Budgeting Tool reviews from Reddit
Summary
We analyzed 185 Reddit reviews across 18 subreddits and 38 posts to rank the best Budgeting Tool brands recommended by redditors, including communities like r/personalfinance, r/UKPersonalFinance, r/retirement, r/budget, r/PersonalFinanceCanada. Top-rated brands include You Need A Budget (4.5/5), Mint (3.8/5), Ynab (4.8/5).
Stats
Reviews185
Subreddits18
Posts38
Brands68
Products17
185 reviews from
and
By Brand
/By Product
#1
You Need A Budget
4.5
(33)
"We’re just entering our second year on it and don’t think I’ll go back, having tried a couple of others!"
"It’s great - watch some videos and check out /r/YNAB for some tips to get you started."
"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."
"You should give /r/ynab a try."
"I've been using YNAB for many years and watched it grow from an Excel based app to a full blown online zero based envelope budgeting system software. It changed the way I budget."
"I use YNAB for my revolving day to day/annual spending. Couldn’t be happier."
"YNAB is very, very good."
"Seconding YNAB. I've been using it for years, couldn't imagine life without it."
"I use You Need A Budget. YNAB has paid for itself for a long time for me."
"YNAB. That is all."
#2
Mint
3.8
(28)
"Mint.com is best for budgeting. I check it daily to ensure all transactions are categorized correctly and I follow my budget realistically and religiously."
"For me the automation of Mint made it the winner."
"I use Excel but my girlfriend likes Mint."
"Mint"
"Try mint or something. Let me know if you need any other suggestions or help managing that."
"Mint is a great app as well that can do things a bit more automatically."
"Mint? Same folks who do TurboTax and QuickBooks. I've been using it for a while."
"I like Mint a lot."
"Mint by intuit works pretty well. Free budgeting and credit check, and it syncs with most bank, credit card and loan accounts."
"Mint, YNAB, Truebill are the ones I've used."
#3
Ynab
4.8
(17)
"I’d highly recommend YNAB. It’s a game changer."
"YNAB has transformed my budgeting process!"
"YNAB together May he what you are looking for."
"YNAB (You need a budget) can pull directly from RBC &TD (as well as many other financial institutions)"
"YNAB is a better budgeting tool."
"Does what you're asking"
"YNAB is an excellent budgeting tool that helps manage finances effectively."
"YNAB definitely has the most features."
"YNAB is an excellent budgeting tool that helps you manage your finances effectively."
"YNAB can change the way you think about your money and basically force you into a better position if used correctly."
#4
EveryDollar
4.1
(9)
"EveryDollar. It’s great."
"EveryDollar is simple enough for my wife to use, and we can update it from our own phones."
"I really like EveryDollar (the premium version is $9.99/month). It's ad-free and has all the goodies."
"Every dollar by Dave Ramsey is pretty good with creating budgets"
"The free version of EveryDollar is probably the closest you’ll get."
"Everydollar. You can set it up online & set things up as funds so the amounts roll over from month to month."
"I have been giving every dollar a chance and like it so far, u can customize it however"
"Every dollar has a job. Spend last months income."
"EveryDollar appears to cost a little more than YNAB, and I don't know much about it."
#5
Quicken
4.3
(6)
"Quicken does all of what you are looking for. The dashboard view on the homepage shows expenses vs income for each month, shows how you are doing vs a budget etc. It also has standard and custom reports which you can run frequently."
"Quicken is great for easily tracking all of your expenses."
"We are oldsters but have used Quicken for decades with much success."
"I bought into Quicken. Then I grabbed downloads from our banks and main credit cards and fed it into Quicken."
"It has my entire history of spending by category and all my investment accounts with real numbers."
"Quicken is a little different than Mint and might do what you need."
#6
Microsoft
3.8
(5)
"Excel is my favorite budgeting tool for tracking expenditures."
"Excel does that."
"The ready-made template in MS Excel helps track expenses and income effectively."
"Microsoft Excel"
"Try excel!"
#7
Microsoft Excel
4.5
(4)
"I just use Excel. Plenty of free algorithms."
"I am only going to use my own IN Excel and put my data in there myself"
"Excel"
"Excel. It takes some setup but then you are the only one touching your data."
#8
Moneyhub
4.3
(4)
"I have been using it for a couple of years. Its way better than any banking app. You can create budgets, pull all bank accounts and credit cards, pensions into it."
"Money hub is very good, 99p per month!"
"Moneyhub - can link different bank accounts and mortgages/loans and also put in your address to see house value on zoopla etc"
"I use Moneyhub. It’s got a 100 day free premium trial and then it’s £14.99/year. It pulls everything together and categorises it all and let’s you add your own accounts and update them manually etc."
#9
Monzo
4.3
(4)
"Monzo joint account is amazing for budgeting. It puts aside all you bills etc into a separate pot and then leaves you with what’s left."
"The trends and monthly spending breakdowns are really useful."
"I use Monzo plus, it’s pretty impressive and easy to use, plus is my main bank so it ties in pretty nicely."
"Have a look at Monzo."
#10
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. It gives you an organized approach to budgeting, it also gives you resources and tools for expense tracking, savings."
#11
Google Sheets
4.3
(3)
"I just did my own to be honest in excel (well google sheets). I track my overall budget - breaking down income v where I spend/save it."
"Google Sheets is free and accomplishes pretty much the same thing as an Excel spreadsheet would."
"Google sheets and some basic spreadsheet formulae may be all you need."
#12
Pocketsmith
3.7
(3)
"Pocketsmith. Supports multiple banks and currencies. Does auto categorization. Their help team is excellent."
"I've been using pocketsmith for a few months now, I like it."
"They do automatic bank feeds for NZ based banks"
#13
Buxfer
4.5
(2)
"Buxfer should have what you’re looking for!"
"I use Buxfer. I pay a yearly subscription but it worths for having a few more features than the basic."
#14
Every Dollar
4.5
(2)
"Free manual entry."
"Every Dollar probably has the 'cleanest' and easiest to use interface."
#15
Fina Money
4.5
(2)
"Fina Money it’s super simple to use and can help track everything in one place."
"Not sure if this template can be helpful: [https://app.fina.money/t/3PONM4DGjUY90T], it has some good content about the debt payment strategy."
#16
Copilot
4.5
(2)
"Copilot"
"If you already are pretty good at managing money and you just need something to automate, CoPilot or even a simple spreadsheet work well."
#17
Money Lover
4.5
(2)
"You can set up multiple 'wallets' to track different currencies and transfer between them. Also great for generally categorising expenses."
"I have really enjoyed using Money Lover for over a year."
#18
Nova
4.0
(2)
"Nova's been helping me a lot in the last few months"
"I use r/NovaMoney because of its pay-yourself-first budgeting method, which means it prioritises your goals and bills over discretionary spending"
#19
Wallet
4.0
(2)
"I use wallet. Its manual for me since my country is in the dark ages."
"I have been using an app called Wallet for a few years now. It has a web portal version too for desktops."
#20
Money Manager
4.0
(2)
"Another good manual app is money manager."
"I just recently switched to Money Manager to see how effective it is. Plus I can have multiple wallets in free tier."
#21
Excel
3.5
(2)
"I use Excel. I'm just happy as a clam with it."
"Been using it since 2007, tried YNAB etc, they're nowhere near as flexible and many times as annoying."
#22
Money Manager Ex
3.5
(2)
"It is a freeware and it has both PC and android version which can sync using googledrive."
"Since it is free, I would recommend taking a look if you are interested in."
#23
Google Drive
5.0
(1)
"I personally just have a spreadsheet on Google drive."
#24
Neontra
5.0
(1)
"Neontra"
#25
Early Retirement Now
5.0
(1)
"I didn’t see anyone mention earlyretirementnow.com. It’s not for everyone because most people care more about easy than accurate."
#26
PocketGuard
5.0
(1)
"PocketGuard and Copilot come highly rated (4.7 out of 5 stars for PG, and 4.8 out of 5 stars for CP, each with thousands of reviews."
#27
YNAB
5.0
(1)
"YNAB is an excellent budgeting tool that has transformed my financial management."
#28
New Retirement
5.0
(1)
"Very robust with the ability to model Roth Conversions."
#29
RetirePlan
5.0
(1)
"My favorite for ease of use."
#30
Budget Bakers
5.0
(1)
"I have been using it for over a year now, and am most satisfied with it. It is one of the rare apps that has both an android app and pc web page, they sync automatically as well."
#31
NewRetirement
5.0
(1)
"It is great so far. I use my own Spreadsheet as well."
#32
iFinance4
5.0
(1)
"IFinance4 allows syncing with many banks directly for transactions and offers budgeting and analytics features."
#33
Bluecoins
5.0
(1)
"I like Bluecoins for Android."
#34
Rich, Dead, Broke
5.0
(1)
"One of my favorites – will your money last?"
#35
wealthposition.com
5.0
(1)
"Very helpful people on the other side if you get stuck."
#36
Wealthposition
5.0
(1)
"I use Wealthposition brilliant tool for customizing everything to your requirement. The dashboard gives you a very good picture of your financial situation now and into the future."
#37
Simple
5.0
(1)
"I have liked more than banking with Simple. They are an online bank backed by BBVA."
#38
Prepaid Debit Card
4.0
(1)
"How about a prepaid debit card? Load it with whatever amount of money is needed for budgeting out his weekly expenditures."
#39
Dedicated Credit Card
4.0
(1)
"Don't mix business and pleasure, use a dedicated CC."
#40
Smartsheet
4.0
(1)
"I built a spreadsheet. Have a look at Smartsheet."
#41
TD
4.0
(1)
"The TD my spend app does a pretty good job at categorizing every payment that goes through."
#42
Personal Capital
4.0
(1)
"I hear Personal Capital is good. Free and it focuses on investments."
#43
FICalc
4.0
(1)
"A useful tool for calculations."
#44
FIRE CALC
4.0
(1)
"Great for assessing financial independence."
#45
Open Social Security
4.0
(1)
"Helps decide optimal withdrawal ages for spouses."
#46
Simplifi
4.0
(1)
"I've also used Simplifi for tracking what we spend on."
#47
Lunch Money
4.0
(1)
"I use lunch money."
#48
Budgey
4.0
(1)
"Give Budgey a try! It’s like 3 steps to get your budget set up and then just start tracking your transactions!"
#49
Tend
4.0
(1)
"I use tend.cash to see my average weekly available cash. A really helpful number to keep in mind as I spend money throughout the week."
#50
Centsible
4.0
(1)
"I recommend envelope budgeting. Especially if money is tight. I built an app called Centsible. Single time purchase if you only need it on one device."
#51
Monarch Budget
4.0
(1)
"You can try Monarch Budget with my link for a 30 day trial. Best of all if you like it get 50% off for the year."
#52
Precoro
4.0
(1)
"Precoro is a solid choice, it has budgeting by department/project/subsidiary and it tracks everything in real-time."
#53
Toshl
4.0
(1)
"I use Toshl religiously as my budgeting app and webapp. It's simple, has a lot of customisation, and I prefer manual input rather than pulling data from my banks."
#54
Auden Money
4.0
(1)
"A new app recently is Auden Money. It's made by Moneyhub and links to all the same accounts, but it's a free service."
#55
HomeBudget
4.0
(1)
"I use HomeBudget with Sync app. After every purchase I add a manual transaction, by doing this I am more aware of my spendings instead if it was all automatic."
#56
Chip
4.0
(1)
"Chip is quite good at building up a savings amount as it monitors your spending, and takes bits out and builds up your savings."
#57
Moneydance
4.0
(1)
"I believe Moneydance checks your boxes."
#58
Wealth Position
4.0
(1)
"Try Wealth Position."
#59
GoodSteward
4.0
(1)
"If you are looking for automated data syncing from as many financial institutions as possible, you should give GoodSteward.io a try."
#60
Maxwell Finn
4.0
(1)
"Has a sheet to track a target ROAS, budget... etc."
#61
GnuCash
3.0
(1)
"Gnucash does multiple currencies, but I don't really understand that part of it."
#62
Newretirement
3.0
(1)
"Newretirement tool is ok and can be mind-boggling."
#63
Fidelity
3.0
(1)
"Fidelity projection tool is ok."
#64
Balance
3.0
(1)
"I currently working on Balance - Money Manager where you can log transactions and track them. More features are coming soon"
#65
No Fuss Budgeting
3.0
(1)
"I developed an app that is ai based and simple. Called No Fuss Budgeting. The beta is coming out soon."
#66
Microsoft Money Sunset Edition
3.0
(1)
"Microsoft money sunset edition. It's not been produced by Microsoft since 2008, but still works and is free."
#67
Canadian Government Budgeting Tool
3.0
(1)
"Theres a comprehensive budgeting tool by the canadian government you can try out. Works for my needs."
#68
Paper
3.0
(1)
"Paper works for me. Or a spreadsheet."
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