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Roundup

Best budgeting apps for Windows, Mac and iPad in 2026

Which budgeting apps run on a Windows PC, a Mac or an iPad, and which only work in a browser, from each app's own pages.

Written by Wyatt, founder of Wonderful

From each app's download, pricing and help pages, read November 3, 2026.

Updated November 3, 2026 · 13 min read

We make Wonderful, and it's on this list. Everything said about the other apps comes from their own pricing and help pages, the app stores and what their users say in public, each linked in the sources. Nobody paid to be listed, and we don't earn anything if you pick one of them.

On this page
  1. The short version
  2. At a glance
  3. How we compared
  4. On Windows
  5. On a Mac
  6. On an iPad
  7. On any computer, by browser
  8. 1. Wonderful
  9. 2. Monarch Money
  10. 3. YNAB (You Need A Budget)
  11. 4. Copilot Money
  12. 5. Quicken Simplifi
  13. 6. Quicken Classic
  14. 7. Moneydance
  15. 8. Banktivity
  16. 9. GnuCash
  17. 10. Actual Budget
  18. 11. Tiller
  19. 12. Goodbudget
  20. Left out: phone-first apps
  21. How to choose
  22. Where Wonderful fits
  23. Questions people ask
  24. Sources

The short version

For installed software, Quicken Classic and Moneydance run on Windows and Mac, GnuCash and Actual Budget are free, and Banktivity and Copilot are Mac and iPad apps. For nothing to install, YNAB, Monarch, Simplifi and Wonderful, which we make, run in a browser on any computer. Only Copilot, Banktivity, YNAB and Monarch say iPad.

  1. 1

    Wonderful: Any device with a browser; no app to install

  2. 2

    Monarch Money: Web on a computer, plus an iPad app

  3. 3

    YNAB (You Need A Budget): A web app that is also on iPhone, iPad and Android

  4. 4

    Copilot Money: The Apple set: iPhone, iPad, Mac and web

  5. 5

    Quicken Simplifi: A web app on any computer; no Mac or Windows program

  6. 6

    Quicken Classic: Installed software for Windows and Mac

  7. 7

    Moneydance: Buy-once software for Mac, Windows and Linux

  8. 8

    Banktivity: A Mac-native app that also runs on iPhone and iPad

  9. 9

    GnuCash: Free accounting software for Windows, Mac and Linux

  10. 10

    Actual Budget: Free desktop app for Windows, Mac and Linux

  11. 11

    Tiller: A spreadsheet in Google Sheets or Excel

  12. 12

    Goodbudget: Envelopes on the web, iPhone and Android

At a glance

AppWindows PCMaciPadIn a browserPrice
WonderfulBrowserBrowserBrowser, not listedYes$14.99/mo or $99/yr
Monarch MoneyBrowserBrowserYesYes$14.99/mo or $99.99/yr
YNAB (You Need A Budget)BrowserBrowserYesYes$14.99/mo or $109/yr
Copilot MoneyBrowserYesYesYes$13/mo or $95/yr
Quicken SimplifiBrowserBrowserNot namedYes$6.99/mo; $3.99/mo the first year
Quicken ClassicYesYesCompanion appNo$4.49/mo
MoneydanceYesYesCompanion appNo$9/mo or $90/yr
BanktivityNoYesYesNo$6.99/mo or $59.99/yr
GnuCashYesYesNoNoFree
Actual BudgetYesYesBrowser onlyNot for long-term useFree
TillerSheets or ExcelSheets or ExcelNot namedVia Google Sheets$99/yr
GoodbudgetBrowserBrowserNot namedYesFree, or $10/mo or $80/yr
From each app's own download, pricing and help pages, read November 3, 2026. 'Browser' means it works in the web app; 'Yes' means the page names that device. 'Not named' means the page we read doesn't say, not that it fails.

How we compared

This page sorts by the device on your desk, not by what the app does. Two of our pages already cover neighbors, so we kept to the device question. If you want to know what a web app does that its phone app doesn't, see best budgeting websites. If you want installed software against web apps, how transactions get in and what happens if you stop paying, see best budgeting and personal finance software.

  • Is there a program for your system. Windows 11, macOS, iPadOS, or only a website.
  • Does the browser version do everything. Or is it a lighter copy of the app.
  • Does your tablet get an app. iPad is listed by name or it is not.
  • Does it sync across devices. The same budget on your PC and your tablet.
  • Price. One-time, yearly or free.

We read each app's download, pricing and help pages and have not used them ourselves. Where a page doesn't name a device, we say "not named" and leave you to check the App Store or the company.

On Windows

If you want a program you install, the Windows choices are older desktop software. Quicken Classic is "available on Windows and Mac," and its Lifetime Planner is Windows only.[5] Moneydance lists macOS, Windows and Linux downloads.[3] GnuCash lists Windows 8, 10 and 11.[4] Actual Budget has a desktop app for Windows, Mac and Linux.[11]

For no install, the web apps work in Edge or Chrome: YNAB, Monarch, Simplifi, Goodbudget and Wonderful. Copilot and Banktivity are the exceptions. Banktivity has no Windows version at all, and says it "is not a web app."[6] Copilot's pricing page lists iPhone, iPad, Mac and web, and does not name Windows.[2]

On a Mac

The Mac has the most native choices. Copilot and Banktivity are Mac apps; Quicken Classic, Moneydance, GnuCash and Actual Budget have Mac versions. GnuCash has separate builds for Apple silicon (macOS 11 or later) and Intel (macOS 10.13 or later).[4] Banktivity runs "natively on your Mac, iPhone and iPad."[6]

Again, YNAB, Monarch, Simplifi and Wonderful work in Safari or Chrome without installing anything. Copilot's Mac app matters if you want the iPhone, iPad and Mac to look alike, and it has no Android app.[33][2][34]

On an iPad

An iPad app is named in fewer places than you would expect. The ones that name it:

  • Copilot: "iPhone, iPad, Mac, and Web included."[2]
  • Monarch: the download page lists web, iPhone, iPad and Android in the United States and Canada.[1]
  • YNAB: its App Store profile lists iPad; its features page says "computer, phone, or tablet."[9]
  • Banktivity: Mac, iPhone and iPad.[6]
  • Quicken Classic and Moneydance: companion apps for iPhone or iPad that need the desktop program to be useful.[52][55]

Simplifi's product page lists web and mobile, with App Store and Google Play badges, and does not name iPad.[10] Goodbudget says "Available on the Web, Android, and iPhone."[8] Both work in Safari, but check the App Store before you count on an iPad layout. One January 2026 App Store reviewer of Moneydance wrote that the "iPad app will not display the transactions for some accounts."(review)

On any computer, by browser

A browser app means one version for Windows, Mac and Linux, and nothing to update. YNAB, Monarch, Simplifi, Goodbudget and Wonderful all run this way. Tiller is a spreadsheet: it feeds your bank transactions into Google Sheets or Excel, and its page says "For Google Sheets and Microsoft Excel" without naming devices.[7] Actual Budget also has a browser version, but its docs say it keeps data only in the browser and is "not recommended for long-term use."[11]

1. Any device with a browser; no app to install

Wonderful

$14.99/mo or $99/yr· Web

What it is

A budgeting app for couples who keep their own money, and for one person: each of you connects your own bank, chooses what the other sees, and every paycheck gets a plan.

Why it's on this list

We make Wonderful. It runs in the browser, so a Windows PC or a Mac with a modern browser works, and there is nothing to install. Its pages don't list tablets by name, so try it on an iPad during the free week. There is no iPhone or Android app yet.

Each paycheck gets a plan for bills, spending and saving before it lands, charges are sorted from your bank through Plaid, and it lists what is due before your next paycheck. After a free week it is $14.99 a month or $99 a year for the household, and there is no free plan.

Ideal for: One person or a couple who want to plan paychecks on a computer, with nothing to install.

What it does

  • Every paycheck gets a plan for bills, spending and saving before it lands.[14]
  • Banks connect through Plaid and every charge is sorted into a category.[13][14]
  • Mine, yours and ours: each charge counts for the person or the pair it belongs to.[14]
  • Finds recurring charges and subscriptions, lists what's due before your next paycheck, and flags a bill that comes in higher than usual. It doesn't cancel them for you.[14]
  • Texts you by iMessage when a bill is charged twice, a price goes up or a refund lands, and you can text it questions.[14]
  • Savings goals show the month you'll reach them.[14]
  • Net worth for each of you and for both, from the balances your banks send, with its line over time.[14]
  • Life events like getting married come step by step, with the deadlines.[14]
Wonderful's Home for the demo couple: $2,696 left to spend this month, a month score of 80, and what's going well and what to fix.
The demo couple's month in Wonderful. Made-up people, real app.
Start freeSee the demo coupleFree for a week. Nothing is charged until it ends.

Good

  • Built for two people who keep their own money, not only for couples who merge it.[14]
  • One price covers both partners.[12]
  • Each person decides what the other sees, per account.[13]
  • Tracks who owes whom, so there's no separate split app.[14]

Not so good

  • No iPhone or Android app yet; it runs in the browser.[14]
  • No free plan after the trial.[12]
  • No investment advice or portfolio analysis; investments count toward net worth as balances.[14]
  • New, so it has no app store ratings yet.[14]

Pricing

  • Monthly[12]$14.99 a monthFor the whole household, both partners
  • Yearly[12]$99 a yearFor the whole household, both partners
  • A free week, plus more days for finishing parts of setup. A card is added to start it and nothing is charged until it ends.[12]
  • No free plan after the trial.[12]

2. Web on a computer, plus an iPad app

Monarch Money

$14.99/mo or $99.99/yr· iPhone, Android, Web· App Store 4.9 (116K)[16]· Google Play 4.8 (26.1K)[17]· Trustpilot 2.0 (33)[25]

What it is

A paid budgeting and net worth app that pulls every account into one place and lets a partner join under the same subscription.

Why it's on this list

Monarch's download page lists web, iPhone, iPad and Android, and says the web version has the full tools in a browser on a computer. It does not list a Windows or Mac program. After a free first week it costs $14.99 a month or $99.99 a year, and a partner joins at no extra cost.[1]

Ideal for: Someone who works on a laptop and wants an iPad app for the couch.

What it does

  • Connects bank accounts, credit cards, loans, investment accounts and real estate, through 13,000+ financial institutions.[18]
  • Tracks net worth across all connected accounts.[16][18]
  • Sorts transactions automatically and searches across every account in one list.[16][18]

Good

  • A partner joins under the same subscription at no extra cost, with a separate login.[19][20]
  • Two people can fund a shared goal even when their money sits in separate accounts.[20]
  • Works on iPhone, iPad, Android and the web.[16][17][18]
  • Rated 4.9 on the App Store (116K ratings) and 4.8 on Google Play (26.1K reviews).[16][17]

Not so good

  • No free plan after the first week.[15][16]
  • Paid monthly it is $14.99, which is $179.88 over twelve months, against $99.99 billed yearly.[15]
  • Forecasting, several income sources and deeper investment tracking sit in the Plus tier. The App Store shows Plus at $199.99 a year; the pricing page lists no Plus price.[15][16]
  • A partner sees all accounts and transactions. The couples page describes no way to keep one account private.[19][20]

Pricing

  • Monthly[15][16]$14.99 a monthPricing page and App Store both show $14.99. The pricing page does not say which tier it is.
  • Yearly[15][16]$99.99 a yearBilled yearly. The pricing page names two tiers, Core and Plus, but lists only these two prices.
  • Yearly Plus[15][16]$199.99 a yearShown only as an in-app purchase on the App Store. The pricing page says Plus adds forecasting tools, tracking several income sources like a small business, and deeper investment tracking.
  • The pricing page says "Your first week is on us." The App Store says the app is free to try for 7 days before a monthly or annual membership is billed. Neither says whether a card is needed.[15][16]
  • No free plan is listed on the pricing page or the App Store. The only free access is the first week.[15][16]
App Store review (5 stars)· July 2026
“I switched to Monarch after Mint was discontinued. I initially wasn’t too interested in a paid service, but Monarch is fantastic for budgeting and doing personal finance at $100 a year. Well worth the price.”
Read it where it was said ↗

3. A web app that is also on iPhone, iPad and Android

YNAB (You Need A Budget)

$14.99/mo or $109/yr· iPhone, Android, Web· App Store 4.8 (62K)[28]· Google Play 4.6 (25.4K)[29]· Trustpilot 4.6 (3,138)[32]

What it is

A paid budgeting app built on a method: give every dollar a job before you spend it.

Why it's on this list

YNAB says you can reach it "on your computer, phone, or tablet (even offline!)" and that it updates across devices.[9] It lists iPhone, iPad, Apple Watch, Android and the web. A 34-day trial needs no card on its site, then $14.99 a month or $109 a year.[9][28]

Ideal for: Someone who wants the same method on a PC, an iPad and a phone.

What it does

  • The method: for every dollar, ask "What's it for?" Plan for now (before the next paycheck), for later (non-monthly bills like car repairs), and for ease (get a month ahead).[27]
  • Bank import links accounts and brings in transactions automatically. Apple Card import is also listed.[9]
  • Targets: set spending and savings goals per category and track progress at a glance.[9]

Good

  • A written method, not just a tracker: the app is built around planning before spending.[27]
  • One subscription covers up to six people at no extra cost.[26]
  • A 34-day trial with no card when you sign up on the site, and a free 365-day trial for college students.[26]
  • Rated 4.8 on the App Store (62K ratings) and 4.6 on Google Play (25.4K).[28][29]

Not so good

  • No free plan after the trial.[26]
  • Paid monthly it is $14.99, which is $179.88 over twelve months, against $109 billed annually.[26]
  • The website says a 34-day trial and the App Store says 30 days.[26][28]
  • The method asks you to plan each dollar before you spend it, which the company's method page presents as the whole point of the app.[27]

Pricing

  • Monthly[26][28]$14.99 a monthPlus tax where applicable. The App Store lists a $14.99 subscription too.
  • Annual[26][28]$109 a yearPaid annually; the page shows it as $9.08 a month and says it saves $70 against paying monthly. The App Store lists $109.00.
  • The pricing page says a 34-day free trial, no card needed when you sign up directly with YNAB. An app store sign-up may ask for card details. The App Store listing says a 30-day trial, not 34.[26][28]
  • No free plan. The only free access is the trial, and the college program below.[26]
App Store review (5 stars)· September 2026
“Budgeting works if you want to change your life. In 10 years of using YNAB we went from being a total of $250,000 in debt to $950,000 in net worth. It takes time and commitment to change.”
Read it where it was said ↗

4. The Apple set: iPhone, iPad, Mac and web

Copilot Money

$13/mo or $95/yr· iPhone, Web, Mac· App Store 4.8 (31K)[35]

What it is

A paid budgeting and net worth app for Apple devices and the web, with an AI money assistant and one plan that does everything.

Why it's on this list

Copilot lists "iPhone, iPad, Mac, and Web" as included and no Android app. The pricing page shows $109 billed yearly instead of $119, or $18 a month, and the page does not mention a free trial; the App Store and FAQ describe one month free. A partner invite is shown as coming, so today it suits one person.[2]

Ideal for: Someone who lives on Apple devices and wants a polished Mac app.

What it does

  • Money Assistant: an AI you can ask about your money. The page says it "always asks before acting." It can fix transactions, run instructions in the background and flag spending trends with budget suggestions. The App Store says it is available only on iPhone.[33][35]
  • Connects to 16,000+ US institutions through read-only integrations, with direct links for Venmo, Apple Card and Coinbase.[34][35]
  • Sorts transactions automatically, and the assistant can change a category or match a refund to its purchase. You can set your own categories with colors and emojis.[33][35]

Good

  • One plan with everything in it. There are no tiers.[2]
  • Direct connections to Venmo, Apple Card and Coinbase.[34][35]
  • Rated 4.8 on the App Store from about 31K ratings.[35]
  • No ads, and the FAQ says it does not sell financial data.[34]

Not so good

  • No Android app. The pages list iPhone, iPad, Mac and web only.[33][2][34]
  • Sharing with a partner is not live. Households are marked "Coming soon."[33][2][34]
  • No free plan after the trial.[34]
  • The website and the App Store show different prices: $18 a month or $109 a year (shown as $9 a month) on the site, $13.00 and $95.00 on the App Store.[2][35]

Pricing

  • Website, monthly[2]$18 a monthBilled monthly. The pricing page calls it "One simple plan" (checked in a browser 10/27).
  • Website, yearly[2]$109 a yearShown as $9 a month, billed yearly, "instead of $119", and labeled a limited time offer.
  • App Store, monthly[35]$13 a monthListed as $13.00 on the App Store, which is not what the pricing page shows.
  • App Store, yearly[35]$95 a yearListed as $95.00 on the App Store.
  • The App Store and the FAQ say one month free for new users. The pricing page does not state a trial or whether a card is needed.[2][34][35]
  • No free plan. The FAQ says there is no permanent free tier.[34]
App Store review (3 stars)· June 2026
“Mostly good, but slow to implement basic features. It feels like they did a sprint to launch and stopped improving it. Disappointed given the premium price point.”
Read it where it was said ↗

5. A web app on any computer; no Mac or Windows program

Quicken Simplifi

$6.99/mo; $3.99/mo the first year· iPhone, Android, Web

What it is

A web and mobile budgeting app from Quicken that links accounts, builds a spending plan, projects cash flow and tracks bills, goals and investments.

Why it's on this list

Simplifi is a cloud app that runs on the web and mobile. Its page offers no Windows or Mac program (the "Windows and Mac" line is for Quicken Classic) and does not name iPad. It is $3.99 a month billed annually in the first year, with no free trial but a 30-day money-back guarantee.[10]

Ideal for: Someone on Windows who wants a cloud app rather than a program.

What it does

  • A spending plan that shows what you can spend per day.[10]
  • Projected cash flow with "what-if" scenarios.[10]
  • Tracks upcoming bills and subscriptions and shows all your subscriptions.[10]

Good

  • A partner can use the shared space without paying for a second subscription.[38]
  • 30-day money-back guarantee on purchases made directly from Quicken.[39][40]
  • Every support channel is included with every subscription.[37]
  • Covers budgeting, bills, investments and a retirement planner in one subscription.[10]

Not so good

  • No free plan and no free trial.[40]
  • Annual billing only, and renewal is at the then-current rate, not the first-year offer.[10][40]
  • Only one shared space and one additional member; no way to share only some accounts.[38]
  • A person invited to share must accept on the web app; signing in on the mobile app prompts them to subscribe.[38]

Pricing

  • Simplifi, first-year offer[10]$3.99 a monthBilled annually. The page says the final price may differ from the monthly price times 12, and the offer is for the first year when ordered directly from Quicken by November 29, 2026.
  • Simplifi, price shown beside the offer[10]$6.99 a monthBilled annually. Shown next to $3.99 on the page without a label. The subscription renews at "the then-current rates".
  • "While we do not offer a free trial" there is a 30-day money-back guarantee from the original purchase date, for purchases made directly on Quicken.com.[40]
  • No free plan. Simplifi "requires an active annual subscription"; without one you cannot view your data or add transactions.[40]
App Store review· July 2026
“Easy to set up. For me it’s great! Tracking my finances - I only have to look in one place for everything. Love it!”
Read it where it was said ↗

6. Installed software for Windows and Mac

Quicken Classic

$4.49/mo· iPhone, Android, Mac· App Store 4.6 (15K)[46]· Trustpilot 3.6 (84,643)[47]

What it is

Desktop money software for Windows and Mac, with a companion phone app, that downloads bank transactions, budgets and tracks bills and investments.

Why it's on this list

Quicken Classic is desktop software "available on Windows and Mac," with a separate companion app on the App Store and Google Play. The Lifetime Planner is Windows only. Quicken lists Classic Deluxe at $6.99 a month billed annually with 40% off, and there is no web version.[5]

Ideal for: Someone on Windows or Mac who wants local data, investments and bill pay.

What it does

  • Links bank and credit card accounts and downloads and categorizes spending automatically.[44]
  • Budgets: a simple monthly budget on Starter, multiple budgets on Deluxe.[5][44]
  • Tracks upcoming bills and subscriptions; bill pay is on Premier, for "over 10,000 billers".[5][45]

Good

  • Data stays local on the desktop product.[5]
  • Covers investments, tax reports and bill pay, which Starter leaves out.[44][45]
  • Four tiers, from $4.49 a month billed annually.[43][44]
  • 4.6 stars on the App Store from about 15K ratings for the companion app.[46]

Not so good

  • No free plan.[43]
  • Discounted prices are for the first year; renewal is at the then-current price.[5][45]
  • Windows only: Lifetime Planner and Morningstar Portfolio X-Ray.[5][45]
  • Bill pay is Premier only; Deluxe only tracks upcoming bills.[5][45]

Pricing

  • Classic Starter[44]$4.49 a monthBilled annually. The 40% off does not apply to Starter. No investment tracking.
  • Classic Deluxe[43][5]$6.99 a monthBilled annually, shown with 40% off. Multiple budgets, debt reduction, retirement planning. Windows and Mac.
  • Classic Premier[43][45]$7.99 a monthBilled annually, down from $8.99 (40% off). Adds investing tools, tax reports and bill pay for over 10,000 billers.
  • Classic Business & Personal[43]$10.99 a monthBilled annually, down from $12.49 (40% off). Business and personal finances in one place.
  • No free plan is listed. The App Store lists the companion app as Free.[43][46]
Trustpilot review of quicken.com· October 2026
“...It is easy to keep updated, because spending and income are automatically imported into the account.”
Read it where it was said ↗

7. Buy-once software for Mac, Windows and Linux

Moneydance

$9/mo or $90/yr· iPhone, Android, Mac· App Store 4.7 (982)[55]

What it is

Desktop money software for macOS, Windows and Linux that you buy once, with free iPhone, iPad and Android companion apps, that tracks accounts, budgets, bills and investments.

Why it's on this list

Moneydance's page lists macOS, Windows and Linux downloads, plus free iPhone, iPad and Android apps. It offers a fully functional trial limited to 100 manually entered transactions, and a 90-day money-back guarantee.[3] Its buy-once price is $65 per household, with an optional Moneydance+ add-on at $4 a month or $40 a year. One 2026 reviewer says they have never got the desktop version to download transactions automatically.

Ideal for: Someone who wants to buy software once, on Mac, Windows or Linux.

What it does

  • Runs on macOS, Windows and Linux, with a download page for other platforms.[3]
  • "Moneydance can automatically download transactions and send payments online from hundreds of financial institutions." Its purchase page says the subscription includes syncing with "over eleven thousand North American banks".[52][53]
  • Your data is "private, encrypted, and never shared", and a review the page quotes describes "an architecture based on local storage".[52]

Good

  • A $65.00 one-time price per household, with a 90-day money-back guarantee.[53][54]
  • Runs on macOS, Windows and Linux, with free phone apps.[52]
  • Local storage; the data is described as private and encrypted.[52]
  • 4.7 stars on the App Store from 982 ratings for the phone app.[55]

Not so good

  • Moneydance+, which the purchase page ties to syncing with 11,000+ North American banks, is not in the $65.00. It is $4.00 a month or $40.00 a year on top.[53]
  • No web app. The phone apps need the desktop program.[52][55]
  • The pages name no bank connection method and give no list of supported banks.[52][3]

Pricing

  • Moneydance 2024, buy once[53]$65.00 once, per household. Includes a free upgrade to the next major release. Moneydance+ is not included.
  • Moneydance+ add-on[53]$4.00 a month or $40.00 a year on top of the one-time purchase. Optional.
  • Subscribe instead of buying (software and Moneydance+)[53]$9 a month · $90 a year$9.00 a month or $90.00 a year. "Get Moneydance 2024 and all future updates, as well as unlimited syncing with over eleven thousand North American banks."
  • A free trial that is "fully functional but limited to entering up to 100 manually entered transactions." Moneydance+ subscriptions have a 14-day free trial.[52][53]
  • No free plan. The iPhone, iPad and Android apps are free, and the iPhone app needs the desktop version of Moneydance to be useful.[55][3]
Hacker News· September 2021
“I've been a happy Moneydance user for 10+ years. While I'm a proponent of Open Source software, sometimes it's useful to spend a little to get fit, finish, and support.”
Read it where it was said ↗

8. A Mac-native app that also runs on iPhone and iPad

Banktivity

$6.99/mo or $59.99/yr· iPhone, Mac· Trustpilot 2.8 (35)[58]

What it is

A money app that runs natively on Mac, iPhone and iPad, with net worth tracking, budgets, goals and investments.

Why it's on this list

Banktivity says it "is not a web app" and runs on Mac, iPhone and iPad, with no Windows or Android version.[6] Plans are Bronze, Silver and Gold, each with a 30-day free trial for first-time customers. If you move to a Windows PC later, you can't take it with you.

Ideal for: Someone on a Mac and an iPad who wants a native app and net worth.

What it does

  • Bank accounts, savings accounts and credit cards sync automatically; investment and retirement accounts contribute their current market value.[57]
  • Real estate, vehicles, precious metals and crypto "can be added and updated whenever their value changes."[57]
  • A mortgage can be linked to its home, so collapsed you see net home equity and expanded the home value and the loan balance.[57]

Good

  • Real estate, vehicles, metals and crypto can be added by hand.[57]
  • Links a mortgage to its home to show equity.[57]
  • Plans start at $59.99 a year, billed annually.[6]
  • 30-day free trial.[6]

Not so good

  • "Banktivity is not a web app": it runs on Mac, iPhone and iPad only, with no Android app.[6]
  • Real estate tracking starts on the Silver plan.[6]
  • Vehicle values are not updated automatically.[57]
  • Its pages show no app store rating and no partner sharing.[6][57]

Pricing

  • Bronze[6]$6.99 a month · $59.99 a year$6.99 a month billed monthly, or $59.99 billed annually ($4.99 a month). Bank and card sync, budgets, debt payoff, emergency fund and goals.
  • Silver[6]$8.99 a month · $79.99 a year$8.99 a month billed monthly, or $79.99 billed annually ($6.67 a month). Adds downloadable stock prices, goals tools and real estate tracking.
  • Gold[6]$10.99 a month · $99.99 a year$10.99 a month billed monthly, or $99.99 billed annually ($8.33 a month). Adds accounts in different currencies and downloadable exchange rates and crypto prices.
  • "All plans include a 30-day free trial!" It is for first-time customers only.[6]
  • No free plan is listed, only the 30-day trial.[6]

9. Free accounting software for Windows, Mac and Linux

GnuCash

Free· Mac

What it is

Free, open-source double-entry accounting software for Windows, Mac and Linux that tracks bank accounts, stocks, income and expenses, with no subscription.

Why it's on this list

GnuCash is free double-entry accounting software. Its download page lists Windows 8, 10 and 11, macOS 11 or later on Apple silicon and 10.13 or later on Intel, and Linux through distribution packages, a Flatpak or source. It has no phone app in our profile.[4] It is more accounting than budget, so expect a learning curve.

Ideal for: Someone who is comfortable with accounting terms and wants no subscription.

What it does

  • "Personal and small-business financial-accounting software" that tracks bank accounts, stocks, income and expenses, using double-entry bookkeeping.[59]
  • Imports Intuit Quicken QIF files "using a practical assistant". Its guide has sections for importing QIF, OFX/QFX and CSV files.[60][62]
  • Matches imported transactions against existing ones so "duplicate transactions are accurately recognized and automatically deleted during file import".[60]

Good

  • Free, with no subscription or account listed.[59]
  • Runs on Windows, Mac and Linux.[59][4]
  • Imports QIF, OFX/QFX and CSV files, and removes duplicates on import.[60][62]
  • Data is stored in XML by default, or in a SQL database.[60]

Not so good

  • Its pages describe no automatic bank download for US banks: OFX Direct Connect is called obsolete, and online banking is built for European protocols.[61]
  • The pages describe no phone app and no web app.[59][4][60]
  • The SQL storage option is called experimental, with reports of data loss in corner cases.[60]

Pricing

  • GnuCash[59]Free"Free Accounting Software", "freely licensed under the GNU GPL". No paid plan, trial or account.
  • The whole program is free. The pages list no paid tier and no hosted service.[59]

10. Free desktop app for Windows, Mac and Linux

Actual Budget

Free· Web, Mac

What it is

A free, open-source, local-first budgeting app you run as a desktop app or on a server you host, with envelope-style budgeting and optional bank sync.

Why it's on this list

Actual Budget is free and open source. Its docs list a desktop app for Windows, Mac and Linux, a browser version at app.actualbudget.org that keeps data only in the browser, or a server you host.[11] Bank sync is optional and paid to a separate service, such as SimpleFIN Bridge at $1.50 a month or $15 a year.[63][65][66]

Ideal for: Someone who wants free envelope budgeting and keeps data on their own machine.

What it does

  • "Unabashedly local-first software": the app works on your device and your data is synced in the background so all devices have access.[63]
  • Optional end-to-end encryption means your data "remains unreadable, even to the server".[63]
  • Desktop app for Windows, Mac and Linux (download from GitHub), a browser version at app.actualbudget.org that keeps data only in the browser and is "not recommended for long-term use", or a server you host with Docker, a command, PikaPods or Fly.io.[11]

Good

  • Free and open source (MIT license).[66]
  • Data stays on your devices; optional end-to-end encryption.[63]
  • Desktop apps for Windows, Mac and Linux, or a self-hosted server.[11]
  • 29.9k stars on GitHub.[66]

Not so good

  • No official hosted service is described; the docs point to third-party hosts, which charge fees.[11]
  • Bank sync works only through actual-server with your own credentials, and the bank sync tokens "are stored on the server and are not covered by end-to-end encryption".[64]
  • The bank-data service SimpleFIN Bridge costs $15 a year, paid to SimpleFIN, and is for North American banks.[65]
  • The pages describe no phone app and no app store listing.[63][11]

Pricing

  • Actual Budget[63][65][66]FreeFree, under the MIT license. Optional extras are paid to other companies: a host such as PikaPods, and a bank-data service such as SimpleFIN Bridge at "$1.50 / mo, or $15 / year".
  • The app is free and open source. The home page has a Donate link and says PikaPods "donates 20% of fees" it takes to the project.[63][66]

11. A spreadsheet in Google Sheets or Excel

Tiller

$99/yr· Web

What it is

A service that sends your bank transactions into Google Sheets or Excel spreadsheets you own, with budget templates on top.

Why it's on this list

Tiller sends bank transactions into a Google Sheets or Excel file. Its features page says it works "For Google Sheets and Microsoft Excel" and describes an automatic feed of your daily finances.[7] It does not name devices, so it works wherever your spreadsheet does. It is $99 a year after 30 days.

Ideal for: Someone who prefers a spreadsheet and has Google Sheets or Excel.

What it does

  • Syncs bank accounts into private spreadsheets you own, with daily automation.[67]
  • All transactions flow into one Transactions Sheet.[67]
  • Works with both Google Sheets and Microsoft Excel.[7]

Good

  • You own the spreadsheet; the data is not locked inside an app.[67]
  • Supports both Google Sheets and Excel.[7]
  • One flat price: $99 a year, with no ads or hidden fees.[68]
  • Subscriptions "exclusively support Tiller", which "isn't venture-funded".[67]

Not so good

  • No free plan after the 30-day trial.[68]
  • No monthly option on the pricing page, only $99 a year.[68]
  • The pages opened mention no mobile app; the daily email is the phone-side view.[67]
  • You work in a spreadsheet: budgets and charts are sheets and formulas, not a purpose-built app screen.[67]

Pricing

  • Tiller[68]$99 a year"After 30 days, Tiller is just $99/year." The only plan listed; no monthly option shown.
  • 30 days free. The card is not charged until the trial ends. Sales tax may be added after the trial if your state requires it.[68]
  • No free plan is listed. The trial is the only free period.[68]

12. Envelopes on the web, iPhone and Android

Goodbudget

Free, or $10/mo or $80/yr· iPhone, Android, Web· App Store 4.6 (13,522)[74]

What it is

An envelope budgeting app for the web, iPhone and Android where you divide income into virtual envelopes and share the budget across devices.

Why it's on this list

Goodbudget says it is "Available on the Web, Android, and iPhone," and does not name iPad.[8] The free plan covers 2 devices and 10 + 10 envelopes, with manual entry; Premium adds bank sync for US banks at $80 a year.[70][71]

Ideal for: Someone who wants envelopes and a free plan on a computer.

What it does

  • Envelope budgeting: you divide income into category envelopes, spend from the matching envelope and stop when it is empty, with no physical cash.[76]
  • The free plan has 10 regular envelopes and 10 annual or goal envelopes; Premium removes the cap.[70][71]
  • Syncs and shares a budget across iPhone, Android and the web, with data backed up to Goodbudget's website.[8][74]

Good

  • A free plan with no ads and debt tracking.[70][74]
  • Works on web, iPhone and Android.[8]
  • Full refund in the first 30 days.[72]
  • Premium raises the limits to unlimited envelopes and accounts, 5 devices and 7 years of history.[70][71]

Not so good

  • Automatic bank sync needs Premium; the free plan is manual entry.[70][71]
  • Bank sync works with US banks only.[70]
  • The free plan allows 1 account, 2 devices and 1 year of history.[70]
  • The free plan caps envelopes at 10 regular and 10 annual or goal.[70][71]

Pricing

  • Free[70][71]FreeCalled "Free Forever" on the page. 10 regular envelopes, 10 annual or goal envelopes, 1 account, 2 devices, 1 year of history, debt tracking, community support.
  • Premium[70][71]$10 a month · $80 a yearAdds automatic bank sync (US banks only), unlimited envelopes and accounts, 5 devices, 7 years of history and email support.
  • A free plan exists. It has no bank sync, one account, 20 envelopes in all (10 regular and 10 annual or goal), two devices and a year of history. The App Store listing calls it ad-free.[70][71][74]
App Store review· September 2026
“We’ve been using Goodbudget for several years now, after trying multiple budgeting apps. It’s the best solution we’ve found to budget with an envelope system, while utilizing credit cards and online payments.”
Read it where it was said ↗

Left out: phone-first apps

Two popular apps don't belong on a device page. Honeydue's App Store header says "Only for iPhone" and no web or Mac app is listed.[91][92] Rocket Money runs on iPhone and Android, with web access on Premium.[78][81][82] If a phone app is what you are after, see our full budgeting apps list.

How to choose

Start with the machine you will actually use. A web app follows you from the PC at work to the iPad at home. A program stays where you installed it, and its phone companion needs it.

Choose Quicken Classic if you:

  • Use Windows or Mac and want local data
  • Track investments and bills
  • Are fine with an annual subscription

Choose Moneydance if you:

  • Want to buy once
  • Use Linux, Mac or Windows
  • Can live without a web app

Choose Copilot Money if you:

  • Use a Mac, iPad and iPhone
  • Don't need Android or a partner login yet
  • Want a polished look

Choose YNAB (You Need A Budget) if you:

  • Move between PC, iPad and phone
  • Want a trial without a card
  • Will follow a method

Choose GnuCash if you:

  • Want free software for Windows, Mac or Linux
  • Know some accounting
  • Don't need a phone app

Choose Wonderful if you:

  • Want to plan paychecks in a browser
  • Don't want to install anything
  • Don't need a phone app yet

Where Wonderful fits, and where it doesn't

Wonderful fits if you want one budget in a browser on any computer and you plan by paycheck. It connects your bank, sorts charges, plans each paycheck before it lands, and a partner joins with their own login at no extra cost. It is the wrong pick if you want installed software, an app on your iPhone or Android phone, or a free app: it has no free plan after the free week, then $14.99 a month or $99 a year. Its pages don't list tablets, so test it on an iPad first. See best budgeting websites for more web apps.

Questions people ask

What is the best budgeting app for Windows?

For installed software, Quicken Classic and Moneydance both list Windows, GnuCash is free for Windows 8, 10 and 11, and Actual Budget has a free Windows desktop app. For no install, YNAB, Monarch, Simplifi and Wonderful run in a browser on a Windows PC. Copilot has no Windows program, and its web app is listed with its Apple apps.

What is the best budgeting app for Mac?

Copilot lists a Mac app, Banktivity runs natively on Mac, Quicken Classic and Moneydance have Mac versions, and GnuCash and Actual Budget have Mac builds. If you would rather skip installing, YNAB, Monarch and Wonderful work in Safari or Chrome. Banktivity says plainly that it is not a web app.

What is the best budgeting app for iPad?

Copilot, YNAB and Monarch each list an iPad app or iPad support, and Banktivity runs on iPad too. Quicken Classic and Moneydance have an iPhone companion that syncs with desktop software. Simplifi's pages don't name iPad, and Goodbudget's don't either, so check their App Store listings, or use the web app in Safari.

Is there a free budgeting app for a PC?

Yes. GnuCash and Actual Budget are free on Windows, Mac and Linux. Goodbudget has a free plan with 10 envelopes plus 10 annual or goal envelopes. EveryDollar's free version is on our free list. The free ones mean typing transactions in or paying a separate bank-data service for sync.

Does Quicken work on Mac and Windows?

Quicken Classic does: Quicken says Classic Deluxe is available on Windows and Mac. Its Lifetime Planner is Windows only. Quicken Simplifi is a different product, a cloud app that runs on the web and mobile, with no desktop program. Data does not move between the two, per Quicken support.

Which budgeting apps work without a phone?

Wonderful is browser only. Moneydance, GnuCash and Actual Budget run on a computer, and Tiller lives in a spreadsheet. Monarch, YNAB, Copilot and Simplifi have phone apps but work on the web. Rocket Money's web access is on Premium, and Honeydue is listed only for iPhone.

Can I use a budgeting app on a Chromebook or Linux?

On Linux, Moneydance, GnuCash and Actual Budget list it. We did not find a Chromebook statement on these apps' pages, so for a Chromebook use one that runs in a browser and test it during the trial.

Do budgeting apps sync between my computer and iPad?

The cloud ones do: YNAB lists changes synced across devices, Goodbudget syncs web, iPhone and Android, and Monarch and Copilot sync as accounts. Moneydance says its phone apps sync with the desktop, though 2026 reviewers report trouble syncing an iPad with a MacBook. Banktivity syncs between its Mac, iPhone and iPad apps.

Is a desktop budgeting program better than a web app?

It depends on who holds your data. Desktop software like Quicken Classic keeps data local, per Quicken, and works when a company stops. A web app gets updates, sync and support without you installing anything. Our guide to budgeting software compares the two in depth.

Read next

Sources

95 sources · read November 3, 2026

Every number on this page comes from monarch.com, copilot.money, infinitekind.com and 25 more. If a source has changed since, the source is right.

  1. 1Monarch: download pagemonarch.com
  2. 2Copilot Money pricingcopilot.money
  3. 3Moneydance downloadsinfinitekind.com
  4. 4GnuCash download pagegnucash.org
  5. 5Quicken Classic Deluxequicken.com
  6. 6Banktivity plansbanktivity.com
  7. 7Tiller featurestiller.com
  8. 8Goodbudget home pagegoodbudget.com
  9. 9YNAB featuresynab.com
  10. 10Quicken Simplifi product pagequicken.com
  11. 11Actual Budget docs: installingactualbudget.org
  12. 12Wonderful terms of servicewonderful.money
  13. 13Wonderful privacy policywonderful.money
  14. 14Wonderfulwonderful.money
  15. 15Monarch pricingmonarch.com
  16. 16Monarch on the App Storeapps.apple.com
  17. 17Monarch on Google Playplay.google.com
  18. 18Monarch home pagemonarch.com
  19. 19Monarch for couplesmonarch.com
  20. 20Monarch collaborationmonarch.com
  21. 21Monarch budgetingmonarch.com
  22. 22Monarch planningmonarch.com
  23. 23Apple public review feed for Monarchitunes.apple.com
  24. 24Monarch help: Monarch for Couples and Householdshelp.monarch.com
  25. 25Trustpilot, www.monarchmoney.comtrustpilot.com
  26. 26YNAB pricingynab.com
  27. 27The YNAB methodynab.com
  28. 28YNAB on the App Storeapps.apple.com
  29. 29YNAB on Google Playplay.google.com
  30. 30Apple public review feed for YNABitunes.apple.com
  31. 31YNAB: Using YNAB as Partnerssupport.ynab.com
  32. 32Trustpilot, ynab.comtrustpilot.com
  33. 33Copilot Money homecopilot.money
  34. 34Copilot Money FAQcopilot.money
  35. 35Copilot on the App Storeapps.apple.com
  36. 36Apple public review feed for Copilotitunes.apple.com
  37. 37Quicken blog: personal finance software with the best customer supportquicken.com
  38. 38Simplifi help: How to use Spaces sharingsupport.simplifi.quicken.com
  39. 39Simplifi help: How to cancel and get a refundsupport.simplifi.quicken.com
  40. 40Simplifi help: Subscription questionssupport.simplifi.quicken.com
  41. 41App Store listing, Quicken: Budget & Track Moneyapps.apple.com
  42. 42App Store reviews, Quicken: Budget & Track Moneyapps.apple.com
  43. 43Quicken plans and pricingquicken.com
  44. 44Quicken Classic Starterquicken.com
  45. 45Quicken Classic Premierquicken.com
  46. 46Quicken Classic companion app on the App Storeapps.apple.com
  47. 47Trustpilot: quicken.comtrustpilot.com
  48. 48App Store reviews feed for Quicken Classic (most recent)itunes.apple.com
  49. 49Quicken: How to use Data Sharing in Quicken Classic on the Webquicken.com
  50. 50Quicken: Subscription Membership FAQsquicken.com
  51. 51Quicken: Can I install Quicken on multiple computers?quicken.com
  52. 52Moneydancemoneydance.com
  53. 53Purchase Moneydance (The Infinite Kind)infinitekind.com
  54. 54The Infinite Kind refund policyinfinitekind.com
  55. 55Moneydance on the App Storeapps.apple.com
  56. 56Apple public review feed for Moneydanceitunes.apple.com
  57. 57Banktivity, Net Worth Trackingbanktivity.com
  58. 58Trustpilot, banktivity.comtrustpilot.com
  59. 59GnuCashgnucash.org
  60. 60GnuCash featuresgnucash.org
  61. 61GnuCash wiki: AqBankingwiki.gnucash.org
  62. 62GnuCash guide: Importing data into GnuCashcode.gnucash.org
  63. 63Actual Budgetactualbudget.org
  64. 64Actual Budget docs: bank syncactualbudget.org
  65. 65Actual Budget docs: SimpleFINactualbudget.org
  66. 66Actual Budget on GitHubgithub.com
  67. 67Tiller hometiller.com
  68. 68Tiller pricingtiller.com
  69. 69Hacker News search for Tiller Money commentshn.algolia.com
  70. 70Goodbudget pricing (signup page)goodbudget.com
  71. 71Goodbudget help: Subscribe to Goodbudgetgoodbudget.com
  72. 72Goodbudget refunds and cancellationsgoodbudget.com
  73. 73Goodbudget help indexgoodbudget.com
  74. 74App Store listing, Goodbudgetapps.apple.com
  75. 75App Store reviews, Goodbudgetapps.apple.com
  76. 76Goodbudget envelope budgeting pagegoodbudget.com
  77. 77Goodbudget changeloggoodbudget.com
  78. 78Rocket Money: How much does Rocket Money costrocketmoney.com
  79. 79Rocket Money help center: How much does Rocket Money costhelp.rocketmoney.com
  80. 80Rocket Money FAQframer.rocketmoney.com
  81. 81Rocket Money on the App Storeapps.apple.com
  82. 82Rocket Money on Google Playplay.google.com
  83. 83Apple public review feed for Rocket Moneyitunes.apple.com
  84. 84Trustpilot, rocketmoney.comtrustpilot.com
  85. 85Rocket Money help center: Bill Negotiations is moving to Premium+help.rocketmoney.com
  86. 86Honeydue home pagehoneydue.com
  87. 87Honeydue: How it workshoneydue.com
  88. 88Honeydue help: How does Honeydue earn moneysupport.honeydue.com
  89. 89Honeydue help: Will my partner see my accountssupport.honeydue.com
  90. 90Honeydue Joint Cashhoneydue.com
  91. 91Honeydue on the App Storeapps.apple.com
  92. 92Honeydue on Google Playplay.google.com
  93. 93Apple public review feed for Honeydueitunes.apple.com
  94. 94Honeydue help: Account issues and inviting a partnersupport.honeydue.com
  95. 95Honeydue help: How do I cancel my accountsupport.honeydue.com

App names are trademarks of their owners; Wonderful isn't connected with them. Wonderful gives general information. It isn't a financial or tax advisor.

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