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Free to use

A real free tier, not a trial. 52 of 89 apps qualify.

Free here means a genuinely free tier or a free product, not a trial. 52 apps qualify. Two kinds of free exist in this list: apps funded by an upsell to advice or premium features, and open source apps you can run yourself. The Price row on each listing says which, and what the paid tier costs if there is one.

Free tier: YesSorted by price52 results

Actual Budget

Free, and qualifies

Local-first envelope budgeting you can self-host, with optional bank sync

SimpleFINGoCardlessEnable BankingData held by YouFree tier
Free 38 of 71 recorded

A shared household ledger for couples and roommates, with no bank connection

Data held by BoneyFree tier
Free 23 of 71 recorded

Credit scores and monitoring, with tax filing, spending insights and card and loan offers

Free tier
FreeiOS 4.8 (7,767,752) 15 of 71 recorded

An account-aggregating dashboard for net worth, budgeting, retirement and portfolio planning

YodleeFree tier
FreeiOS 4.8 (420,504) 35 of 71 recorded

Account aggregation for Fidelity customers: outside accounts, net worth and cash flow in one view

eMoneyData held by eMoney AdvisorFree tier
Free 24 of 71 recorded

Free Canadian planner for take-home pay, TFSA, RRSP and retirement. No account; your financial inputs stay in your browser.

Free tier
Free 12 of 71 recorded

FreeBudget is a free, simple budgeting app that tracks your spending, builds your budget, and monitors your net worth.

PlaidFree tier
Free 32 of 71 recorded

Track UPI, banks, and joint accounts in one place from bank alert emails

Free tier
Free 22 of 71 recorded

A free mobile app for couples: shared view of bank accounts, bills and budgets, with in-app chat about transactions.

PlaidFree tier
FreeiOS 4.5 (10,270) 14 of 71 recorded

Screens 40,000+ investment options and shows after-tax yield by federal, state and investment type.

Free tier
Free 5 of 71 recorded

A shared family dashboard to track assets, liabilities, budgets and renewals across household members, with real-time bank sync.

Free tier
FreeiOS · no ratings yet 30 of 71 recorded

The aggregator's own consumer app: accounts, spending and budgets in one place

YodleeFree tier
Free 23 of 71 recorded

Android app for planning expected income and expenses.

Free tier
Free 12 of 71 recorded

Net worth tracking from the personal-finance review site, alongside its cash and investing accounts

PlaidFree tier
FreeiOS 4.8 (125,425) 15 of 71 recorded

Private offline net worth tracker for iPhone. No bank login, no account, no ads.

Free tier
FreeiOS · no ratings yet 57 of 71 recorded

Budgeting and wealth management with bank connections and Mint data import

PlaidYodleeFree tier
Free 28 of 71 recorded

Subscription cancellation, bill negotiation, budgets and automated savings in one app

PlaidFree tier
FreeiOS 4.5 (401,501) 28 of 71 recorded

SoFi's money tracker linking SoFi and outside accounts for budgets, credit score, debt and net worth

Free tier
Free 23 of 71 recorded

WalletLens is a free net worth and portfolio tracker that takes anything you own. Crypto, stocks and ETFs, gold and silver, cash, bonds, your house, the watch i

Free tier
Free 23 of 71 recorded

Net-worth tracking that logs the important account changes, not every expense

Data held by YouFree tier
$12.99/yriOS 4.7 (128) 35 of 71 recorded

Offline-first expense tracker and budget planner with manual accounts, net worth and optional encrypted cloud sync

Free tier
$14.99/yriOS 4.7 (3) 21 of 71 recorded

Money manager and budget planner for bank, cash, e-wallet and crypto wallets, with shared wallets and per-category budgets.

Free tier
$14.99/yriOS 4.6 (6,261) 16 of 71 recorded

Personal accounting across spending, bills, debt, investments, net worth and credit score

PlaidYodleeMXFree tier
$19.99/yriOS 2.8 (10) 29 of 71 recorded

Zero-based budgeting with real reconciliation, flexible planning, and bank sync.

PlaidSimpleFINFree tier
$24/yr 36 of 71 recorded

Envelope budgeting for iPhone, iPad and Mac with fast manual entry, device sync and budget sharing

Free tier
$24.99/yriOS 4.5 (42) 17 of 71 recorded

A finance app paired with personalized habit training, with optional bank sync

PlaidMXFinicityFree tier
$40/yr 31 of 71 recorded

Budgeting app for the UK, US and Canada that tracks accounts, bills and subscriptions, with credit score, net worth and crypto tracking.

TrueLayerFree tier
$41.99/yriOS 4.7 (1,419) 41 of 71 recorded

Net worth, spending, investments, real estate and vehicles tracked across US and Canadian banks

PlaidFlinksWealthicaFree tier
$45/yriOS 2.0 (1) 39 of 71 recorded

A budgeting and expense-tracking app for iPhone, with shared budgets, manual accounts and net worth, plus subscription cancellation and bill lowering.

Free tier
$49.99/yriOS 4.7 (9,588) 13 of 71 recorded

Budgeting without the homework

PlaidFree tier
$49.99/yr 28 of 71 recorded

Stop Wondering Where Your Money Went

Free tier
$54.99/yr 22 of 71 recorded

Free nonprofit budgeting app: one weekly allowance instead of categories, plus a 2-year cash-flow forecast. Transactions are entered manually.

Free tier
$54.99/yriOS 5.0 (3) 16 of 71 recorded

Flexible personal finance management, see your spending, net worth and budget the way you want.

PlaidFree tier
$59/yr 30 of 71 recorded

Zero-based budgeting with bank sync, receipt capture and AI tools

PlaidFree tier
$59.88/yr 37 of 71 recorded

Budgeting and financial planning with all accounts on one dashboard, with no ads or data sales

PlaidFree tier
$59.99/yriOS 4.4 (7) 42 of 71 recorded

A finance tracker built from blocks, with linked bank accounts, AI categorization and multiple profiles

PlaidMoneyKitFree tier
$60/yr 37 of 71 recorded

AI budgeting that automates savings and debt-repayment transfers between connected banks

MXFree tier
$79.99/yriOS 4.4 (742) 36 of 71 recorded

A digital envelope budgeting app for households, with shared budgets across web, iOS and Android and optional bank sync on the paid plan.

PlaidFree tier
$80/yriOS 4.6 (13,511) 9 of 71 recorded

Links your bank, card and brokerage accounts to Claude, ChatGPT and other AI assistants via MCP to track, tag and automate everyday money tasks

MXFree tier
$83.88/yriOS 4.3 (6) 20 of 71 recorded

LunarFye

Site unreachable

Zero-based budgeting with Plaid account sync, net worth, cash flow and custom reports

PlaidFree tier
$83.88/yr 23 of 71 recorded

Budgeting, net-worth tracking and financial planning in one app, with no ads and no data sales

Free tier
$89.99/yriOS · no ratings yet 35 of 71 recorded

Free daily credit scores and reports, plus budgeting, net worth and identity protection; a paid tier adds automatic bank sync.

Free tier
$95.9/yriOS 4.8 (10,350) 26 of 71 recorded

Calendar-based budgeting that forecasts account balances up to 60 years ahead

Free tier
$119.76/yriOS 3.1 (53) 26 of 71 recorded

Connects your banks, rollover budgeting, investment tracking, shared with a partner.

PlaidData held by BigBooksFree tier
$119.88/yriOS · no ratings yet 35 of 71 recorded

Chat-based AI money app with budgeting, automated savings, credit tools and fee-free cash advances.

PlaidFree tier
$134.99/yriOS 4.7 (266,297) 19 of 71 recorded

AI financial assistant that aggregates bank, investment, crypto and property accounts for net worth tracking and answers grounded in your own data

PlaidFree tier
$204/yr 23 of 71 recorded

Mint

Discontinued

Intuit's free budgeting and net-worth app, closed in March 2024 and folded into Credit Karma

IntuitFree tier
Discontinued 28 of 71 recorded

Tap-to-add expense tracker that keeps your data on your device and syncs it through your own Google Drive or Dropbox.

Free tier
Not recordediOS 4.7 (6,780) 17 of 71 recorded

Multi-currency expense tracker with bank sync, flexible budgets, planned payments and shared household accounts.

Free tier
In-app only; App Store lists Lifetime Premium at $49.99iOS 4.6 (5,924) 33 of 71 recorded

Wilbur

Site unreachable

A Canadian ad-free budgeting app that paid users for in-app surveys, launched in 2024

PlaidFree tier
Not recorded 14 of 71 recorded

Built from the same records as the matrix. A need is a question with a real answer, not a filter preset: each of these pages is one attribute the records actually carry.

Other needs

We share moneyJoint budgets, two logins, an adviser seat42 appsInvestments come firstHoldings, transactions and performance, not just balances51 appsI'm outside the USLocal banks, local currency44 appsI want to own my dataExport, self-host, a named custodian57 appsJust a budget, nothing elseEnvelopes and rollover, no dashboard27 appsI have a business or a side hustleBusiness or rental money kept apart from personal10 appsI'm working on my creditA credit score tracked next to the accounts14 appsForecast, not recordFuture balances, not last month's23 appsKill my subscriptionsCancelled for you, not just found5 appsGet out of debtPayoff planning next to the accounts it draws on14 appsSaving for somethingA goal with a date and a number, next to the accounts47 apps