Best Budgeting Apps in 2026

Take control of your finances with the best budgeting apps. Track spending, set goals, and build healthy financial habits with these powerful tools.

32 Apps Reviewed

Updated January 2026

Top Picks for Budgeting Apps

Editor's Choice

YNAB (You Need A Budget)

Zero-based budgeting app that helps you give every dollar a job

4.8 (42.5K reviews)

iOS Android Web +2

Read Full Review Try YNAB

Rocket Money

All-in-one app for budgeting, bill negotiation, and subscription tracking

4.6 (185.0K reviews)

Free / Premium from $4/month

iOS Android Web

Read Full Review Try Rocket

All Budgeting Apps

1

YNAB (You Need A Budget)

Zero-based budgeting app that helps you give every dollar a job

4.8 (42.5K reviews)

iOS Android Web +2

Read Full Review Try YNAB

2

Rocket Money

All-in-one app for budgeting, bill negotiation, and subscription tracking

4.6 (185.0K reviews)

Free / Premium from $4/month

iOS Android Web

Read Full Review Try Rocket

3

Monarch Money

The best Mint replacement with collaborative budgeting features

4.7 (28.0K reviews)

iOS Android Web

Read Full Review Try Monarch

4

Empower

Free net worth tracking and investment analysis tools

4.6 (38.0K reviews)

Free / Wealth Management from 0.89%

iOS Android Web

Read Full Review Try Empower

5

Qube Money

Digital envelope budgeting with a debit card

4.5 (8.5K reviews)

Read Full Review Try Qube

6

Goodbudget

Envelope budgeting app for couples and families

4.5 (22.0K reviews)

Free / Plus $8/month

iOS Android Web

Read Full Review Try Goodbudget

7

Copilot

Smart money management app with beautiful design

4.8 (12.0K reviews)

Read Full Review Try Copilot

8

PocketGuard

Shows exactly how much you have left to spend

4.4 (67.0K reviews)

Free / Plus $7.99/month

iOS Android Web

Read Full Review Try PocketGuard

9

EveryDollar

Dave Ramsey budgeting app for debt payoff

4.7 (125.0K reviews)

Free / Premium $17.99/month

iOS Android Web

Read Full Review Try EveryDollar

10

Tiller Money

Automated spreadsheet budgeting for power users

4.6 (8.5K reviews)

Web Google Sheets Excel

Read Full Review Try Tiller

11

Honeydue

Free couples budgeting and bill splitting app

4.4 (18.0K reviews)

Read Full Review Try Honeydue

12

Simplifi by Quicken

Modern budgeting app from the makers of Quicken

4.5 (18.5K reviews)

iOS Android Web

Read Full Review Try Simplifi

13

Quicken

Comprehensive personal finance software

4.3 (125.0K reviews)

$4.99-9.99/month

iOS Android Windows +1

Read Full Review Try Quicken

14

Mvelopes

Digital envelope budgeting system

4.1 (8.5K reviews)

iOS Android Web

Read Full Review Try Mvelopes

15

Moneydance

Privacy-focused personal finance software

4.3 (4.5K reviews)

$49.99 one-time

iOS Android Windows +2

Read Full Review Try Moneydance

16

Banktivity

Premium personal finance app for Mac users

4.4 (3.2K reviews)

Read Full Review Try Banktivity

17

Expensify

Expense tracking and reporting for individuals and teams

4.4 (125.0K reviews)

Free / $5-18/user/month

iOS Android Web

Read Full Review Try Expensify

18

Spendee

Beautiful expense tracker with shared wallets

4.5 (85.0K reviews)

Free / Premium $2.99/month

iOS Android Web

Read Full Review Try Spendee

19

Mint (Discontinued)

The legendary free budgeting app (now closed)

4 (850.0K reviews)

iOS Android Web

Read Full Review Try Mint

20

Albert

Smart banking with savings and investing

4.4 (168.0K reviews)

Read Full Review Try Albert

21

Dave

Banking app with cash advances up to $500

4.5 (520.0K reviews)

Read Full Review Try Dave

22

Current

Teen and family banking with money management

4.6 (285.0K reviews)

Free / Premium $4.99/month

Read Full Review Try Current

23

Copilot Money

The premium Mint alternative for Apple users

4.8 (14.5K reviews)

Read Full Review Try Copilot

24

Lunch Money

Developer-friendly personal finance for power users

4.6 (3.2K reviews)

Read Full Review Try Lunch

25

Actual Budget

Open-source envelope budgeting app

4.5 (1.8K reviews)

Free / $6/month

Read Full Review Try Actual

26

Fudget

Dead simple budget tracking app

4.4 (22.0K reviews)

Free / Pro $0.99

Read Full Review Try Fudget

27

Buxfer

Smart money management with forecasting

4.3 (8.5K reviews)

Free / Plus from $3.99/month

iOS Android Web

Read Full Review Try Buxfer

28

Money Manager Ex

Free open-source personal finance software

4.3 (5.2K reviews)

iOS Android Windows +2

Read Full Review Try Money

29

GnuCash

Free accounting software for personal and business

4.2 (8.5K reviews)

Windows Mac Linux

Read Full Review Try GnuCash

30

Toshl Finance

Fun expense tracker with monsters

4.4 (48.0K reviews)

Free / Pro $2.99/month

iOS Android Web

Read Full Review Try Toshl

31

Intuit Credit Karma

The official home for Mint users

4.6 (3.2M reviews)

iOS Android Web

Read Full Review Try Intuit

32

Nova Money

Banking and budgeting for couples

4.4 (8.5K reviews)

Free / Plus $9.99/month

Read Full Review Try Nova

Find Apps By Use Case

Best Budgeting Apps for Couples

Manage finances together with apps designed for shared budgeting and joint accounts.

Best Finance Apps for Students

Student-friendly apps with free tiers and features for managing limited budgets.

Best Finance Apps for Beginners

Easy-to-use apps perfect for those just starting their financial journey.

Best Finance Apps for Freelancers

Track irregular income, manage taxes, and plan for the future as a freelancer.

Budgeting Apps FAQ