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#2 GnuCash
Mature open‑source double‑entry accounting software for personal and small‑business finance, with budgeting, reporting, and multi‑currency support.
Cross‑platform personal finance manager with budgeting, expense tracking, and detailed reports; supports multiple accounts and currencies.
#4 HomeBank
User‑friendly desktop app for personal budgeting, offering intuitive visualizations, import from banks, and powerful filtering.
#5 KMyMoney
KDE‑based personal finance manager with budgeting, investment tracking, and comprehensive reporting; works on Linux, Windows, and macOS.
#6 Buddi
Simple, open‑source budgeting tool aimed at beginners; provides easy expense categorisation and basic financial reports.
#7 Firefly III
Self‑hosted personal finance manager built for privacy‑focused users; includes budgeting, recurring transactions, and rich analytics.
#8 Beancount
Plain‑text double‑entry bookkeeping system; paired with tools like Fava for visual budgeting and reporting.
#9 Ledger
Command‑line accounting tool that stores data in plain text; supports budgeting via custom scripts and community‑built front‑ends.
Mobile‑first expense tracker with a clean UI; allows quick entry, categorisation, and simple budget overviews.
#11 Mint
Popular free online budgeting service that aggregates bank accounts, credit cards, and bills; offers alerts, goal tracking, and visual dashboards.
Wealth‑management dashboard with budgeting, cash‑flow analysis, and investment tracking; free for budgeting and net‑worth monitoring.
Goal‑oriented budgeting software with a 30‑day trial; focuses on zero‑based budgeting and real‑time syncing across devices.
Envelope‑budgeting app that works on web and mobile; free tier supports up to 10 envelopes and basic reporting.
Dave Ramsey’s budgeting tool offering zero‑based budgeting and simple expense tracking without a paid subscription.
Automatic expense categorisation and budget alerts; free plan includes basic budgeting and spending insights.
Visually rich budgeting app with manual entry and CSV import; free tier provides basic budgeting and expense charts.
Open‑source Android app for expense tracking and budgeting with charts, recurring transactions, and CSV export.
#19 BudgetSimple
Web‑based budgeting tool that lets you create simple budgets, track spending, and view progress via graphs.
Android finance manager with budgeting, multi‑currency support, and customizable reports.
Automates bank transaction imports into Google Sheets/Excel; free trial provides full budgeting capabilities via customizable templates.