Almost every budget app is free to download; few are free to use. Here's what the free version of each one actually includes, read on the US App Store listings, and what you'd pay to go further.
Data checked on October 20, 2026
Log a spend in three seconds and always see what's left: Tuppence — free, no account, no bank connection.
Dayspring Technologies, Inc. · 4.6 out of 5 (13,510 ratings)
Free envelopes, no ads
Free forever with 10 regular and 10 annual envelopes, shared across devices and the web, no ads.
The Lampo Group Incorporated · 4.7 out of 5 (84,160 ratings)
A free zero-based monthly budget
Free: monthly budget, unlimited categories, shared household budget, split transactions and bill due dates.
Simone Ruggiero
A free log and one budget, no ads
Free forever: logging, editing and deleting spending, categories and templates, a searchable ledger, the monthly summary and one overall budget. No ads in either version.
Rocket Money · 4.5 out of 5 (400,669 ratings)
Free budgeting features to start, linked accounts
Finds and cancels forgotten subscriptions, negotiates bills on your behalf, tracks spending by category across linked accounts, monitors your credit score and net worth, and offers an AI assistant (Rowan) with Premium+.
Realbyte Inc. · 4.8 out of 5 (19,571 ratings)
Free with ads, up to 10 accounts
Income and expenses with double-entry bookkeeping, accounts and cards, weekly, monthly and yearly budgets, calendar view, multiple currencies, editing from a PC over Wi-Fi and backup to iCloud.
MH Riley Ltd · 4.8 out of 5 (19,473 ratings)
Free with ads; Pro for repeating transactions and export
A simple log of expenses and income with weekly, monthly or yearly periods, an optional budget that carries over, editable categories and charts. Repeating transactions and export need the Pro Upgrade.
Reflective Technologies ApS · 4.7 out of 5 (6,768 ratings)
Free to start, Premium in-app
Very quick entry (just the amount), multiple currencies, a spending chart, custom categories, recurring records, passcode, and sync through your own Google Drive or Dropbox, also with a partner.
Check two things: whether the free version has ads, and whether the feature you need most (bank sync, sharing, export, recurring expenses) is on the free side. If you budget with a partner, Goodbudget and EveryDollar share for free. If you want no ads and no account, Tuppence's free version covers the daily log.
Goodbudget, EveryDollar and Tuppence each have a free version you can use indefinitely; each also has paid features. Bank sync is almost always paid.
Goodbudget's free version and Tuppence have no ads. Money Manager and Spending Tracker are free with ads, according to their listings.
Prices, features and ratings come from each app's US App Store listing on October 20, 2026 and may change; Tuppence's come from the app itself. Listings: Goodbudget, EveryDollar, Tuppence, Rocket Money, Money Manager (Realbyte), Spending Tracker, Monefy.
Goodbudget, EveryDollar, Ramsey+, Rocket Money, Money Manager, Realbyte, Spending Tracker, MH Riley and Monefy are trademarks of their respective owners. Tuppence is an independent project with no affiliation, sponsorship or endorsement from them. This page compares apps; it is not financial advice.