App intelligence · independent editorial
Compare budgeting and personal finance apps with structured data, not affiliate fluff.
Lumis Finance is a structured database of budgeting and personal finance apps. We track pricing, privacy, features, bank sync support, spreadsheet compatibility, and best-fit use cases — with sources, last-updated dates, and clearly marked verification status.
Currently tracking · 12 apps
Click any app to open its full profile. Each card links to verified pricing, platform, feature, and privacy data.
Actual Budget
Open-source local-first envelope budgeting app. Free if you self-host on a server, Pi, or your own machine; the project also offers a paid hosted sync service.
Copilot Money
Apple-platform personal finance app focused on automated transaction categorization and a polished UI. Subscription only; iOS, iPadOS, and macOS.
Empower Personal Dashboard
Free wealth-tracking dashboard inherited from Personal Capital. Strong on net worth, retirement, and investment portfolio analysis; lighter on transactional budgeting.
EveryDollar
Ramsey Solutions' zero-based budgeting app. Free tier supports manual budgeting; paid Premium tier adds bank sync and additional features.
Goodbudget
Manual envelope-budgeting app with shared partner access. Free tier exists with envelope and account caps; the Plus tier raises the limits and adds bank import.
Mint
DiscontinuedDiscontinued. Mint was Intuit's free, ad-supported personal finance app — for many years the default free option in the US. Intuit shut Mint down in March 2024 and migrated users to Credit Karma.
Monarch Money
All-in-one personal finance app focused on net worth tracking, account aggregation, and household budgeting. Web and mobile, with a household plan that includes partner access.
Okane Budgeting
Operator-affiliatedMobile envelope budgeting app whose backing store is a Google Sheet on the user's own Drive. Free tier with unlimited envelopes; $5/month Premium adds Plaid bank sync and on-device AI categorization.
Quicken Simplifi
Quicken's modern subscription-based personal finance app. Web and mobile, with a focus on cash-flow planning, watch lists, and recurring bills.
Rocket Money
Personal finance app focused on subscription management, balance alerts, and bill negotiation. Adds basic budgeting and automated savings on top.
Tiller
Tiller pipes daily bank transactions into a Google Sheet or Excel workbook you control. Less an app than a spreadsheet automation layer with prebuilt budgeting templates.
YNAB (You Need A Budget)
Subscription envelope-budgeting app built around the zero-based method. Web-first with iOS and Android companions. Mature ecosystem and large community; no permanent free tier.
Rankings
Each ranking is driven by explicit criteria documented on the page.
- Best Budgeting Apps for Couples Budgeting apps that actually work for two people sharing one budget. Ranked by how shared access works, what it costs, and whether the underlying method fits real households.
- Best Budgeting Apps in 2026 Budgeting apps ranked by what they actually do: how they budget, where your data lives, what they cost, and which user they fit best.
- Best Budgeting Apps With Bank Sync Budgeting apps with automated transaction import. Ranked by aggregator quality, coverage, what's locked behind paid tiers, and how the underlying budget method fits.
- Best Free Budgeting Apps Apps with a real free tier — not a 14-day trial, not a free tier so gutted it's unusable. Ranked by what you can actually do without paying.
- Best Privacy-First Budgeting Apps Budgeting apps ranked by where your data lives, what they store on their servers, and how their architecture limits exposure of your financial history.
- Best YNAB Alternatives in 2026 YNAB alternatives for envelope budgeting, ranked by free-tier availability, data ownership, and feature parity with YNAB's core method.
Head-to-head comparisons
- Monarch Money vs Copilot Money Monarch vs Copilot: both are polished post-Mint personal finance dashboards. Monarch is cross-platform and household-oriented; Copilot is Apple-only with strong native UX.
- Monarch Money vs Rocket Money Monarch vs Rocket Money: two of the most-recommended Mint replacements. Monarch is a paid household dashboard ($99/yr); Rocket Money has a real free tier and a subscription-cancellation focus.
- Okane vs Actual Budget Okane vs Actual Budget compared on data ownership, setup cost, bank sync, and platform. Both prioritize the user owning their data; the difference is whether you want to run a server.
- Okane vs Goodbudget Okane vs Goodbudget: both have a real free envelope budgeting tier. Okane has unlimited envelopes and Google Sheets sync; Goodbudget caps the free tier at 20 envelopes.
- Okane vs Monarch Money Okane vs Monarch Money compared on method, price, and data location. Different products: Okane is mobile envelope budgeting in your Google Sheet; Monarch is a household financial dashboard.
- Okane vs Tiller Okane vs Tiller: both put your budget data in a Google Sheet you own. Okane is mobile-first envelope budgeting; Tiller is a spreadsheet automation pipeline.
- Okane vs YNAB Okane vs YNAB compared on pricing, privacy, features, bank sync, and data ownership. Both use zero-based envelope budgeting; pricing and data philosophy differ sharply.
- YNAB vs Actual Budget YNAB vs Actual Budget: same envelope method, opposite product philosophy. YNAB is a polished $109/year hosted app; Actual is free, open source, and self-hostable.
- YNAB vs Goodbudget YNAB vs Goodbudget: both are envelope budgeting apps but with different price tags. YNAB is $109/year and polished. Goodbudget has a real free tier capped at 20 envelopes, with a $80/year unlimited tier.
Data tables
Structured datasets generated directly from the app collection. Every cell traces back to a profile, every profile traces back to a source.