Actual Budget
Free, and qualifiesLocal-first envelope budgeting you can self-host, with optional bank sync
SimpleFINGoCardlessEnable BankingData held by YouFree tier
Browse / I'm outside the US
I'm outside the US
Local banks, local currency. 44 of 89 apps qualify.
These 44 apps name at least one country beyond the US. For most of them that country is Canada, because the source sheet asked about Canada and nothing else; where a vendor has declared more, the Countries chips on its listing say so. Bank coverage outside the US comes down to the aggregator — Plaid and Flinks reach most Canadian banks, GoCardless and Enable Banking the European ones — and the Connectors row on each listing names the pipe. Multi-currency is its own attribute, and mostly Unknown.
Countries: YesSorted by price44 results
A shared household ledger for couples and roommates, with no bank connection
Data held by BoneyFree tier
Free Canadian planner for take-home pay, TFSA, RRSP and retirement. No account; your financial inputs stay in your browser.
Free tier
FreeBudget is a free, simple budgeting app that tracks your spending, builds your budget, and monitors your net worth.
PlaidFree tier
A free mobile app for couples: shared view of bank accounts, bills and budgets, with in-app chat about transactions.
PlaidFree tier
Screens 40,000+ investment options and shows after-tax yield by federal, state and investment type.
Free tier
A shared family dashboard to track assets, liabilities, budgets and renewals across household members, with real-time bank sync.
Free tier
Private offline net worth tracker for iPhone. No bank login, no account, no ads.
Free tier
Net-worth tracking that logs the important account changes, not every expense
Data held by YouFree tier
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
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
Net worth, spending, investments, real estate and vehicles tracked across US and Canadian banks
PlaidFlinksWealthicaFree tier
Quicken's cloud budgeting app: cash flow, investments and net worth in one place
Envelope budgeting with credit-card payment pools, bank sync, and one-click YNAB import
PlaidSimpleFINGoCardless
Web-first budgeting with multicurrency support, bank sync or CSV import, and a developer API
Plaid
A portfolio and account aggregator bringing institutions and crypto exchanges into one dashboard
PlaidYodleeVezgo
Flexible personal finance management, see your spending, net worth and budget the way you want.
PlaidFree tier
Mobile app that connects read only to US and Canadian bank and card accounts and flags forgotten subscriptions, bank fees and unusual charges.
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, investing and bill tracking for Mac, with data stored locally
IntuitData held by You
Desktop budgeting and portfolio tracking for Windows, with data stored locally
IntuitData held by You
Cheddar Cash
Site unreachableAI-categorized spending and budget tracking on Plaid and MX bank connections
Plaid
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
All your accounts in one view, with bills auto-detected and statement import by CSV or PDF
Plaid
AI budgeting that automates savings and debt-repayment transfers between connected banks
MXFree tier
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
LunarFye
Site unreachableZero-based budgeting with Plaid account sync, net worth, cash flow and custom reports
PlaidFree tier
Budgeting, net-worth tracking and financial planning in one app, with no ads and no data sales
Free tier
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
Chat-based AI money app with budgeting, automated savings, credit tools and fee-free cash advances.
PlaidFree tier
Canadian budgeting, net worth and retirement planning app with CPP/OAS projections and Flinks/Plaid bank connections
PlaidFlinks
Mint
DiscontinuedIntuit's free budgeting and net-worth app, closed in March 2024 and folded into Credit Karma
IntuitFree tier
Wilbur
Site unreachableA Canadian ad-free budgeting app that paid users for in-app surveys, launched in 2024
PlaidFree tier
44 apps, 9 free — compare side by side · 24 apps are Unknown on countries. 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 want to own my dataExport, self-host, a named custodian57 appsJust a budget, nothing elseEnvelopes and rollover, no dashboard27 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