Best Budget Apps (2021): 15 Cheap or Free Online Budgeting Apps

February 4, 2021

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There are mobile apps for just about everything nowadays. This includes online budgeting apps designed to help you improve your personal finances. Using a budget is an excellent way to eliminate debt, save money, and reach your financial goals faster. With new budgeting apps available to download every year, which ones are the best budget apps for you and your family to improve your finances?

Here are 15 budgeting apps that we like.

Explore The Best Budget Apps


One of the best budget apps, Mint allows you to sync your accounts so you can tracking spending in real-time. Users can create categories to break down spending further, which allows you to analyze your budget in a way other apps don’t. best budget apps

Mint also lets you track bills and set alerts so you never miss a payment. If that wasn’t enough, you can also check your credit score for free through Mint. Lastly, you can receive budget suggestions if you need some extra help setting yourself up for success.

Price: Free (ad supported)

Related Article: Create Your Budget on Mint in 10 Simple Steps

Personal Capital

If you are looking for a comprehensive money management program, Personal Capital is a solid choice for your family. Like other apps, you link your bank and investment accounts to be able to track spending, saving, see current balances, and check on portfolio performance.

Personal Capital

Personal Capital’s app is free to use, but they are looking to upsell you to their other financial services. The good news is you don’t have to upgrade to use their app, which is available on most devices.

Price: Free (will try to sell you financial services)

Related Post: Why You Should Track Your Net Worth (And How to Do It Easily)

Related Post: Personal Capital Review: Free Tools to Help You Build Wealth


You Need A Budget (YNAB) is budgeting software that allows you to set up and track budgets seamlessly on any device. They allow you to sync your bank accounts easily to the app.

One of the best features is the ability to set and track financial goals. YNAB will break down how to reach those goals, which is extremely helpful.

YNAB Goal Features best budget apps

Get the support you need as well, through forums, easy to use guides, weekly videos, podcasts, and live workshops.

YNAB is free to use for 34 days, then just $11.99 a month. YNAB users average $6,000 in savings in their first year of use, which makes the monthly charge a great investment.

Price: $11.99 per month / $84 per year

Related Interview: You Need a Budget (And Here's Why) – with Jesse Mecham


Tiller is the budgeting app that isn’t actually an app. Wait, what?!

Tiller believes in the power of spreadsheets. Their research shows people are more aware of their financial habits using spreadsheets over a “one size fits all” app. Tiller automatically updates Google Sheets and Excel daily with all your spending, balances and more.

Use customized templates that fit your needs. Because it’s cloud-based, you can access your information from anywhere on any device and also share access with your spouse. Tiller works with 21,000 financial sources so all your accounts are covered.

Tiller Family of Spreadsheets - Templates

Tiller will improve your financial awareness without all the manual entry normally needed with keeping spreadsheets. It’s the best of both worlds.

Price: Start with a free 30-day trial and then pay just $6.58 a month ($79/year).

Related Post: Mint vs. Tiller: Which Budgeting Tool is Better for You?

Related Post: Tiller Money Review: Take Your Spreadsheet Budget to the Next Level


Looking for a budgeting app that caters to couples? Zeta has you covered.

Zeta allows you to track all of your accounts, whether they are personal or shared. You can track spending, set financial goals, and budget together.

Zeta - Couple's Budgeting App

I love that you can tag your partner on specific transactions. Other features include bill reminders and money coaching.

Zeta now has a joint bank account that has no fees and no account minimums. It also comes with debit cards and has a built-in financial assistant. 

Price: Free

Related Article: Zeta Review: Personal Finance Budgeting App for Couples


Similar to Zeta, Honeyfi is a budgeting app with couples in mind. Family finances are always more successful when both partners are actively invested in money management. You can create a customized budget and set up payment alerts right on your phone.

Honeyfi Screen Shot best budget apps

What makes Honeyfi different from other online budgeting apps is their commitment to communication with the ability to share notes on transactions with your spouse.

Honeyfi gets everyone on the same page, saves time (and money) and gets you closer to achieving all your financial goals together.

Price: $60 per year (or $9.99 per month)

Related Article: Honeyfi Review: Budgeting App for Couples


This popular budgeting app comes from Dave Ramsey. You can start by creating an account and then set up your zero-based budget.

EveryDollar App - Budgeting Tool

EveryDollar offers a free version and a paid version (EveryDollar Plus). EveryDollar is now part of Ramsey+. Unfortunately, you can only connect to your bank and view account balances in the paid version.

The free version still allows you to create unlimited budgets, track expenses against your budgets, and get email support. Your EveryDollar account comes with a free trial of EveryDollar Plus, which costs $129.99 a year after the trial ends.  

Price: EveryDollarPlus with Ramsey+ $59.99 per 3 months, $99.99 per 6 months, $129.99 per year

Related Article: How to Save $1,000 in Dave Ramsey's Baby Step 1


Are you familiar with the envelope system for budgeting money?

The concept of envelope budgeting works, but most people don’t actually handle cash very often anymore. Mvelopes takes that concept and digitizes it with their budgeting app.

Mvelopes navigation screen showing one of the top online budgeting apps

With Mvelopes, you can split up your money into different categories. You can connect your bank account and track your income and expenses. The Mvelopes app also allows you to set a monthly budget and savings goals.

Price: Mvelopes offers 3 different plans:

  • Basic: $5.97/month
  • Premier: $9.97/month
  • Plus $19.97/month

Mvelopes Plus and Complete include varying amounts of live financial coaching help as part of their package.

Qube Money

Another budgeting app that uses the envelope system model is Qube Money (formerly known as Proactive Budget). Qube simplifies budgeting by splitting your money into several digital accounts, giving every dollar a job.  

Qube stands out from other top online budgeting apps. One reason is that customers also receive a Qube debit card. They transfer money to the card and then categorize every dollar into virtual envelopes, called qubes. When it’s time to make a purchase, open the app, and choose which qube you want to pull money from before using your card. As a safeguard, your card is declined if you skip this step.

Qube best budget apps digital envelopes

While Qube is a bit more extreme than other budgeting apps, it works. It tracks all of your spending too, so you don’t have to worry about forgetting any details. Qube now offers lifetime memberships, with options for companion and kid cards. 

The Qube card requires you to choose a qube through your smartphone. There could be potential issues if you don’t have your phone at the time of purchase or have trouble connecting to the app. 

Price: Qube Money offers 4 different plans:

  • Basic: $0
  • Premium: $6.50/month if billed annually, $8/month if billed monthly
  • Family: $15/month
  • Platinum: $25/month

Related Video: Why Digital Cash Envelope Budgeting Wins


For a simple budgeting tool to use, check out CountAbout. It’s a web-based budgeting tool that allows users to import from other programs like Quicken and Mint. Users can quickly sync account information from your bank and other financial institutions. 

CountAbout Budgeting

Other helpful features include:

  • Budgeting
  • Scheduling payment
  • Tracking payments
  • Financial Reports
  • Recurring transactions
  • Attaching receipts and images

Access to specific features depends on whether you have the basic version and a premium version of CountAbout. There’s also an add-on feature for small business owners for an extra fee. 

CountAbout is also available on iOS and Android for budgeting on the go. 

Price: CountAbout offers 2 different plans:

  • Basic: $9.99/year
  • Premium: $39.99/year
  • Other add-ons available for a cost


Wally is a simple budgeting app that allows you to follow expenses, create a working budget, and set financial goals for yourself. It is completely free, although they are working on an upgraded version they will release in the future that will have a fee.

Layers of screen displays of one of the top online budgeting apps called Wally

Some of the better features of Wally include the ability to save frequent shopping locations for easier data entry as well as assigning recurring income and expenses within the app.

Wally also allows you to scan and save receipts. If you are looking for an app that offers more than just budgeting or can connect to your accounts, one of the other options on our list might serve you better than Wally.

Price: Wally offers two options:

  • Standard: Free
  • Premium: $74.99 for lifetime access


Pocketguard is another budgeting app. This one allows users to link their accounts to the app to track spending, including: 

  • Bank accounts
  • Investment accounts
  • Loans
  • Credit cards

With Pocketguard, you can build a customized budget based on your spending habits. One nice feature is that it lets you know when you have leftover “pocket” money after paying bills and other expenses. Pocketguard allows you to set savings goals, like paying off debt or adding money to investment accounts. You can link a goal and goal account, and Pocketguard will deduct from it monthly from your pocket money. 

Pocketguard is relatively easy to use and features charts and graphs to help you visualize where your money is going and what to watch for in the future. 

The budgeting app also makes suggestions on how users can save money through partner financial services. 

Price: Pocketguard offers 2 different plans:

  • Free: $0
  • Pocketguard Plus: $4.99/month, $10.99/quarter, or $34.99 annually


Honeydue is one of the best budgeting apps available for couples.

Maybe you have separate bank accounts or perhaps you've joined your accounts together. Possibly, you have a combination of the two. Honeydue can tackle it all and help you and your partner get on the same page screen financially.

Honeydue best budgeting app

After downloading the app and creating an account, both partners choose which accounts to add. Options include checking, savings, credit cards, loans, and investments. The more accounts you connect, the more of your financial picture you can see in one place.

Of course, if you're looking to keep some things private (no ruined birthday surprises, for instance!), you can customize what information is available to your partner.

As you make different transactions, the app will record them for you. Additionally, you do have the option of customizing the transactions as well.

Find Honeydue in the App Store for iPhones and on Google Play for Android users.

Price: Free


You may be wary of linking all of your financial accounts with your online budget. The good news is you don’t have to. That’s where Goodbudget comes in. 

Goodbudget is like other best budget apps that utilize the envelope system. Instead of syncing up your personal accounts, users manually enter information. Yes, it’s more work, but it also keeps you fully invested in what’s going on with your money. It’s a nice middle ground between fully-automated budgeting and reverting to paper envelopes and a pencil. 

GoodBudget App

Goodbudget has a free version, as well as a paid version, which gives you unlimited envelope categories and customer support through email. 

Using a less automated app requires discipline for sure, so if that’s not you, opt for an app that does the work for you. But sometimes doing the work yourself allows you to see where your money is falling through the cracks. 

Price: Goodbudget offers 2 different plans:

  • Free: $0
  • Plus Plan: $7/month or $60/year

Simplifi by Quicken

Recently named the best budgeting app by Wirecutter, Simplifi rounds out our list of top online budgeting apps.

Dual screen view of two phones using one of the top online budgeting apps called Simplifi by Quicken

This budgeting tool aims to help users in four main ways. Use Simplifi to…

  1. Get a broad view of your finances overall.
  2. Track your spending and monitor areas of overspending.
  3. Set and reach savings goals.
  4. Plan for short-term and long-term goals, savings and otherwise.

Price: $39.99 billed annually or $3.99 per month

Which Of The Best Budget Apps Is Best For You?

Regardless of what method of budgeting you use, the above apps can help you gain control of your family finances. Like any financial tool, the best budget apps only work if you give them the attention they need to work properly. Some financial apps require more work upfront, connecting accounts and setting goals. Others are more straightforward.

Most of the apps listed are either free or offer a free trial so you can test them and see what works best for you.

Which one of these online budgeting apps are your favorite?

Please let us know in the comments below!

Totaling up budget by hand versus using top online budgeting apps

Kevin Payne

Kevin Payne is a freelance writer specializing in personal finance and travel. He is a regular contributor to Forbes, The Ascent, Student Loan Planner, and FinanceBuzz. His work has also been seen on sites such Credit Karma and Millennial Money. Kevin is the budget and family travel expert behind


    • I LOVE Mint! We’ve been using it for almost 7 years. I look forward to following your next goals!

  • I love YNAB and Personal Capital. I still use the old version of YNAB as I paid a one time fee for it (as I refuse to pay for subscriptions – yes, I’m cheap). As for Personal Capital, it’s a nice way to view only our investment and retirement accounts, and I love how it tracks contributions and fees.

    • Personal Capital has helped me a ton to track my net worth and analyze my fees for my retirement portfolio. You can’t argue with the price of FREE either!

  • Hey, Kevin thanks for sharing this wonderful list of budgets apps. In this era everybody spending money but managing or tracking & keeping records is also important as well in daily life to make personal finance goal easy. Thanks Keep Sharing.


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