Tested and ranked by our editorial team. We cover pricing, free trials, multi-currency support, and who each app is best for.
Prices correct as of June 2026. Some links are affiliate links — see our disclosure.
| App | Price | Free Trial | Best For | Multi-Currency | Rating | Get Started |
|---|---|---|---|---|---|---|
YNAB Editor's Pick |
$14.99/mo or $99/yr | ✅ 34 days | Zero-based budgeters | ✅ Yes | ★★★★★ 4.8 | Try Free → |
Monarch Money |
$14.99/mo or $99.99/yr | ✅ 7 days | Couples & families | ✅ Yes | ★★★★★ 4.7 | Start Free → |
Rocket Money |
Free – $12/mo | ✅ Free tier | Subscription cancelling | ❌ US only | ★★★★☆ 4.5 | Get Started → |
EveryDollar |
Free – $17.99/mo | ✅ 14 days | Beginners | ❌ US only | ★★★★☆ 4.4 | Try Free → |
PocketGuard |
Free – $12.99/mo | ✅ Free tier | Overspenders | ❌ US only | ★★★★☆ 4.3 | Download Free → |
* Affiliate disclosure: We may earn a commission if you sign up through our links at no extra cost to you.
Zero-based budgeting done right. Best educational resources, strong community, and the most effective method for actually changing spending habits. Multi-currency support makes it ideal for international users.
Try YNAB Free →Shared household budgets, joint net worth tracking, and clean reporting make Monarch the top pick for couples and families. Also excellent for expats thanks to multi-currency support.
Try Monarch →The free tier covers most basics and its subscription cancellation feature can save you more than any paid app costs. US users only, but excellent value at zero cost.
Try Rocket Money →Get our free app-matching guide — we'll recommend the right budgeting app for your situation in under 60 seconds.
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