Actual Budget
Free, and qualifiesLocal-first envelope budgeting you can self-host, with optional bank sync
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.
Local-first envelope budgeting you can self-host, with optional bank sync
A shared household ledger for couples and roommates, with no bank connection
Credit scores and monitoring, with tax filing, spending insights and card and loan offers
An account-aggregating dashboard for net worth, budgeting, retirement and portfolio planning
Account aggregation for Fidelity customers: outside accounts, net worth and cash flow in one view
Free Canadian planner for take-home pay, TFSA, RRSP and retirement. No account; your financial inputs stay in your browser.
FreeBudget is a free, simple budgeting app that tracks your spending, builds your budget, and monitors your net worth.
A free mobile app for couples: shared view of bank accounts, bills and budgets, with in-app chat about transactions.
Screens 40,000+ investment options and shows after-tax yield by federal, state and investment type.
A shared family dashboard to track assets, liabilities, budgets and renewals across household members, with real-time bank sync.
The aggregator's own consumer app: accounts, spending and budgets in one place
Expense tracker and budget app with AI voice and receipt entry — no bank login needed.
Net worth tracking from the personal-finance review site, alongside its cash and investing accounts
Private offline net worth tracker for iPhone. No bank login, no account, no ads.
Budgeting and wealth management with bank connections and Mint data import
Subscription cancellation, bill negotiation, budgets and automated savings in one app
SoFi's money tracker linking SoFi and outside accounts for budgets, credit score, debt and net worth
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
Net-worth tracking that logs the important account changes, not every expense
Offline-first expense tracker and budget planner with manual accounts, net worth and optional encrypted cloud sync
Money manager and budget planner for bank, cash, e-wallet and crypto wallets, with shared wallets and per-category budgets.
Personal accounting across spending, bills, debt, investments, net worth and credit score
Zero-based budgeting with real reconciliation, flexible planning, and bank sync.
Envelope budgeting for iPhone, iPad and Mac with fast manual entry, device sync and budget sharing
A finance app paired with personalized habit training, with optional bank sync
Budgeting app for the UK, US and Canada that tracks accounts, bills and subscriptions, with credit score, net worth and crypto tracking.
Net worth, spending, investments, real estate and vehicles tracked across US and Canadian banks
A budgeting and expense-tracking app for iPhone, with shared budgets, manual accounts and net worth, plus subscription cancellation and bill lowering.
Free nonprofit budgeting app: one weekly allowance instead of categories, plus a 2-year cash-flow forecast. Transactions are entered manually.
Flexible personal finance management, see your spending, net worth and budget the way you want.
Budgeting and financial planning with all accounts on one dashboard, with no ads or data sales
A finance tracker built from blocks, with linked bank accounts, AI categorization and multiple profiles
AI budgeting that automates savings and debt-repayment transfers between connected banks
A digital envelope budgeting app for households, with shared budgets across web, iOS and Android and optional bank sync on the paid plan.
Links your bank, card and brokerage accounts to Claude, ChatGPT and other AI assistants via MCP to track, tag and automate everyday money tasks
Zero-based budgeting with Plaid account sync, net worth, cash flow and custom reports
Budgeting, net-worth tracking and financial planning in one app, with no ads and no data sales
Free daily credit scores and reports, plus budgeting, net worth and identity protection; a paid tier adds automatic bank sync.
Connects your banks, rollover budgeting, investment tracking, shared with a partner.
Chat-based AI money app with budgeting, automated savings, credit tools and fee-free cash advances.
AI financial assistant that aggregates bank, investment, crypto and property accounts for net worth tracking and answers grounded in your own data
Intuit's free budgeting and net-worth app, closed in March 2024 and folded into Credit Karma
Tap-to-add expense tracker that keeps your data on your device and syncs it through your own Google Drive or Dropbox.
Multi-currency expense tracker with bank sync, flexible budgets, planned payments and shared household accounts.
A Canadian ad-free budgeting app that paid users for in-app surveys, launched in 2024
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.