Best Free Budgeting Apps 2026
Take control of your finances without spending a dime. We've tested every free budgeting app to find the ones that deliver real value.
What Makes a Great Free Budgeting App?
Bank Sync
Auto-import transactions
Insights
Understand spending patterns
No Paywalls
Core features stay free
Savida
Best Free All-in-One
Premium: $9.99/mo or $79.99/yr
Free Features Include:
Bottom Line: The most feature-rich free tier with budgeting, splitting, and AI coaching included.
Mint (Credit Karma)
Classic Free Budgeter
Premium: Free (ad-supported)
Free Features Include:
Bottom Line: Good for solo budgeting but has ads and no expense splitting.
PocketGuard
Spending Tracker
Premium: $7.99/mo
Free Features Include:
Bottom Line: Simple interface with limited free features compared to premium.
EveryDollar
Zero-Based Budgeting
Premium: $17.99/mo
Free Features Include:
Bottom Line: Great methodology but requires premium for bank sync.
Goodbudget
Envelope Budgeting
Premium: $8/mo
Free Features Include:
Bottom Line: Limited free tier with only 10 budget categories.
Splitwise
Expense Splitting Only
Premium: $4.99/mo
Free Features Include:
Bottom Line: Great for splitting but no budgeting features at all.
Fudget
Ultra Simple
Premium: $1.99 one-time
Free Features Include:
Bottom Line: Extremely basic - just a simple list with math.
Wallet by BudgetBakers
International Option
Premium: $5.99/mo
Free Features Include:
Bottom Line: Good international support but limited automation in free tier.
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