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Free financial dashboard that tracks net worth, cash flow, and investments, with budgeting insights and retirement planning tools.
Dave Ramsey’s budgeting app that lets you create a zero‑based budget, track spending, and sync across devices at no cost.
#4 Goodbudget
Envelope‑style budgeting tool (web & mobile) with a free plan that supports up to 10 envelopes and two devices.
Simplified budgeting app that shows how much money is safe to spend after bills and savings goals, with a free basic plan.
Open‑source, cross‑platform desktop app for personal finance, offering budgeting, transaction tracking, and reporting.
#7 GnuCash
Free, open‑source accounting software for individuals and small businesses, featuring double‑entry bookkeeping and budgeting reports.
#8 HomeBank
User‑friendly, open‑source personal finance manager that imports bank files, categorises expenses, and provides visual budget analysis.
#9 Buddi
Simple, open‑source budgeting program aimed at beginners, with drag‑and‑drop categorisation and basic reporting.
#10 Firefly III
Self‑hosted, open‑source personal finance manager with powerful budgeting, tagging, and reporting features.
#11 Money Lover
Free mobile‑first budgeting app that tracks expenses, sets budgets, and offers bill reminders with visual charts.
Envelope‑budgeting system that provides a free basic account for tracking spending and setting budget limits.
#13 Prism
Bill‑tracking app that also aggregates accounts and shows cash‑flow trends, available for free on iOS and Android.
#14 Wally
Free expense‑tracking and budgeting app with receipt scanning, multi‑currency support, and goal‑setting features.
#15 Splitwise
While focused on shared expenses, its free version helps households track and settle group spending, useful for budgeting together.
#16 Clarity Money
Free personal finance app that categorises spending, identifies subscriptions, and offers simple budgeting dashboards.
#17 MyBudget
Web‑based budgeting tool that lets you create monthly budgets, track transactions, and generate simple reports at no cost.
Provides a 30‑day free trial with full budgeting features, including automatic transaction import and customizable reports.
Free personal finance manager that supports budgeting, bill reminders, and multi‑account aggregation for up to 5 accounts.
Offers a free basic version for iOS/Android that tracks expenses, creates budgets, and syncs across devices via cloud.
YNAB’s acclaimed zero‑based budgeting methodology is available free for 34 days, letting you test its full feature set without charge.