit and see if I prefer it."

"Youneedabudget"

"YNAB 4 for the budgeting (I think nYNAB has goal planning)."

Excel

4.8

(8)

"You can make it do whatever you want and it doesn't cost anything."

"Excel recently added a Plaid add-on, meaning you can connect to your bank account."

"There’s tons of apps but I have to say I love excel."

"Can’t beat an Excel spreadsheet."

"I use the free excel app, they have a budget template."

"I'd suggest Excel too, because you can build exactly what you're looking for."

"One con is you have to learn Excel but a pro is you learn excel!"

"Just use Excel. You probably already have it on your computer."

Lunch Money

4.3

(8)

"It’s Canadian and it supports accounts in multiple currencies."

"Made by a Canadian."

"I use lunch money."

"Https://lunchmoney.app/ Web based - pay what you want, starting at $40/year. Nice interface. Good support."

"I am paying that and enjoying Lunch Money!"

"I plan on testing both Neontra and Lunch Money for a year to see which one is the best."

"I’ve switched to Lunch Money since then, much better."

"Lunch Money."

#10

Monarch

4.4

(7)

"I've been extremely happy with it so far. It's everything Mint was (except that it's not free), but better."

"Highly recommend Monarch Money...closest thing to Mint and it's so much better!"

"Just imported 9000 transactions to monarch. Smooth as butter. Am very impressed."

"Monarch is great and gets better all the time with update features."

"You can try Monarch Budget with my link for a 30 day trial."

"Was my favorite."

"User here, and yes, it will make the Sankeys."

#11

Microsoft

4.3

(7)

"Oldie but still a goodie in my opinion is Microsoft Money, still the best at future cashflow forecasting in my opinion."

"Super secure, it's offline!"

"I still use Microsoft Money, it is now end of support but you can probably find the free sunset version online."

"After struggling with most budgeting software; finding it difficult to on-board (YNAB, Moneywell, etc) I just adopted a spreadsheet with some simple buckets/envelopes and it’s been great."

"You could try Microsoft Money Sunset Edition which is no longer updated but is a free download and still does the job"

"I think your best bet would probably be Excel. You can use OpenOffice, LibreOffice, Microsoft Excel, Google Spreadsheets. They're all pretty cross-compatible with .xls files and are quite powerful."

"Microsoft Excel. No need to share your confidential information with the latest startup. Keep it on your computer."

#12

Google Sheets

4.1

(7)

"Google Sheets. I just dump credit card data in every month and sort, takes five minutes. And free."

"I highly recommend a spreadsheet."

"There are hundreds of templates available online."

"Otherwise a budget is done on google sheets, just manually set it up and monthly dump in the actual to see how we’re going."

"Just download a nice budget spreadsheet online and track it via Google Sheets or Excel."

"Google sheets. And it's free."

"A google spreadsheet."

#13

Showbiz

3.8

(6)

"Showbiz is great!"

"Showbiz is by far my preference for my current field."

"I've come to really enjoy Showbiz for smaller shoots."

"Try out Showbiz. It's incredibly straightforward for commercials and smaller work."

"I strongly suggest taking a look at Showbiz Budgeting - it does everything MMB does and much more."

"I started out on Movie Magic, and good lord, but that was a nightmare!"

#14

Wealth Position

4.2

(5)

"Everything is customizable to your own requirement."

"Try Wealth Position . All software work slightly differently, so no harm in trying different app to see which one works best for your need."

"It works differently to ynab and cheaper."

"Try Wealth Position, if you understand the concept behind tool it can be a life changer."

"Works differently to other budgeting sites."

#15

Microsoft Excel

5.0

(4)

"Once it's set up it's perfectly catered to your own needs."

"Nothing compares to excel imo. so handy, simple, and so so many good functions."

"Step 1: minimize all of your bills by shopping for the best rate."

"That's what I've done, listing each bill, who it is, when it's due."

#16

HomeBank

3.4

(5)

"I use HomeBank, it’s free and very good for categorisation & reporting."

"Homebank. I too have used GNUCash and it wasn't super great for my needs."

"The only way I can achieve what I want is to use HomeBank."

"HomeBank seems to be the best pick at the moment."

"I like HomeBank, but then again that is because it came with my Linux distro so I used it out of because it is there, already."

#17

Copilot

4.3

(4)

"I’ve been using copilot for about a year to organize my finances and love it."

"If you're struggling to take control of your money, try something like YNAB or Habit that spoon feeds you to get you on a good path."

"Nice interface."

"It's a beautiful app for phone so I don't mind paying a little for their service."

#18

Firefly III

4.0

(4)

"Firefly 3, open source, you deploy it via docker and it full web based!"

"I use Firefly III but it's self-hosted."

"Free and open source."

"It’s free, open source and self-hosted."

#19

GoodBudget

3.8

(4)

"I use Goodbudget and love it!"

"Good Budget"

"Fewer features than YNAB."

"They have a free version."

#20

Habit

5.0

(3)

"With the tools, I recently started using Habit and it's really shown me I was not using my money nicely."

"Habit literally changed my life. The daily forcing function of reviewing my spending has been the only thing that's ever kept me accountable to a budget."

"Habit Money is another great tool to keep your finances in order."

#21

Personal Capital

3.8

3.7

3.5

3.0

(1)

"Buddi"

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