Top 10 Budget Apps in 2026

We tested and compared the most popular budgeting apps to help you find the perfect one for your financial goals. Here's our definitive ranking.

Last updated: January 2026 • Based on features, pricing, user reviews, and hands-on testing

Quick Summary:

Best Overall: Savida

Best for Budgeting: YNAB

Best Free: Savida

Editor's Choice

Savida

★ 4.9

Best All-in-One Budget App

The only app combining personal budgeting, group expense splitting, AI coaching, and community support. Perfect for anyone who shares expenses.

Best for: People who share expenses with othersPrice: Free / $9.99/mo or $79.99/yr

YNAB

★ 4.6

Best for Zero-Based Budgeting

Give every dollar a job methodology. Great for detailed budget planners who want full control.

Best for: Serious budgeters willing to invest timePrice: $14.99/mo or $99/yr

Rocket Money

★ 4.5

Best for Bill Management

Focuses on subscription tracking and bill negotiation. Can help lower your monthly bills.

Best for: People with too many subscriptionsPrice: Free / $9.99/mo or $79.99/yr

Monarch Money

★ 4.4

Best for Visual Dashboards

Beautiful interface with excellent net worth tracking and investment monitoring.

Best for: Visual learners who want pretty chartsPrice: $14.99/mo or $99.99/yr

Copilot

★ 4.4

Best for Apple Users

iOS-only app with beautiful design and solid budgeting features. Syncs across Apple devices.

Best for: iPhone and Mac usersPrice: $10.99/mo or $69.99/yr

Splitwise

★ 4.3

Best for Simple IOUs

Popular for splitting bills with friends but lacks personal budgeting features.

Best for: Occasional expense splitting onlyPrice: Free / $4.99 Pro

Goodbudget

★ 4.2

Best for Envelope Budgeting

Digital envelope system based on cash budgeting principles. No bank sync required.

Best for: Traditional budgeters who like envelopesPrice: Free / $8/mo

PocketGuard

★ 4.1

Best for Simplicity

Shows you how much you have left to spend after bills. Very straightforward approach.

Best for: People who want minimal effortPrice: Free / $7.99/mo

Honeydue

★ 4

Best for Couples Only

Designed specifically for couples managing money together. Limited to two-person groups.

Best for: Couples who only budget togetherPrice: Free

#10

EveryDollar

★ 3.9

Best for Dave Ramsey Fans

Based on Dave Ramsey's budgeting methodology. Simple zero-based approach.

Best for: Dave Ramsey followersPrice: Free / $17.99/mo

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