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Budgeting & Expense rankings
Every budgeting and expense app below is scored 0-100 on the same seven public axes: value, ease, automation, account linking, budgets and reporting, security, and data ownership. Answer a 60-second quiz to personalize the ranking, or compare any two head-to-head.
1
Empower Personal Dashboard
Free
A free net-worth and investment dashboard (formerly Personal Capital), excellent for tracking portfolios, funded by wealth-management upsells.
77
SoftwareScore
2
Copilot Money
From $95/yr · ★4.8 (30k)
A gorgeous, Apple-first money app with smart AI categorization and delightful design, best if you live on iPhone and Mac.
76
SoftwareScore
3
Monarch Money
From $99.99/yr · ★4.8 (88k)
A polished all-in-one budgeting and net-worth tracker that rose as the Mint successor, strong on reporting and account linking.
75
SoftwareScore
4
Quicken Simplifi
From $3.99/mo · ★4.2 (4.0k)
Quicken's modern, affordable budgeting app with a clean spending plan and solid account sync, strong value for the money.
75
SoftwareScore
5
Lunch Money
From $10/mo · ★4.6 (38)
An indie budgeting app loved for multi-currency, crypto tracking, a clean API, and honest export, built by a solo developer.
71
SoftwareScore
6
Actual Budget
Free · open-source · ★4.7 (60)
An open-source, local-first envelope budgeting app you can self-host, top marks for privacy and data ownership.
71
SoftwareScore
7
Tiller
From $99/yr
Automated daily bank feeds into your own Google Sheets or Excel, unbeatable on data ownership and flexibility if you like spreadsheets.
70
SoftwareScore
8
Rocket Money
Free · $7-14/mo · ★4.5 (402k)
A spending tracker known for finding and canceling unwanted subscriptions and negotiating bills, handy, with upsells baked in.
68
SoftwareScore
9
Honeydue
Free · ★4.5 (13k)
A free budgeting app designed for couples to share bills, balances, and spending, with per-account privacy controls.
67
SoftwareScore
10
PocketGuard
Free · $12.99/mo · ★4.6 (7.7k)
A simple app built around one question, how much can I safely spend, with an 'In My Pocket' number and bill tracking.
67
SoftwareScore
11
YNAB
From $109/yr · ★4.8 (58k)
The zero-based budgeting standard with a devoted following and a real method, powerful for gaining control, with a learning curve and no free tier.
65
SoftwareScore
12
EveryDollar
Free · $79.99/yr · ★4.7 (69k)
Ramsey Solutions' zero-based budgeting app, simple and approachable, with bank syncing reserved for the paid Premium tier.
60
SoftwareScore
13
Goodbudget
Free · $10/mo · ★3.9 (32k)
A digital envelope budgeting app built for hands-on, manual budgeting and syncing across a household, no bank connections by design.
54
SoftwareScore
Best budgeting app for…
For automatic tracking
For hands-off budgeting that syncs your accounts and categorizes spending for you.
For couples
For sharing bills, balances, and spending with a partner.
For envelope budgeting
For the hands-on, give-every-dollar-a-job envelope method.
For data ownership
For people who want spreadsheets, self-hosting, and no lock-in.
For a free option
The strongest options that cost nothing to use.