Personal Finance App reviews from Reddit
Summary
We analyzed 225 Reddit reviews across 19 subreddits and 46 posts to rank the best Personal Finance App brands recommended by redditors, including communities like r/personalfinance, r/fatFIRE, r/M1Finance, r/fiaustralia, r/UKPersonalFinance. Top-rated brands include YNAB (4.5/5), Mint (3.3/5), Personal Capital (3.5/5).
Stats
Reviews225
Subreddits19
Posts46
Brands86
Products33
225 reviews from
and
By Brand
/By Product
#1
YNAB
4.5
(33)
"Look into lunch money / ynab or read this"
"YNAB for budgeting is beast."
"Ynab"
"I can't recommend YNAB enough."
"Check out www.youneedabudget.com aka "YNAB"."
"YNAB"
"YNAB is excellent for day-to-day budgeting."
"YNAB handles budgeting well."
"YNAB is highly recommended for budgeting without linking accounts."
"Mint could be useful as a secondary tool but if you want your life to actually change... YNAB"
#2
Mint
3.3
(25)
"Works great in the browser and the iOS app supports Touch/FaceID."
"The Mint app really helps and tells you where all your money is going. You can also create budgets and bills."
"I used to use Mint for budgeting."
"Mint does decent at auto categorizing for me and easy to blanket change the categorization of specific charges when needed."
"It’s got great insight and ways to look at things."
"I like Mint. Free and simple, and connects all my accounts. Good for giving me a snapshot."
"Mint, undebt.it, ynab, personalcapital."
"Mint does a reasonably good job regarding all of your points. You can make your own categories, do custom searches, and see trends."
"Mint is a great free app for tracking spending."
"Mint is better for budgeting."
#3
Personal Capital
3.5
(15)
"Personal Capital does a better job on presenting my investments."
"Personal Capital."
"What do you all think of personal capital."
"I’m fond of Personal Capital. They will try to sell you money management or investment services but that’s easy to ignore."
"I prefer Personal Capital for automatic linking with cards and accounts."
"Personal Capital."
"Great for the high-level view of your accounts and ongoing review of transactions across multiple accounts."
"I use PersonalCapital."
"Personal Capital is better for investment analysis."
"I really like Personal Capital. It does a bit of everything."
#4
Quicken
4.1
(10)
"Quicken Classic by a country MILE!! I use the Mac version and so I enjoy the new dark mode."
"I use Quicken Simplifi because it can see all of my M1 accounts. It works well for me."
"I used the Quicken desktop app since my data stays local to my machine."
"Quicken for Mac has been updated and now find it has greatly improved, almost equal to the PC version. I have tried mint and the other software but keep coming back to Quicken."
"Quicken, but only for a PC or Mac."
"For more detailed stuff I use Quicken."
"Quicken exports are available, making it versatile."
"Quicken desktop."
"Quicken probably comes closest."
"Quicken."
#5
Monarch
3.6
(11)
"Is amazing. Well worth the price, best UX of all the apps out there."
"No complaints about Monarch for expense tracking and budgeting."
"I like kubera for a casual glance at investment allocations and performance, and monarch for daily spending."
"I have a 3 system recommendation: 1) Use Monarch (or Copilot or any of their competitors with Plaid API connections) for daily banking + credit card only."
"I just switched to Monarch."
"Monarch actually does it so much better that I'm ditching good ol' faithful excel."
"I absolutely love it."
"Https://www.monarchmoney.com. ?"
"Monarch is supposed to be the goto replacement for Mint, but it's not free."
"Monarch is way more expensive than it should be imo, and the UI blows."
#6
Empower
4.1
(7)
"Very happy with Empower App."
"Can’t suggest it enough. It does everything."
"No complaints about Empower Personal Dashboard for investments."
"It's free, but they'll want to sell you their other services."
"I used Empower for tracking net worth."
"I've been happy with my testing of Empower."
"Empower didn't work with half my accounts."
#7
Google Sheets
4.8
(5)
"I would recommend google spreadsheet with the addition of an iOS script for transactions."
"Google sheets :)"
"I'll always prefer Google Sheets for being available anywhere on any device"
"This Google Sheet has been really popular in this sub and does your Budget as well as Networth tracking."
"I have decided to just create my own Google sheet to budget and track spending as I can make it as relevant to me as I wish."
#8
gnuCash
3.5
(6)
"Recently switched to GnuCash. It takes a little getting used to... but once you get that quirk handled... it's basically the same as moneydance but free."
"It has a bit of a learning curve, but is powerful and free."
"I like GnuCash. It's important to manually enter transactions to catch bank errors."
"I used it for double-entry accounting, which might be overkill for you. It's also not a native App. Generating reports takes a bit of getting used to."
"Tried GnuCash as a double entry store but it was a bit annoying and Excel was better."
"I haven't found an online site that doesn't suck."
#9
Wealth Position
4.0
(5)
"I chose Wealth Position for flexibility. Short and long-term finance planning, future forecasting up to retirement and beyond."
"It's a brilliant tool for personal finance and short and long-term forecasting and planning."
"Try Wealth Position it works differently to ynab."
"Try Wealth Position"
"I use it on android. It supports CSV file transfer."
#10
Copilot
4.0
(4)
"Budget tracking - copilot (why keep more than fdca covered money in bank checkings?)"
"Copilot works great for me."
"Personally, I use copilot but it’s iOS only."
"Copilot app supports the brokerage."
#11
Kubera
4.7
(3)
"Love it"
"Tracks traditional investments, crypto and even non-traditional ones like domains."
"Kubera."
#12
mint.com
4.7
(3)
"I like mint.com. It's a great tool for managing finances."
"Mint.com is the best, cross platform, accessible from anywhere with a web browser, has an iphone app. free. it's pretty solid."
"One of the best budgeting tools and it's free."
#13
You Need a Budget
4.7
(3)
"You Need a Budget (YNAB) is the best financial app and method I’ve used."
"It's specifically designed to get people off of living paycheck to paycheck and start to build wealth. It works."
"I do like YNAB for that (it also is for budgeting), but it costs roughly $5/month."
#14
Money Manager
4.3
(3)
"I’ve been using it for more than 3-4 years with little to no complaints."
"Works for me after trying out tons of budgeting apps."
"Money manager might be close to what you want."
#15
Rocket Money
4.3
(3)
"I’ve really enjoyed Rocket Money."
"Works pretty well at $6/mo. Not the ideal app but gets me a pretty good idea of our monthly spend for budgeting purposes."
"Rocket money is good if you don’t wanna pay, if you do then I would still go with them."
#16
Emma
4.0
(3)
"Emma automatically imports data from most banks when you log in with your bank details."
"Emma uses Plaid to connect to financial institutions, which is very robust."
"Just gave Emma a test - it looks pretty and robust."
#17
Moneydance
4.0
(3)
"Moneydance is great for managing actuals and tracking assets."
"Moneydance is pretty good."
"[Moneydance](http://moneydance.com)."
#18
Everydollar
4.0
(3)
"EveryDollar is a great free app for tracking expenses."
"It is nice and simple so I am more likely to use it."
"Every Dollar manual entry."
#19
Banktivity
4.0
(3)
"Banktivity works great on the Mac."
"Banktivity? Requires a subscription, but at least claims to have a vast many features"
"Banktivity has been pretty decent, though a little expensive."
#20
Credit Karma
3.3
(3)
"It works with all my brokerage/banking accounts (even coinbase if you try hard enough), and it's totally free."
"They recently absorbed Mint and accept M1."
"I have not liked the net worth calculator in Credit Karma."
#21
Moneywiz
5.0
(2)
"MoneyWiz syncs between Mac and iOS, supports multiple accounts and currencies, and has budgeting and reporting capabilities."
"I just love that app."
#22
Nerdwallet
4.5
(2)
"It's a better interface and has all the same features."
"Nerdwallet has always read every account without me having to manually refresh everything."
#23
Monarch Money
4.5
(2)
"I’ve been enjoying Monarch Money."
"Monarch Money."
#24
ProjectionLab
4.0
(2)
"For longterm planning check out ProjectionLab's self-hosted version"
"I use ProjectionLab for planning and I manually update my financial accounts every quarter to six months."
#25
PocketGuard
4.0
(2)
"Pocketguard or Empower."
"It hits most of your boxes."
#26
Excel
4.0
(2)
"Excel is useful for long-term planning and tax tracking."
"For more detailed stuff I use Excel."
#27
Tiller
4.0
(2)
"If you want to stick to Google Sheets, take a look at Tiller."
"Tiller uses Google Sheets, offering freedom to create graphs and templates."
#28
You Need A Budget
5.0
(1)
"It's a two part thing, desktop app to define your budget, and then a mobile app to log your expenses when you're out and about."
#29
Wealthposition
5.0
(1)
"Brilliant software app that is highly customizable to your own requirements."
#30
Finances
5.0
(1)
"The developer has done a terrific job."
#31
Solo Developer
5.0
(1)
"Amazingly simple interface, non-linked all manual entries, and no ads!"
#32
Fold
5.0
(1)
"Fold is an excellent app that consolidates all your financial activities in one place."
#33
Monzo
5.0
(1)
"The Monzo app is user-friendly and available on both iOS and Android."
#34
OneTwoApps
5.0
(1)
"I use My Budget Book to manage my finances effectively."
#35
Fidelity
5.0
(1)
"I used Fidelity Full View and I enjoy it."
#36
FinArt
5.0
(1)
"FinArt app offers excellent features for tracking expenses and managing finances."
#37
Apple
5.0
(1)
"I use the Debit & Credit app with shortcuts."
#38
CapitalOne
5.0
(1)
"Allows you to set up to 25 savings accounts for better budget management."
#39
Frollo
5.0
(1)
"It pulls in all my accounts, auto tracks purchases and categorises them. You can also sync with investment platforms."
#40
Pocketsmith
5.0
(1)
"Try it out with premium trial via referral."
#41
Co-Pilot
5.0
(1)
"Very in depth information with really nice widgets as well."
#42
portseido.com
5.0
(1)
"It's able to track stock and crypto. Quite convenient."
#43
Hello Expense
5.0
(1)
"Good ole Excel. On the go, I use Hello Expense (it's free) to record daily expenses, then export to Excel at month end."
#44
1Money
5.0
(1)
"It has a very clean interface, widget, customization, and just the right amount of features."
#45
BillGuard
5.0
(1)
"BillGuard allows you to link your accounts, log charges into categories, set up budgets, and alerts for bills."
#46
Daily Money
5.0
(1)
"The app immediately classifies credit card charges as expenses and shows the total amount due."
#47
Buxfer
5.0
(1)
"Buxfer.com allows manual entry of transactions without syncing accounts."
#48
Kamunity
5.0
(1)
"Try Kamunity - it is FREE and doesn’t show you any ads."
#49
Fyenance
5.0
(1)
"If youre looking for a simple budgeting app... its basically just manual transaction tracking."
#50
Actual
5.0
(1)
"I myself have started using Actual and think it's excellent, the keyboard shortcuts when categorising payments make everything super easy"
#51
Prefund
5.0
(1)
"I couldn't find one I liked so I built my own: [prefund.app](http://prefund.app)"
#52
Squirrel
4.0
(1)
"I use [Squirrel](http://www.squirrelapp.com/l-en/mac/index.html) and I'm very happy with it."
#53
Cha-Ching
4.0
(1)
"[Cha-Ching](http://www.midnightapps.com/)"
#54
EveryDollar
4.0
(1)
"EveryDollar Free is a great budgeting tool that doesn't require bank connections."
#55
BudgetBakes
4.0
(1)
"I've tried using wallet by BudgetBakes, you can give it a shot."
#56
Simple
4.0
(1)
"Simple offers a 'safe-to-spend' feature with their bank account that might work."
#57
Sofi
4.0
(1)
"Relay works well with M1 accounts."
#58
Centsible
4.0
(1)
"Envelope budgeting similar to YNAB, but half the price."
#59
Fading Red
4.0
(1)
"It's simple but great for comparing expenses and tracking categories."
#60
actualbudget.org
4.0
(1)
"It's a free and open-source app under active development."
#61
Plaid
4.0
(1)
"Most personal finance apps use Plaid to link bank accounts."
#62
M1
4.0
(1)
"M1 works with Plaid, so most personal finance apps will work with M1."
#63
Simplifi
4.0
(1)
"I’ve only used Simplifi because it was the only one that could integrate with all accounts."
#64
Money Forward
4.0
(1)
"Been using and paying Money Forward for years and it works very well. It's highly customizable and worth the subscription price."
#65
Budget with Buckets
4.0
(1)
"Good alternative to YNAB with a one-off fee and unlimited free trial."
#66
PersonalCapital
4.0
(1)
"PersonalCapital seems to work best for me right now."
#67
Personal Finance
4.0
(1)
"The apps for Mint and Personal Finance are great."
#68
OutBank
4.0
(1)
"OutBank is limited but works for me."
#69
HelloWallet
4.0
(1)
"HelloWallet is decent."
#70
ClearCheckbook
4.0
(1)
"ClearCheckbook has a nice mobile version and allows manual entry of information."
#71
Truebill
4.0
(1)
"I use Truebill, very easy to use."
#72
MMEX Money Manager
4.0
(1)
"I use MMEX Money Manager. It's on flathub and very customizable but has a clean layout."
#73
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"
#74
Microsoft Excel
4.0
(1)
"Microsoft excel"
#75
American Express
4.0
(1)
"I think my Amex offers something like this. Charge it then open the app and tag it there."
#76
myprosperity
3.0
(1)
"I use myprosperity to track my AUS assets and investments."
#77
Firefly III
3.0
(1)
"Firefly iii for general finances and budgeting, but requires self hosting to run."
#78
U-Bank
3.0
(1)
"Anyone using U-Bank (Budget tracking) or We-Money?"
#79
Actual Budget
3.0
(1)
"I was looking at Actual Budget which looked decent."
#80
BankSalad
3.0
(1)
"In Korea, BankSalad and Toss are the best personal finance app."
#81
actualplaid
3.0
(1)
"For automatic sync I use actualplaid."
#82
Odoo
3.0
(1)
"I’ve used Oodoo before and Akaunting."
#83
QuickBooks
3.0
(1)
"I used quickbooks for awhile. Good enough for my business, good enough for me!"
#84
Intuit
1.5
(2)
"I have not used iBank since I am entrenched in an abusive relationship with Quicken 09 for Windows."
"The new Quicken-like product for Mac appears to be a POC."
#85
Kmymoney
2.0
(1)
"The bad is no phone app."
#86
Wealthfront
2.0
(1)
"I have tried Wealthfront but it did not work well for me."
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