Home › Budgeting & Expense › For data ownership
Best budgeting app for data ownership (2026)
For people who want spreadsheets, self-hosting, and no lock-in.
Same public formula as every ranking, just reweighted to emphasize Data ownership / export for data ownership. How we score →
Top pick for data ownership
Monarch Money
74
SoftwareScore for data ownership
A polished all-in-one budgeting and net-worth tracker that rose as the Mint successor, strong on reporting and account linking.
Because data ownership weigh Data ownership / export, Budgets & reporting, Ease of use most heavily, Monarch Money comes out on top for this use.
See Monarch Money → Runners-up for data ownership
2
Empower Personal Dashboard
Free
A free net-worth and investment dashboard (formerly Personal Capital), excellent for tracking portfolios, funded by wealth-management upsells.
74
for data ownership
3
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.
73
for data ownership
4
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.
73
for data ownership
5
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.
73
for data ownership