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Best free budgeting app (2026)
The strongest options that cost nothing to use.
Same public formula as every ranking, just reweighted to emphasize Value (price vs capability) for a free option. How we score →
Top pick for a free option
Empower Personal Dashboard
78
SoftwareScore for a free option
A free net-worth and investment dashboard (formerly Personal Capital), excellent for tracking portfolios, funded by wealth-management upsells.
Because a free option weigh Value (price vs capability), Budgets & reporting, Automation most heavily, Empower Personal Dashboard comes out on top for this use.
See Empower Personal Dashboard → Runners-up for a free option
2
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
for a free option
3
Honeydue
Free · ★4.5 (13k)
A free budgeting app designed for couples to share bills, balances, and spending, with per-account privacy controls.
69
for a free option
4
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
for a free option
5
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
for a free option