Category
Neutral reviews of budgeting and money-tracking apps, scored on price, features, transparency, and how they handle your financial data.
Budgeting Apps
After Intuit shut down Mint in early 2024, millions of budgeters migrated to a new generation of apps, and the market has settled into a few clear leaders. This guide compares five of the most widely used tools for 2026: YNAB, Monarch Money, Empower Personal Dashboard, Copilot Money, and Goodbudget.
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YNAB is a subscription budgeting app built around a zero-based, proactive method that assigns every dollar a job. It excels at behavior change and education but carries a steep learning curve and a premium price with no free tier.
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Monarch Money is a comprehensive personal-finance hub combining budgeting, net worth, and investment tracking, with strong support for couples. It is subscription-only with a short trial, and a newer Plus tier adds cost.
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Copilot Money is a design-forward budgeting and tracking app with smart categorization and strong security. Its biggest limitation is platform: it runs on iPhone, iPad, Mac, and Web, with no Android app.
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Empower Personal Dashboard (formerly Personal Capital) is a free tool that excels at net-worth and investment tracking. It is monetized indirectly: Empower markets paid wealth-management advisory services to users, who may receive sales calls.
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Goodbudget is a digital envelope-budgeting app with a genuinely free tier. The trade-off is manual entry: automatic bank sync is limited to the paid Premium plan, and the free tier caps envelopes, accounts, and devices.
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Coverage coming soon
Our budgeting apps rankings and analysis are in progress. Check back shortly.