Take control of your finances with the best budgeting and personal finance apps.
5 tools tested | Updated monthly | Independent reviews
The best budgeting app is the one you'll actually use. YNAB's zero-based method works best for people committed to hands-on budgeting (users save $600 in 2 months on average). Monarch Money is the best Mint replacement for those who want tracking without strict budgeting. Key differentiators: budgeting methodology, bank sync reliability, investment tracking, couples support, and mobile app quality.
Rating: 4.7/5 | Editor's Choice | Pricing: $14.99/mo or $109/yr
The zero-based budgeting app that genuinely changes your relationship with money.
Rating: 4.5/5 | Pricing: $14.99/mo or $99.99/yr
Modern personal finance dashboard for budgeting, investments, and net worth.
Rating: 4.2/5 | Pricing: Free – $12/mo
Bill negotiation and subscription cancellation app.
Rating: 4.1/5 | Pricing: Free / Plus $10/mo
Envelope budgeting app that modernizes the classic cash envelope system.
Rating: 4/5 | Pricing: Free / Premium $17.99/mo
Dave Ramsey's zero-based budgeting app designed around the Baby Steps method.
We evaluate budgeting apps by using each for 90+ days with real finances, measuring bank sync reliability, tracking accuracy, goal progress features, and reporting quality. We survey 500+ users of each app to measure real-world savings impact and long-term retention.
Based on our testing, YNAB is our top pick with a rating of 4.7/5.
We evaluate budgeting apps by using each for 90+ days with real finances, measuring bank sync reliability, tracking accuracy, goal progress features, and reporting quality. We survey 500+ users of each app to measure real-world savings impact and long-term retention.
Yes. While we may earn affiliate commissions, our editorial team tests every product independently. Ratings are never influenced by commercial relationships.
We re-test and update our budgeting apps reviews at least quarterly to ensure accuracy.
YNAB (4.7/5) and Monarch Money (4.5/5) are both top-rated. Read our detailed comparison for a side-by-side breakdown.