Finance App reviews from Reddit

Summary

We analyzed 188 Reddit reviews across 28 subreddits and 53 posts to rank the best Finance App brands recommended by redditors, including communities like r/personalfinance, r/androidapps, r/fatFIRE, r/PersonalFinanceCanada, r/mintuit. Top-rated brands include Mint (3.8/5), You Need a Budget (4.9/5), Monarch (4.3/5).

Stats

Reviews188

Subreddits28

Posts53

Brands95

Products18

Top communities

r/personalfinance38 r/androidapps20 r/fatFIRE18 r/PersonalFinanceCanada16 r/mintuit13

188 reviews from

and

By Brand

By Product

Mint

3.8

(17)

"I'm a college student and I use the Mint app."

"Check out Mint"

"I like and use Mint."

"If you are just looking for an app to track your spending then checkout Mint."

"[Mint] is a great option."

"Mint is highly recommended in this sub."

"The apps for them are great"

"I used mints and personal capital."

"If your looking for an app to keep track of your finances I recommend mint."

"Mint. Works great in the browser."

You Need a Budget

4.9

(10)

"I like it because it uses zero based budgeting, which puts every dollar to a job. This helps keep you on track with paying down debt and meeting savings goals."

"I would highly recommend You Need A Budget (YNAB). It’s not free, however they do have a 34 day trial so you can give it a go before committing."

"Ynab for budgeting is beast."

"YNAB you need a budget. It can sync with your bank."

"I can't recommend YNAB enough."

"Check out www.youneedabudget.com aka "YNAB"."

"Me and the wife have been using YNAB for several years with great success."

"You Need A Budget!"

"You need a budget is great. You can make the budget as complicated or simple as you like."

"Check out “You Need a Budget”, or Ynab for short."

Monarch

4.3

(10)

"I like kubera for a casual glance at investment allocations and performance, and monarch for daily spending."

"Is amazing. Well worth the price, best UX of all the apps out there."

"Monarch is the best drop-in replacement for Mint."

"I started using Monarch and I absolutely love it."

"Https://www.monarchmoney.com."

"Use Monarch (or Copilot or any of their competitors with Plaid API connections) for daily banking."

"I just switched to Monarch."

"Monarch is supposed to the be THE goto replacement for Mint."

"It’s a touch pricy for my liking but should check all your boxes."

"Dull but with refined coverage of all the basics."

YNAB

4.1

(8)

"Lunch money / ynab or read this"

"It's honestly changed my life."

"Ynab for me"

"I use YNAB but don’t link my larger accounts."

"I've been using YNAB for a decade and it's been great."

"It's still a super useful tool."

"I use YNAB, entering all transactions manually."

"It sounds like you need to rethink how you use YNAB."

Fold

4.8

(5)

"[Fold Money] and [Wallet] are my favorites."

"[Fold] is best for that, it's free too."

"Love Fold app, the only app that I stuck with and made possible for me to get control over my finances"

"Fold is an excellent app that consolidates all your financial activities in one place."

"Fold Money and Axio can track transactions automatically."

Personal Capital

3.8

(6)

"I use personal capital and love it."

"I switched to it from Mint and am very happy."

"I use Personal Capital."

"Personal Capital is quite good and is free."

"It’s pretty good at tracking net worth, investments, portfolio breakdowns, etc."

"Personal Capital doesn’t 'see' M1 transactions."

Copilot

4.0

(5)

"Budget tracking - copilot."

"Copilot works great for me."

"Personally, I use copilot but it’s iOS only"

"Copilot app supports the brokerage, I imagine checking & credit are too."

"I’m evaluating Copilot right now to see if I like it since it integrates with M1 now."

Emma

4.8

(4)

"Has worked amazingly well for me, it’s good at “gamifying” money."

"Emma hands down."

"Completely smitten with the Emma App."

"Just gave Emma a test - it looks pretty and robust."

Quicken

3.6

(5)

"I've been using it for like 25 years."

"I use Quicken Simplifi because it can see all of my M1 accounts."

"Quicken for Mac has been updated and now find it has greatly improved."

"Quicken desktop."

"I like Quicken myself but not the new version."

#10

Google Sheets

5.0

(3)

"Google sheets :)"

"I'll always prefer Google Sheets for being available anywhere."

"This Google Sheet has been really popular in this sub."

#11

Kubera

4.7

(3)

"Love it"

"Tracks traditional investments, crypto and even non-traditional ones like domains."

"Kubera."

#12

Banktivity

3.7

(3)

"Banktivity works great on the Mac."

"I use Banktivity which has been pretty decent."

"Banktivity? Requires a subscription, but at least claims to have a vast many features"

#13

HDFC

3.3

(3)

"As long as the merchant name is HDFCBILLPAY or BBPS BILLPAY, you'll get the RPs."

"Might be a good option since there are rumors that HDFC Billpay has stopped giving cashback for certain bank's credit card bill payments."

"The only sure method known is using HDFC Bill Pay although that too is doubtful for some cards atm."

#14

Gnucash

3.3

(3)

"I use Gnucash."

"Tried GnuCash as a double entry store but it was a bit annoying."

"GnuCash does this."

#15

Firefly 3

3.3

(3)

"I personally use Firefly III to keep track, but I manually have to do an export from the BML site and manually import it to FF."

"Firefly can work with US institutions through plaid using https://github.com/dvankley/firefly-plaid-connector-2."

"Firefly 3 and actual budget are common choices, I didn't like either and have stuck with a spreadsheet."

#16

Empower

5.0

(2)

"Very happy with Empower App."

"Can’t suggest it enough. It does everything."

#17

Centsible

4.5

(2)

"Check out Centsible best app I have found for the money."

"I use Centsible. Envelope budgeting similar to ynab, but half the price."

#18

Neontra

4.5

(2)

"Very happy with it so far."

"I’m a Neontra fan. I particularly like the investment management tools, and how they support financial planning."

#19

Bluecoins

4.5

(2)

"I can recommend Bluecoins : best choice for me!"

"Link me: Bluecoins"

#20

Lunch Money

4.5

(2)

"It's miles better than Mint and offers excellent auto categorization features."

"Look at the different visualizations they have and their analytics logic."

#21

Wallet

4.0

(2)

"[Wallet](https://play.google.com/store/apps/details?id=com.droid4you.application.wallet&hl=en)"

"I use Wallet by BudgetBakers."

#22

Everydollar

4.0

(2)

"Every dollar app"

"Everydollar. More function available online."

#23

Credit Karma

4.0

(2)

"It works with all my brokerage/banking accounts and it's totally free."

"Credit Karma. They recently absorbed Mint and accept M1."

#24

Splitwise

4.0

(2)

"Splitwise. You can even link it up with PayPal or Venmo."

"Checkout Splitwise, works great for us in a similar situation."

#25

Wealth Position

4.0

(2)

"I chose Wealth Position for flexibility."

"Try Wealth Position it works differently to ynab."

#26

NerdWallet

4.0

(2)

"Nerdwallet has always read every account without me having to manually refresh everything."

"I have good experience with Nerd Wallet"

#27

Tiller

4.0

(2)

"Take a look at Tiller."

"Browse their set of hundreds of user-defined templates."

#28

Axio

4.0

(2)

"Axio - by reading SMS messages."

"It can keep track of expenses automatically by reading messages and fetching your accounts. No irritating ads or popups, it's free."

#29

Monarch Money

3.5

(2)

"Monarch Money offers excellent budgeting tools and a user-friendly interface."

"Monarch Money has problems with Canadian Banks, especially with Questrade accounts."

#30

Copilot Money

3.5

(2)

"Make Budgeting the central feature and build around it, something like Copilot Money which I am a subscriber. This will be great!"

"It's missing a ton of function, focusing too much on user experience."

#31

MoneyWiz

3.0

(2)

"You can give MoneyWiz a try."

"Just know moneyWiz but it is not for free to connect to banks."

#32

Microsoft

3.0

(2)

"Microsoft excel"

"I would think Excel"

#33

Tangerine

3.0

(2)

"Works fine with Tangerine."

"I've noticed my Tangerine card keeps needing to reauthenticate."

#34

MSN Money

3.0

(2)

"MSN Money"

#35

Actual Budget

3.0

(2)

"Works with SimpleFIN bridge for bank syncing (costs $15/year). You can make rules to auto-categorize"

"I was looking at Actual Budget which looked decent and pretty much the same thing."

#36

ClevMoney

5.0

(1)

"I've been using ClevMoney for a few years now. It's awesome"

#37

WealthPosition

5.0

(1)

"Try Wealthposition super customizable to your own requirement brilliant software app"

#38

Monefy

5.0

(1)

"For me monefy is a great easy to use app."

#39

HomeBudget

5.0

(1)

"Highly recommend it."

#40

Google

5.0

(1)

"A great tool for tracking transactions and managing finances."

#41

Budgeting App

5.0

(1)

"This app is perfect for tracking my monthly expenses!"

#42

RocketMoney

5.0

(1)

"RocketMoney is what I use."

#43

Cashew App

5.0

(1)

"I'm personally using https://cashewapp.web.app and doing manual entries. It's, open source, ad free and backs up to drive."

#44

Budget Bakers

5.0

(1)

"Wallet by budget bakers"

#45

Actual

5.0

(1)

"I myself have started using Actual and think it's excellent."

#46

Toss

4.0

(1)

"BankSalad and Toss are the best personal finance app"

#47

Personal Finance

4.0

(1)

"The apps for them are great"

#48

Debit & Credit

4.0

(1)

"I use the Debit & Credit app with shortcuts"

#49

Betterment

4.0

(1)

"The top ones are Betterment and Wealthfront."

#50

Wealthfront

4.0

(1)

"The top ones are Betterment and Wealthfront."

#51

Monzo

4.0

(1)

"You could just simply use Monzo?"

#52

Simplifi

4.0

(1)

"I’ve only used Simplifi because it was the only one that could integrate with all accounts."

#53

KPMoney

4.0

(1)

"Try: https://play.google.com/store/apps/details?id=com.kpmoney.android"

#54

My Budget Book

4.0

(1)

"Very useful one I use on a daily basis : My Budget Book."

#55

Pennies

4.0

(1)

"Check out Pennies or Clarity Money."

#56

Penny

4.0

(1)

"I use Penny. Pretty happy with it."

#57

Yolt

4.0

(1)

"Yolt is pretty good."

#58

Level Money

4.0

(1)

"[Level Money](https://levelmoney.com/)"

#59

Finary

4.0

(1)

"Finary has a free tier and can connect to most banks"

#60

Money for Excel

4.0

(1)

"Money for Excel is a free add-on if you have a licensed copy of Excel."

#61

Monefy Pro

4.0

(1)

"You can use Monefy Pro and sync between multiple devices."

#62

MoneyLover

4.0

(1)

"I use MoneyLover premium. One time payment for the premium and it:s way cheaper than YNAB."

#63

Kualto

4.0

(1)

"I eventually moved to Kualto."

#64

Budget with Buckets

4.0

(1)

"I've heard good things about Budget with Buckets."

#65

Money Coach

4.0

(1)

"I've been using Money Coach. Works really well."

#66

Finances

4.0

(1)

"The app I like the best is called Finances."

#67

Fina

4.0

(1)

"Fina money is an all in one web app with a lot of flexibility."

#68

BudgetBakes

4.0

(1)

"I've tried using wallet by BudgetBakes, you can give it a shot."

#69

Capstone

4.0

(1)

"I’ve learned a lot while developing this app and just released it to the stores."

#70

MBNA

4.0

(1)

"Works fine with MBNA (Amazon Card)."

#71

fi.money

4.0

(1)

"Great for tracking expenses."

#72

indmoney

4.0

(1)

"Excellent for overall portfolio tracking."

#73

Revolut

4.0

(1)

"Good UI for spend tracking and budgeting."

#74

AMEX

4.0

(1)

"AMEX works fine."

#75

PC Financial

4.0

(1)

"Works fine with PC Financial."

#76

Savvy Trader

4.0

(1)

"Great idea for decentralized investment in stocks."

#77

MX

4.0

(1)

"MX is best for connecting to banks and tracking expenses."

#78

WS

4.0

(1)

"Honestly I just use my WS app and it has helped me so much... I can have multiple bank accounts for whatever I need and it helps me budget and save"

#79

Cashew

4.0

(1)

"Cashew"

#80

Easy Finance

4.0

(1)

"Check this out https://easyfinance.me/"

#81

Fyenance

4.0

(1)

"If you're open to manually tracking your finances instead of bank sync, you might like Fyenance."

#82

ReSubs

4.0

(1)

"For recurring subscriptions, I like [ReSubs]."

#83

Budget Baker

3.0

(1)

"I use Budget Baker’s Wallet app to enter my expenses manually."

#84

Sofi

3.0

(1)

"Sofi + Relay, relay built into Sofi."

#85

OutBank

3.0

(1)

"OutBank is limited but works for me."

#86

actualplaid

3.0

(1)

"For automatic sync I use actualplaid."

#87

Spendee

3.0

(1)

"I like the colorful ui though there is a lot of room for improvement"

#88

Canadian Tire

2.0

(1)

"Requires MFA re-do anytime you want to sync."

#89

CIBC

2.0

(1)

"Requires MFA re-do anytime you want to sync."

#90

Scotia

2.0

(1)

"Maybe it's the same thing with Scotia."

#91

Piere

2.0

(1)

"Planned AI insights that are still free but lack crypto integration."

#92

Default Classification

2.0

(1)

"Again free, but tedious to implement."

#93

SBI, Stan C & Axis

2.0

(1)

"No cashback is applicable."

#94

Axis

2.0

(1)

"They don’t give on Axis. Rest they still give 1%."

#95

Plaid

1.0

(1)

"Plaid is terrible and lacks proper connectivity."

Discover your audience

GummySearch is an audience research toolkit for 130,000 unique communities on Reddit.

If you are looking for startup problems to solve, want to validate your idea or find your customers online, GummySearch is for you.

Tell me more

Get started