The short version
Most budgeting websites are web apps with a phone app beside them. Of the paid ones, Monarch and YNAB list a web app next to their phone apps, and PocketSmith is a website first. Free: Goodbudget, EveryDollar, PocketSmith and Empower have a free version or plan. Wonderful, which we make, runs in the browser only and is not free.
- 1
Wonderful: A browser-only budget for one or two, paid after a free week
- 2
Monarch Money: The most complete budget in a browser, for one price
- 3
YNAB (You Need A Budget): A method that works the same on your laptop and phone
- 4
Copilot Money: Polished, with a web app included in its one plan
- 5
PocketSmith: Forecasts and a free plan, mostly used in a browser
- 6
Lunch Money: A web-first app with rules and a phone companion
- 7
Tiller: Your own Google Sheet or Excel file, fed by your bank
- 8
Goodbudget: Envelopes on the web, with a free plan
- 9
EveryDollar: A free zero-based budget you can open on a computer
- 10
Empower Personal Dashboard: A free dashboard for net worth and spending
At a glance
| App | Where it runs | Price |
|---|---|---|
| Wonderful | Browser only. No iPhone or Android app yet[3] | A free week, then $14.99 a month or $99 a year for the household |
| Monarch Money | Web, iPhone, iPad and Android[5][6][7] | A free first week, then $99.99 a year or $14.99 a month |
| YNAB (You Need A Budget) | Web, iOS, Android and Apple Watch[16][18] | 34 days free, then $109 a year or $14.99 a month |
| Copilot Money | Web, iPhone, iPad and Mac; no Android[23][24][25] | $109 a year or $18 a month on the website |
| PocketSmith | Web first; iPhone and Android companion[30] | A free plan; paid plans from $9.99 a month on annual billing |
| Lunch Money | Web app; iPhone companion app[37] | 30-day trial, then $100 a year or $10 a month |
| Tiller | A Google Sheets or Excel file in your own account[41] | 30 days free, then $99 a year |
| Goodbudget | Web, iPhone and Android[46] | A free plan; Premium $80 a year or $10 a month |
| EveryDollar | Computer, phone or tablet on the free version[52] | A free version; Premium $79.99 a year |
| Empower Personal Dashboard | Free dashboard; the pages we read don't say it runs in a desktop browser[58] | Free |
How we compared
"Works in a browser" hides a lot. Some apps are a website with a small companion app. Others are a phone app with a website that does less. A few charge extra for the web. So we asked five things:
- Does it do the whole job on the web. Budgets, bank connection and reports, not only a login page.
- What the phone app adds or leaves out. Whether it is a companion or the main product.
- Is the web version free, paid or extra.
- Can two people use it. A budget on a laptop is often shared.
- Does the bank connect. Without it you type transactions.
We read each app's pricing and features pages, its App Store listing and what reviewers say, and quote the page where it says where the app runs. Where a page doesn't say, we say so. We haven't used these apps ourselves. For the same list sorted by method, see best budgeting apps; for free ones only, best free budgeting apps.
1. A browser-only budget for one or two, paid after a free week
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, so it is first, and we tell you where it falls short. It is a website: it runs in the browser, and there is no iPhone or Android app yet. On the web it does the whole job. Banks connect through Plaid, every charge is sorted into a category, and every paycheck gets a plan for bills, spending and saving before it lands.
It is not free. There is a free week, plus more days for finishing parts of setup, and a card is added to start it. After that it is $14.99 a month or $99 a year for the whole household. It works for one person or two, with a partner joining at no extra cost.
Ideal for: One person or a couple who wants to budget in a browser, with every paycheck planned, and will pay $99 a year after a free week.
What it does
- Every paycheck gets a plan for bills, spending and saving before it lands.[3]
- Banks connect through Plaid and every charge is sorted into a category.[2][3]
- Mine, yours and ours: each charge counts for the person or the pair it belongs to.[3]
- 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.[3]
- Texts you by iMessage when a bill is charged twice, a price goes up or a refund lands, and you can text it questions.[3]
- Savings goals show the month you'll reach them.[3]
- Net worth for each of you and for both, from the balances your banks send, with its line over time.[3]
- Life events like getting married come step by step, with the deadlines.[3]
Good
2. The most complete budget in a browser, for one price
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 works on iPhone, iPad, Android and the web.[5][6][7] Its pricing page tells people to sign up on the web instead of through the Apple or Google app stores, because it is easier to manage the subscription.[4] It has no free plan, only a free first week, then $99.99 a year or $14.99 a month. A partner joins under the same subscription.
Ideal for: People who want one place for every account, on a laptop first, and will pay for it.
What it does
- Connects bank accounts, credit cards, loans, investment accounts and real estate, through 13,000+ financial institutions.[7]
- Tracks net worth across all connected accounts.[5][7]
- Sorts transactions automatically and searches across every account in one list.[5][7]
- Two ways to budget: Flex, which splits spending into fixed, flexible and non-monthly buckets and gives one main number to watch, or Category budgeting.[5][10]
- Rollovers: money left in a category carries into the next month, to cover bills that do not come every month.[10]
Good
- A partner joins under the same subscription at no extra cost, with a separate login.[8][9]
- Two people can fund a shared goal even when their money sits in separate accounts.[9]
- Works on iPhone, iPad, Android and the web.[5][6][7]
- Rated 4.9 on the App Store (116K ratings) and 4.8 on Google Play (26.1K reviews).[5][6]
Not so good
- No free plan after the first week.[4][5]
- Paid monthly it is $14.99, which is $179.88 over twelve months, against $99.99 billed yearly.[4]
- 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.[4][5]
- A partner sees all accounts and transactions. The couples page describes no way to keep one account private.[8][9]
Pricing
- Monthly[4][5]$14.99 a monthPricing page and App Store both show $14.99. The pricing page does not say which tier it is.
- Yearly[4][5]$99.99 a yearBilled yearly. The pricing page names two tiers, Core and Plus, but lists only these two prices.
- Yearly Plus[4][5]$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.[4][5]
- No free plan is listed on the pricing page or the App Store. The only free access is the first week.[4][5]
“$15 a month to even use the app. Wish this was more transparent. It’s also unclear whether your partner would also need to pay this $15 fee (which would be absurd)”Read it where it was said ↗
3. A method that works the same on your laptop and phone
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's features page says you can access it "on your computer, phone, or tablet (even offline!)".[16] It runs on the web, iOS, Android and Apple Watch.[16][18] The trial is 34 days, with no card needed if you sign up on its site. After that it is $109 a year or $14.99 a month, and one subscription can be shared with up to 5 more people.
Ideal for: Someone who wants to give every dollar a job and move between a laptop 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).[17]
- Bank import links accounts and brings in transactions automatically. Apple Card import is also listed.[16]
- Targets: set spending and savings goals per category and track progress at a glance.[16]
Good
- A written method, not just a tracker: the app is built around planning before spending.[17]
- One subscription covers up to six people at no extra cost.[15]
- A 34-day trial with no card when you sign up on the site, and a free 365-day trial for college students.[15]
- Rated 4.8 on the App Store (62K ratings) and 4.6 on Google Play (25.4K).[18][19]
Not so good
- No free plan after the trial.[15]
- Paid monthly it is $14.99, which is $179.88 over twelve months, against $109 billed annually.[15]
- The website says a 34-day trial and the App Store says 30 days.[15][18]
- 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.[17]
Pricing
“I really like YNAB but I think it’s too expensive.”Read it where it was said ↗
4. Polished, with a web app included in its one plan
Copilot Money
$13/mo or $95/yr· iPhone, Web, Mac· App Store 4.8 (31K)[26]
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's pricing page lists iPhone, iPad, Mac and web as included, with a log in link to app.copilot.money.[24] The web app is part of the plan, with no tier for it. There is no Android app. The website shows $18 a month or $109 a year, while the App Store shows different prices, so subscribe where you read the price.
Ideal for: People who want a polished web app and iPhone app, and are not on Android.
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.[23][26]
- Connects to 16,000+ US institutions through read-only integrations, with direct links for Venmo, Apple Card and Coinbase.[25][26]
- 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.[23][26]
Good
Not so good
- No Android app. The pages list iPhone, iPad, Mac and web only.[23][24][25]
- Sharing with a partner is not live. Households are marked "Coming soon."[23][24][25]
- No free plan after the trial.[25]
- 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.[24][26]
Pricing
- Website, monthly[24]$18 a monthBilled monthly. The pricing page calls it "One simple plan" (checked in a browser 10/27).
- Website, yearly[24]$109 a yearShown as $9 a month, billed yearly, "instead of $119", and labeled a limited time offer.
- App Store, monthly[26]$13 a monthListed as $13.00 on the App Store, which is not what the pricing page shows.
- App Store, yearly[26]$95 a yearListed as $95.00 on the App Store.
“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. Forecasts and a free plan, mostly used in a browser
PocketSmith
Free, or $14.95/mo or $119.88/yr· iPhone, Android, Web· App Store 3.1 (53)[30]
What it is
A budgeting and forecasting website that connects to your bank accounts and projects your daily balance years ahead, with an iPhone and Android companion app.
Why it's on this list
PocketSmith is the most website-like pick here. Its iPhone app is a companion and says "You need a PocketSmith web account to use the mobile app."[30] Reviewers say the same thing, that the website does a lot more. The app rates 3.1 from 53 ratings on the US App Store. What you get for it is a forecast of your balance up to 60 years ahead and a free plan to try it on.
Ideal for: People who plan ahead, like calendars and forecasts, and will mostly sit at a computer.
What it does
- Connects to bank accounts, with feeds from "over 14,000 banks and institutions worldwide".[28][29]
- Projects your daily account balance years ahead: 6 months on Free, up to 60 years on Fortune.[28][29]
- A budget calendar to plan and track budgets by day.[29]
- Multi-currency support, net worth tracking and custom dashboards.[29]
- An MCP server for connecting AI assistants such as ChatGPT and Claude.[29]
Good
Not so good
- Paid plans run from $9.99 to $26.66 a month on annual billing, more than most apps on this page.[28]
- The iPhone app is rated 3.1 from 53 ratings on the US App Store.[30]
- The mobile app needs a web account and does less than the website.[30][31]
- No free trial of paid plans is stated, only a 14-day money back guarantee.[28]
Pricing
- Free[28]Free2 accounts, 12 budgets, a 6 month forecast and 2 dashboards. The plans page lists automatic bank feeds and manual imports.
- Foundation[28]$14.95 a month · $119.88 a year$14.95 a month billed monthly, or $9.99 a month on annual billing. Unlimited accounts and budgets, a 10 year forecast, 6 bank connections in one country.
- Flourish[28]$24.95 a month · $199.92 a yearThe page's "most popular" plan. $24.95 a month billed monthly, or $16.66 a month on annual billing. A 30 year forecast, 18 bank connections in all countries.
- Fortune[28]$39.95 a month · $319.92 a year$39.95 a month billed monthly, or $26.66 a month on annual billing. A 60 year forecast, unlimited bank connections and dashboards, priority email support.
- A Free plan with 2 accounts, 12 budgets, a 6 month forecast and 2 dashboards.[28]
“Not sure why all the low ratings except maybe folks just don’t know that there’s a website that does a ton more and...”Read it where it was said ↗
6. A web-first app with rules and a phone companion
Lunch Money
$10/mo or $100/yr· iPhone, Web· App Store 4.8 (58)[37]
What it is
A web budgeting app that pulls in bank transactions, with rules, recurring items, multi-currency support and unlimited contributors to a budget.
Why it's on this list
Lunch Money's own App Store listing calls its iPhone app "the official free companion app for the Lunch Money web app" and says it is "only available to current registered users of Lunch Money."[37] So the web is the product. It has rules that sort transactions, recurring items, over 160 currencies and unlimited collaborators. The pages we read show no Android app.
Ideal for: People who want rules and tags to run their budget and like a web app more than a phone app.
What it does
- Connects to bank and credit card accounts through Plaid so transactions pull in automatically.[34][35]
- Also takes manual entry and CSV imports, and manual accounts for cash, assets, gift cards and crypto.[34]
- Custom budget periods that match your pay cycle.[35]
- A rules engine that categorizes transactions based on conditions you set.[35]
- Recurring items that match imported transactions automatically.[35]
Good
Not so good
- Current prices could not be confirmed: the pricing page returned HTTP 403 when we tried it.[33]
- The pages opened show no iOS or Android app.[34]
- Bank syncing goes through Plaid, and the guide says to open bank syncing tickets from the in-app support menu when something breaks.[34]
- Not envelope budgeting: a Hacker News commenter says its philosophy is "fundamentally different from YNAB".[36]
Pricing
“...I'm a big fan of lunchmoney, and I'm rooting for the success of the app.”Read it where it was said ↗
7. Your own Google Sheet or Excel file, fed by your bank
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 is a website-shaped answer: your budget is a Google Sheets or Excel file in your own account, and Tiller sends your bank transactions into it. [41]The price is $99 a year after 30 days free. The pages we read describe no mobile app. If you want the free sheet without the feed, see our budget spreadsheets and templates.
Ideal for: Spreadsheet people who want the bank feed without giving up their own file.
What it does
- Syncs bank accounts into private spreadsheets you own, with daily automation.[39]
- All transactions flow into one Transactions Sheet.[39]
- Works with both Google Sheets and Microsoft Excel.[41]
- AutoCat sorts transactions into categories, and you can set your own category rules.[39][41]
Good
Pricing
- Tiller[40]$99 a year"After 30 days, Tiller is just $99/year." The only plan listed; no monthly option shown.
“...I use Tiller Money to automate my various bank and credit card transactions directly into Google Sheets”Read it where it was said ↗
8. Envelopes on the web, with a free plan
Goodbudget
Free, or $10/mo or $80/yr· iPhone, Android, Web· App Store 4.6 (13,516)[48]
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's home page says it runs on the web, Android and iPhone, and that a budget syncs across them.[46] The free plan covers the web and has 10 regular envelopes, 10 annual or goal envelopes, 1 account, 2 devices and 1 year of history. Bank sync is Premium, $80 a year or $10 a month, so the free plan means typing in transactions. Reviewers in 2025 and 2026 report the app and web not syncing across devices.[49]
Ideal for: People who like envelopes, want a free plan and will type in transactions.
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.[50]
- The free plan has 10 regular envelopes and 10 annual or goal envelopes; Premium removes the cap.[43][44]
- Syncs and shares a budget across iPhone, Android and the web, with data backed up to Goodbudget's website.[46][48]
- Automatic bank sync is a Premium feature and works with US banks only. The free plan is manual entry.[43][44]
Good
Pricing
- Free[43][44]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[43][44]$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.
“This is simple, fast to make entries, and can sink with my wife. Plus free if you have 10 or less categories.”Read it where it was said ↗
9. A free zero-based budget you can open on a computer
What it is
Ramsey Solutions' zero-based budgeting app: a free version where you type in transactions, and a paid version that imports them from your bank.
Why it's on this list
EveryDollar's page says the free version lets you "access your budget from your computer, phone or tablet".[52] It has no end date and holds a monthly budget, unlimited categories, sinking funds and split transactions. It has no bank import. That is Premium, at $79.99 a year or $17.99 a month after a 14-day trial. The page doesn't name a browser version.
Ideal for: People who want a free zero-based budget on a computer and will type in each transaction.
What it does
- Zero-based budgeting: plan every dollar before the month starts so income minus expenses equals zero.[53]
- Free: monthly budget, unlimited categories and line items, split transactions, due dates for bills, and savings goals for big purchases.[52][54]
- Sinking funds for future expenses, in the free version.[52][53]
- Premium imports transactions automatically from connected accounts. Ramsey says it uses Mastercard Connect and Plaid.[52]
Good
Not so good
- No bank import on the free version. You type every transaction.[52]
- Premium is $17.99 billed monthly, which is $215.88 over twelve months, against $79.99 billed yearly.[52]
- Rated 4.3 on Google Play, lower than the App Store's 4.7.[54][55]
- The plans page and the App Store show different Premium plans and prices.[52][54]
Pricing
- Free[52]FreeUsable as long as you want. Manual transaction entry, no bank import.
- Premium, monthly[52][54]$17.99 a monthBank import and the rest of Premium.
- Premium, yearly[52][54]$79.99 a yearShown by Ramsey as about $6.67 a month.
- Ramsey+, yearly[54]$129.99 a yearListed only as an in-app purchase on the App Store, along with Ramsey+ at $59.99 for three months. The plans page does not describe it.
- Premium includes a 14-day free trial, for new users only.[52]
- A free version you can use as long as you want. It has a monthly budget, unlimited categories, manual transactions, sinking funds, split transactions, bill due dates and live-person support. It does not import transactions from a bank.[52][53]
“Seems like a great application. 7 day trial was great. My only concern is $80.00 bucks year. To me, should be free in helping folks get out of debt. Not just 7 days.”Read it where it was said ↗
10. A free dashboard for net worth and spending
Empower Personal Dashboard
Free· iPhone, Android, Web· App Store 4.8 (421,639)[61]
What it is
A free dashboard and app that links your bank, card, loan and investment accounts to show net worth, spending and retirement scenarios, paid for by Empower's advisory services.
Why it's on this list
Empower's FAQ says "the dashboard experience and financial tools are completely free". It links your bank, card, loan and investment accounts to show net worth, spending and retirement scenarios. It is paid for by Empower's advisory services. The pages we read link to iPhone and Android apps and don't say whether the dashboard runs in a desktop browser, and its help pages didn't load, so check on the sign-up page before you count on it. Budgeting is the thinnest part of it.
Ideal for: Someone who wants a free net worth and spending view and is fine with Empower's advisory offers.
What it does
- Net worth: total holdings minus total debts, across accounts in one place, with the effect of paying down debt or saving more.[59]
- Retirement planner: compare retirement ages, see what goals such as college or travel need, and set up withdrawals.[60]
- Budgeting and cash flow: tracks daily spending and expenses; transactions are categorized automatically.[58]
- Portfolio analysis: performance, risk level and where your money is invested.[58]
Good
- The dashboard and its tools are free.[58]
- Covers retirement and investment accounts, not just bank and card spending.[58][60]
- 4.8 stars on the App Store from 421,639 ratings, for the app that also serves retirement-plan users.[61]
- Includes a Fee Analyzer and a retirement planner that tests different retirement ages.[60][63]
Not so good
- Advisory services are paid for with a fee based on assets under management; the free tools are offered next to them.[57][58]
- The pages describe budgeting only as tracking daily spending; no envelope, zero-based or per-category plan is described.[58]
- Nothing on the pages opened describes a spouse, partner or joint view.[57][58][59][60]
- Its own pages give two different advisory minimums: $100,000 and more than $250,000.[57][58][60]
Pricing
- Personal Dashboard[58]Free"Nothing! The dashboard experience and financial tools are completely free."
- The dashboard and its financial tools are free. The high-yield cash account is described as having "no account fees, no minimums".[58]
“I have used this through my current employer for a few years and it’s steadily become a lot more functional and less buggy”Read it where it was said ↗
Web versus app, app by app
Here is what each one's own words say about the split between the website and the phone.
- Website is the product: PocketSmith (the phone app needs a web account), Lunch Money (the app is a companion), Tiller (a file in your sheets app) and Wonderful (browser only).
- Same product, any screen: YNAB, Monarch, Goodbudget and Copilot list a web app next to phone apps. Copilot has no Android app.
- Free version works on a computer: EveryDollar says so. Goodbudget's free plan covers the web.
- Web costs extra: Rocket Money lists desktop web access on Premium only.[64]
Free budgeting websites
Four of the ten have something you can use for no money. Bank feeds are the catch: only PocketSmith's plans page lists automatic feeds on a free plan, and Empower's dashboard links accounts. Goodbudget and EveryDollar charge for them.
- Goodbudget: a free plan with 20 envelopes and 1 account, manual entry.[43][44][48]
- EveryDollar: a free version with no end date and no bank import.[52][53]
- PocketSmith: a free plan with 2 accounts, 12 budgets and a 6 month forecast.[28]
- Empower: a free dashboard.[58]
Wonderful is not on this list: it has a free week and no free plan. If a blank sheet is enough, our free budget spreadsheets and templates and the printable monthly budget template cost nothing. For the full set, see best free budgeting apps.
- EveryDollar$79.99
- Goodbudget$80
- Tiller$99
- Wonderful$99
- Monarch Money$99.99
- Lunch Money$100
- YNAB (You Need A Budget)$109
The cheapest way to pay for a year on each app's own pages. Goodbudget and EveryDollar are the Premium plans that add bank sync or import. Wonderful's $99 covers both partners.
Phone first, web second or never
Some well-known apps fit badly if you work on a laptop.
- Honeydue: no web app or Mac app is listed, and the App Store header says "Only for iPhone".[80][81]
- NerdWallet: a free app for iPhone and Android. The pages we read name no web version of it.[71]
- Rocket Money: its free plan is mobile only, and the web is Premium.[64]
They may suit you on a phone. For a laptop, pick from the list above. Mint is gone; our Mint alternatives page covers who picked up its users.
Before you pay for a budgeting website
Five checks that the pages above make easy to skip.
- Sign up where the price is clear. Monarch's page recommends signing up on the web, not in the app stores, and Copilot shows different prices on its website and in the App Store.[4]
- Ask what the phone app does. If it is a companion, as with PocketSmith and Lunch Money, you will still do the real work on a computer.
- Look for the trial length and whether a card is needed. YNAB's is 34 days with no card if you sign up on its site; Wonderful's is a free week, and a card is added to start it.[15][18]
- Check who else can use it. A second person is often included, but what they see differs. Our guide to what a partner can see in budgeting apps goes through it.
- Know how to get your data out. Goodbudget says transactions download to CSV from its website.[48]
How to choose
Decide whether you will use a phone at all. If a laptop is enough, PocketSmith, Lunch Money, Tiller and Wonderful are built around it. If you move between the two, Monarch and YNAB are the same product on both.
Choose Monarch Money if you:
- Want everything in one place in a browser
- Will pay about $99.99 a year
- Are a couple that wants to share one subscription
Choose YNAB (You Need A Budget) if you:
- Want to give every dollar a job
- Switch between a laptop and a phone
- Want a 34-day trial first
Choose PocketSmith if you:
- Like forecasts and calendars
- Work mostly on a computer
- Want a free plan with 2 accounts to start
Choose Goodbudget if you:
- Like envelopes
- Want a free plan on the web
- Will type in transactions
Choose Wonderful if you:
- Want to budget in a browser with nothing to install
- Want each paycheck planned before it lands
- Are fine paying $99 a year after a free week
Where Wonderful fits, and where it doesn't
Wonderful is a website, which is the point of this page. It also has limits: no iPhone or Android app yet, no free plan after the trial, and no investment advice. If you want a free budget on the web, Goodbudget, EveryDollar or PocketSmith will serve you better. If you are willing to pay $99 a year for the household, Wonderful connects banks through Plaid, plans each paycheck, and for two people, lets each of you choose what the other sees and keeps a running total of who owes whom. See budgeting apps for couples and the full list of budgeting apps.
Questions people ask
What is the best budgeting website?
For a budget you do in a browser, Monarch and YNAB are the two most complete paid ones: both list a web app next to their phone apps. PocketSmith is the pick if you want a forecast of your balance, and Goodbudget and EveryDollar have free versions you can open on a computer. Wonderful, which we make, runs in the browser only.
Is there a free budgeting website?
Yes. Goodbudget's free plan works on the web, with 10 envelopes plus 10 annual or goal envelopes and 1 account. EveryDollar's free version lets you access your budget from your computer, with manual entry and no bank import. PocketSmith has a free plan with 2 accounts and 12 budgets. Empower's dashboard is free.
Is there a free personal finance website that connects to my bank?
Empower's dashboard links accounts and is free. Its pages we read don't say whether it runs in a desktop browser, so check before you rely on it. PocketSmith's plans page lists automatic bank feeds on its free plan, with a limit of 2 accounts. EveryDollar and Goodbudget charge for bank sync.
Which budgeting apps work on a computer?
Monarch, YNAB, Copilot, PocketSmith, Lunch Money, Goodbudget, EveryDollar and Wonderful all have a web version. Copilot's web app comes with its one plan. Rocket Money's web access is a Premium feature, and Honeydue and NerdWallet are phone apps.
Can I use a budgeting app without installing anything?
Yes, with a web app. Wonderful runs in the browser, so there is nothing to install, and it has no iPhone or Android app yet. Monarch, YNAB, Lunch Money and PocketSmith do the same job in a browser, and each also has phone apps.
Do I need the phone app if I use the website?
Only if you want to check things away from a computer. PocketSmith's phone app is a companion that needs a web account, and Lunch Money's App Store listing calls its app the official free companion for the web app. YNAB says you can access it on your computer, phone or tablet.
Is a website safer than a phone app for budgeting?
Neither is safer by itself. What matters is how the bank connects and who holds your login. Wonderful connects banks through Plaid, as do many of these apps. Read the app's security page and turn on two-step sign-in where it is offered.
What replaced Mint?
There is no single replacement. Monarch, YNAB, Copilot, PocketSmith and Lunch Money all work in a browser. Our Mint alternatives page lists 13 apps and says which have a free plan.
Can I just use a spreadsheet instead of a budgeting website?
Yes, and it costs nothing to start. Google Sheets, Excel and Notion all have free budget templates. Tiller sends your bank transactions into a sheet for $99 a year. Our page on budget spreadsheets lists the links.
Which website is best for couples?
Look at what the second person gets. Monarch, YNAB, Lunch Money and Wonderful each let a partner in under one subscription, and Wonderful lets each of you choose what the other sees, account by account. Our couples roundup compares them in detail.
Sources
83 sources · read November 2, 2026
Every number on this page comes from wonderful.money, monarch.com, apps.apple.com and 22 more. If a source has changed since, the source is right.
- 1Wonderful terms of servicewonderful.money
- 2Wonderful privacy policywonderful.money
- 3Wonderfulwonderful.money
- 4Monarch pricingmonarch.com
- 5Monarch on the App Storeapps.apple.com
- 6Monarch on Google Playplay.google.com
- 7Monarch home pagemonarch.com
- 8Monarch for couplesmonarch.com
- 9Monarch collaborationmonarch.com
- 10Monarch budgetingmonarch.com
- 11Monarch planningmonarch.com
- 12Apple public review feed for Monarchitunes.apple.com
- 13Monarch help: Monarch for Couples and Householdshelp.monarch.com
- 14Trustpilot, www.monarchmoney.comtrustpilot.com
- 15YNAB pricingynab.com
- 16YNAB featuresynab.com
- 17The YNAB methodynab.com
- 18YNAB on the App Storeapps.apple.com
- 19YNAB on Google Playplay.google.com
- 20Apple public review feed for YNABitunes.apple.com
- 21YNAB: Using YNAB as Partnerssupport.ynab.com
- 22Trustpilot, ynab.comtrustpilot.com
- 23Copilot Money homecopilot.money
- 24Copilot Money pricingcopilot.money
- 25Copilot Money FAQcopilot.money
- 26Copilot on the App Storeapps.apple.com
- 27Apple public review feed for Copilotitunes.apple.com
- 28PocketSmith plans and pricingmy.pocketsmith.com
- 29PocketSmith homepocketsmith.com
- 30PocketSmith Sidekick on the App Storeapps.apple.com
- 31PocketSmith Sidekick App Store reviewsapps.apple.com
- 32Lunch Money help center welcomesupport.lunchmoney.app
- 33Lunch Money blog: The Least Annoying Price Increase in History (Oct 16, 2024)lunchmoney.app
- 34Lunch Money help center: Getting startedsupport.lunchmoney.app
- 35Lunch Money blog: 11 Lunch Money Features You Should Be Usinglunchmoney.app
- 36Hacker News search for Lunch Money commentshn.algolia.com
- 37Lunch Money on the App Storeapps.apple.com
- 38Lunch Money pricinglunchmoney.app
- 39Tiller hometiller.com
- 40Tiller pricingtiller.com
- 41Tiller featurestiller.com
- 42Hacker News search for Tiller Money commentshn.algolia.com
- 43Goodbudget pricing (signup page)goodbudget.com
- 44Goodbudget help: Subscribe to Goodbudgetgoodbudget.com
- 45Goodbudget refunds and cancellationsgoodbudget.com
- 46Goodbudget home pagegoodbudget.com
- 47Goodbudget help indexgoodbudget.com
- 48App Store listing, Goodbudgetapps.apple.com
- 49App Store reviews, Goodbudgetapps.apple.com
- 50Goodbudget envelope budgeting pagegoodbudget.com
- 51Goodbudget changeloggoodbudget.com
- 52EveryDollar plans (Ramsey Solutions)ramseysolutions.com
- 53EveryDollar budget page (Ramsey Solutions)ramseysolutions.com
- 54EveryDollar on the App Storeapps.apple.com
- 55EveryDollar on Google Playplay.google.com
- 56Apple public review feed for EveryDollaritunes.apple.com
- 57Empower home pageempower.com
- 58Empower tools pageempower.com
- 59Empower net worth toolempower.com
- 60Empower retirement plannerempower.com
- 61App Store listing, Empowerapps.apple.com
- 62App Store reviews, Empowerapps.apple.com
- 63Empower free tools pageempower.com
- 64Rocket Money: How much does Rocket Money costrocketmoney.com
- 65Rocket Money help center: How much does Rocket Money costhelp.rocketmoney.com
- 66Rocket Money FAQframer.rocketmoney.com
- 67Rocket Money on the App Storeapps.apple.com
- 68Rocket Money on Google Playplay.google.com
- 69Apple public review feed for Rocket Moneyitunes.apple.com
- 70Trustpilot, rocketmoney.comtrustpilot.com
- 71NerdWallet app pagenerdwallet.com
- 72NerdWallet: Smart Money App on the App Storeapps.apple.com
- 73App Store reviews feed for NerdWallet (most recent)itunes.apple.com
- 74Trustpilot, nerdwallet.comtrustpilot.com
- 75Honeydue home pagehoneydue.com
- 76Honeydue: How it workshoneydue.com
- 77Honeydue help: How does Honeydue earn moneysupport.honeydue.com
- 78Honeydue help: Will my partner see my accountssupport.honeydue.com
- 79Honeydue Joint Cashhoneydue.com
- 80Honeydue on the App Storeapps.apple.com
- 81Honeydue on Google Playplay.google.com
- 82Apple public review feed for Honeydueitunes.apple.com
- 83Honeydue help: Account issues and inviting a partnersupport.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.