Best of 2026
The best finance apps that cost nothing to start, ranked by our editors.
Our pick: Monarch: Budget & Track Money leads with an editor score of 4.6. Monarch is a polished, well-maintained personal finance app whose collaborative budgeting, broad account aggregation, and near-perfect rating across 99K reviews make it one of the most credible all-in-one money tools on iOS, provided the subscription cost fits your budget. How we score.
| # | App | Best for | Price | Editor score |
|---|---|---|---|---|
| 1 | Monarch: Budget & Track Money | Couples or households managing shared... | Free | 4.6 |
| 2 | Cashew - Expense Budget Tracker | Manual-entry budgeters who want... | Free | 4.6 |
| 3 | Budget & Expense Tracker Monee | Budget-conscious individuals, couples... | Free | 4.6 |
| 4 | Budget Planner App - Fleur | Individuals who want a beautiful... | Free | 4.5 |
| 5 | Budget app - spending tracker | Detail-oriented budgeters who want a... | Free | 4.4 |
| 6 | Goodbudget Budget Planner | Couples and households committed to the... | Free | 4.4 |
| 7 | Microsoft Excel | Microsoft 365 subscribers who need... | Free | 4.3 |
| 8 | EveryDollar: Budget Management | Debt-payoff followers and couples... | Free | 4.3 |
| 9 | YNAB | Motivated budgeters who want a... | Free | 4.3 |
| 10 | Copilot: Track & Budget Money | Subscription-comfortable users who want... | Free | 4.3 |
Monarch is a polished, well-maintained personal finance app whose collaborative budgeting, broad account aggregation, and near-perfect rating across 99K reviews make it one of the most credible all-in-one money tools on...
Read the full Monarch: Budget & Track Money review
Cashew is a solo-built, free expense and budget tracker that earns its near-perfect 4.93 rating through flexible budgeting periods, dedicated subscription tracking, and consistent updates that put many larger-team apps...
Read the full Cashew - Expense Budget Tracker review
Monee delivers genuinely frictionless expense tracking with no registration, no ads, and no subscription wall, rewarding disciplined manual loggers who want clean visibility into shared or personal finances.
Read the full Budget & Expense Tracker Monee review
Fleur wins by making money management feel light instead of stressful, earning it a place as the ideal first budget app for anyone who has bounced off heavier, more demanding tools.
Read the full Budget Planner App - Fleur review
Budget App by InnerGrow is a maximalist, privacy-forward spending tracker that packs an impressive breadth of personal-finance tools into a single free package, making it the strongest choice for users who want one app...
Read the full Budget app - spending tracker review
Goodbudget brings the time-tested cash-envelope method into the digital age with household sync and a web app, making it the go-to budgeting tool for couples and families who prefer intentional, manual money management...
Read the full Goodbudget Budget Planner review
Microsoft Excel on iOS is the most faithful mobile spreadsheet available for Microsoft 365 subscribers, though free-tier users will hit a deliberate feature ceiling faster than the App Store listing suggests.
Read the full Microsoft Excel review
EveryDollar is a disciplined zero-based budgeting app built around Dave Ramsey's philosophy, rewarding intentional planners while reserving automatic bank syncing for paid Ramsey+ subscribers.
Read the full EveryDollar: Budget Management review
YNAB is a rigorously designed zero-based budgeting app that consistently earns its exceptional ratings by demanding genuine engagement from users and rewarding that effort with real financial clarity.
Read the full YNAB review
Copilot is a design-forward, subscription-based budgeting app that earns its 4.76-star reputation by combining smart auto-categorization, cross-platform sync, and a genuinely ad-free experience for users willing to pay...
Read the full Copilot: Track & Budget Money review