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#2 Mint
Popular personal finance app that automatically syncs with banks, categorises transactions, and provides budgeting dashboards.
Free financial dashboard with budgeting, cash‑flow tracking, and investment analysis.
#4 Goodbudget
Envelope‑style budgeting app (web & mobile) that lets you allocate income to virtual envelopes.
#5 PocketGuard
Simple budgeting tool that shows ‘in‑your‑pocket’ money after bills and savings goals.
Dave Ramsey’s zero‑based budgeting app with manual transaction entry and basic budgeting features.
Open‑source desktop app for tracking income, expenses, and budgets with multi‑currency support.
#8 GnuCash
Free, cross‑platform accounting software suitable for personal budgeting and small‑business finances.
#9 HomeBank
User‑friendly desktop budgeting program that imports bank statements and visualises spending patterns.
#10 KMyMoney
Open‑source personal finance manager for Linux/Windows with budgeting, reporting, and scheduled transactions.
#11 Buddi
Lightweight, Java‑based budgeting tool aimed at users new to personal finance software.
#12 Firefly III
Self‑hosted, open‑source budgeting platform with multi‑user support, charts, and goal tracking.
#13 Beancount
Plain‑text double‑entry bookkeeping system that can be used for budgeting via custom reports.
#14 Ledger
Command‑line accounting tool that lets power users create budgets and generate financial statements.
#15 hledger
Haskell‑based, plain‑text accounting system with budgeting extensions and CSV import.
#16 Monefy
Android/iOS app for quick expense entry and visual budgeting; free version includes ads.
Colorful budgeting app that lets you manually add expenses and view simple charts.
While not permanently free, YNAB offers a 30‑day trial of its zero‑based budgeting methodology.
Free personal finance manager with automatic bank sync (limited to certain regions) and budgeting tools.
Expense tracker with budgeting, bill reminders, and basic financial reports.
No‑frills online budgeting spreadsheet that lets you set categories and track spending manually.