Actual Budget
Free, and qualifiesLocal-first envelope budgeting you can self-host, with optional bank sync
SimpleFINGoCardlessEnable BankingData held by YouFree tier
Browse / Just a budget, nothing else
Just a budget, nothing else
Envelopes and rollover, no dashboard. 27 of 89 apps qualify.
Rollover budgeting — last month's leftover carrying into this month — is what separates a budget from a spending report, and it is the single most asked-about feature in budgeting communities. 27 of 89 apps record it. Some of these also do everything else; the ones that do not are not lesser, they are focused.
Rollover budgeting: YesSorted by price27 results
FreeBudget is a free, simple budgeting app that tracks your spending, builds your budget, and monitors your net worth.
PlaidFree tier
A shared family dashboard to track assets, liabilities, budgets and renewals across household members, with real-time bank sync.
Free tier
Quicken and Simplifi import with zero-based budgeting, bank sync via three aggregators, and shared household access.
PlaidYodleeMX
Personal accounting across spending, bills, debt, investments, net worth and credit score
PlaidYodleeMXFree tier
Zero-based budgeting with real reconciliation, flexible planning, and bank sync.
PlaidSimpleFINFree tier
Budget from your bank statements: upload a PDF, CSV or Excel file, and AI sorts every transaction. No bank login, any country, any currency.
Private zero-based budgeting with no bank sync — plan by paycheck, review scanned receipts, and track prices you actually pay.
A finance app paired with personalized habit training, with optional bank sync
PlaidMXFinicityFree tier
Budgeting app for the UK, US and Canada that tracks accounts, bills and subscriptions, with credit score, net worth and crypto tracking.
TrueLayerFree tier
A complete budgeting app with forecast, multiple budgeting styles, goals, debt payoff BNPL plans, and scenarios, with a day-by-day forecast.
Web-first budgeting with multicurrency support, bank sync or CSV import, and a developer API
Plaid
Budgeting and financial planning with all accounts on one dashboard, with no ads or data sales
PlaidFree tier
A finance tracker built from blocks, with linked bank accounts, AI categorization and multiple profiles
PlaidMoneyKitFree tier
Desktop budgeting and portfolio tracking for Windows, with data stored locally
IntuitData held by You
Envelope budgeting built for ADHD brains. Rules sort your transactions and paychecks fill your slices, so the budget runs without daily upkeep.
PlaidSimpleFIN
Budgeting around what is safe to spend after bills, goals and savings are set aside
PlaidFinicitySalt Edge
AI budgeting that automates savings and debt-repayment transfers between connected banks
MXFree tier
Budgeting, net-worth tracking and financial planning in one app, with no ads and no data sales
Free tier
Automated tracking of spending, budgets, investments and net worth on web, iPhone, iPad and Mac
PlaidMXMastercard
Budgeting, net worth and planning in one app, shared with a partner or advisor
PlaidMXFinicity
Connects your banks, rollover budgeting, investment tracking, shared with a partner.
PlaidData held by BigBooksFree tier
Vlorish
Site unreachableBudgeting for freelancers, with personal and business money and estimated taxes in one place
PlaidMX
Mint
DiscontinuedIntuit's free budgeting and net-worth app, closed in March 2024 and folded into Credit Karma
IntuitFree tier
27 apps, 4 free — compare side by side · 48 apps are Unknown on rollover budgeting. Do you know one?
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 appsFree to useA real free tier, not a trial52 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