The short version
For a free tracker that pulls spending from your bank, start with Rocket Money's free plan or Empower's dashboard, or Honeydue if there are two of you. To pay nothing and type each purchase, EveryDollar and Goodbudget have free versions. Wonderful, which we make, is not free: a free week, then $99 a year for two.
- 1
Wonderful: Not free: a free week, then $99 a year for two
- 2
Rocket Money: A free bank link with spending breakdowns, on a phone
- 3
Empower Personal Dashboard: A free bank link with automatic categories and net worth
- 4
Honeydue: Two people, free, with bank links on a phone
- 5
Credit Karma: Free spending tracking next to credit scores
- 6
NerdWallet: Free spending sorted into needs, wants and savings
- 7
EveryDollar: A free tracker you type into, no end date
- 8
Goodbudget: A free envelope tracker you type into
At a glance
| App | What is free | How spending gets in | Works on |
|---|---|---|---|
| Wonderful | Only the first week | Bank link (after the free week) | Web |
| Rocket Money | A free plan with limits | Bank link, not in real time | iPhone, Android (free plan) |
| Empower Personal Dashboard | The dashboard and its tools | Bank link | iPhone, Android, Web |
| Honeydue | The whole app, optional tip | Bank link | iPhone, Android |
| Credit Karma | The app | Bank link | iPhone, Android, Web |
| NerdWallet | The app | Bank link | iPhone, Android |
| EveryDollar | A free version, no end date | You type each one | iPhone, Android, Web |
| Goodbudget | A free plan with limits | You type each one | iPhone, Android, Web |
How we compared
You came here to see where your money goes without paying. Two things decide whether a free tracker can do that, so we sorted by them:
- How spending gets in. A free bank link means no typing. A free version without one means you enter every purchase. Importing from a bank is the first thing the typing apps hold back for their paid plans.
- What the free side leaves out. Limits on categories, accounts or devices, features kept for a paid plan, and what the app does to earn money if you never pay.
- How it sorts. Automatic categories, and whether you can fix a wrong one.
- Where it runs. iPhone, Android, the web.
Every fact comes from the app's own pricing and help pages, its App Store and Google Play listings and their public reviews, read on October 27, 2026, and each is numbered to its source at the end. We haven't used these apps ourselves. Where a page didn't say, we say it didn't. For paid trackers compared on how they get spending in, see best expense tracker apps. For free apps that also set a limit per category, see best free budgeting apps.
1. Not free: a free week, then $99 a year for two
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, and it is not free. There is a free week, plus more days for finishing parts of setup. A card is added to start it, nothing is charged until it ends, and then it is $99 a year or $14.99 a month for the household, one person or two. There is no free plan after the trial.
It is first because this is where we put Wonderful on expense pages, and we would rather say plainly that it isn't free than leave it out. Banks connect through Plaid and every charge lands in a category, so nothing is typed. If free is a hard requirement, skip to Rocket Money or Empower.
Ideal for: One person or a couple who will pay $99 a year to have every charge pulled from the bank and sorted, and wants to try it for a week first.
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. A free bank link with spending breakdowns, on a phone
What it is
An app that finds your subscriptions, can cancel them and negotiate bills for you, and tracks spending and budgets, with a free plan and two paid ones.
Why it's on this list
Rocket Money's free plan is the closest thing here to a bank-linked tracker without a budget. It links your accounts (not in real time), shows spending breakdowns and a credit score, and lists your subscriptions. It is mobile only. Its cost article and help center list budgets and the bill timeline as Premium. The paid side is where it makes money, and the Premium price is a range you pick, so read the sign-up screen closely: some reviewers say they chose a lower price and were charged $15.
Ideal for: Someone who wants to see where money goes, and which subscriptions renew, on a phone, without paying.
What it does
- Finds recurring subscriptions in one place. On Premium, a team cancels them for you; its cost article says this usually takes 2 to 10 days. On Free you cancel them yourself.[4]
- Negotiates cable, phone and insurance bills for a success fee of 35% to 60% of the first year's savings.[4][5][6]
- Tracks upcoming bills, net income and spending, with automatic categories.[4]
- Custom budgets: unlimited budgets and custom categories on Premium. The cost article and help center list budgets as Premium only; the FAQ still says Free has up to two.[4][5][6]
- Premium adds transaction rules, splits, notes, tags, manual transactions, CSV export and the bill timeline.[4]
What the free plan leaves out
- Transaction rules, splits, notes, tags, manual transactions and CSV export. Those are Premium.[4]
- Real-time syncing, net worth, goals and desktop web access.[4]
- Cancelling subscriptions for you. On Free you cancel them yourself.[4][6]
- Budgets and the bill timeline. The cost article and help center list them as Premium, though the FAQ still says Free allows up to two custom category budgets.[4][5][6]
Good
- A free plan exists and covers subscription tracking, spending breakdowns and a credit score, with bill reminders per the help center.[4][5]
- Cancels subscriptions for you on Premium and negotiates bills.[4]
- Large installed base: 403K ratings on the App Store at 4.5 stars and 141K on Google Play at 4.5.[7][8]
- Premium is a sliding scale you pick yourself, with a 7-day trial.[4][5]
Not so good
- The price is not fixed: the learn article says $7 to $14 a month, the help center gives no numbers, and the App Store lists purchases from $2.99 to $9.99.[4][5][7]
- Bill negotiation costs 35% to 60% of the first year's savings for Free and Premium members.[4][5]
- On Free you cancel subscriptions yourself. Hands-off cancelling is Premium.[4][6]
- Budgets are not in the free plan per the cost article and help center (the FAQ still says two custom category budgets), so budgeting needs Premium.[4][5][6]
Pricing
- Free[4]FreeMobile only. Links accounts, lists subscriptions, spending breakdowns and a credit score. The cost article and help center list budgets, the bill timeline and custom categories as Premium; the FAQ still says Free allows up to two custom category budgets.
- Premium[4][5][7]Pay what you think is fair, "typically $7 to $14 per month, subject to change," per the learn article. The help center says the price varies by platform and gives no numbers. The App Store lists Premium purchases from $2.99 to $9.99 without billing periods.
- Premium+[4][5][7]$15 a monthA fixed $15 a month plus tax. Adds Rowan, an AI assistant that works through text messages, and no fee on bill negotiation.
- The help center says new Premium members get a 7-day free trial, then the subscription continues at the price chosen at sign-up. The learn article states no trial.[4][5]
- A free plan exists. It links accounts (not in real time), lists your subscriptions but you cancel them yourself, shows spending breakdowns and a credit score, and is mobile only. The cost article lists budgets and the bill timeline as Premium.[4][5]
“I selected 7 dollars per month and it still charged me for 15”Read it where it was said ↗
3. A free bank link with automatic categories and net worth
Empower Personal Dashboard
Free· iPhone, Android, Web· App Store 4.8 (421,639)[15]
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 Personal Dashboard is free, links bank accounts and cards (and loans and investments), tracks daily spending and categorizes transactions automatically. It is a net worth tool first, and its pages describe no limit per category. Many 2026 App Store reviews report the app freezing or accounts needing to be reconnected, so look for missing charges now and then.
Ideal for: Someone who wants spending and net worth across many accounts for free and is fine with offers from an advisory firm.
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.[13]
- Retirement planner: compare retirement ages, see what goals such as college or travel need, and set up withdrawals.[14]
- Budgeting and cash flow: tracks daily spending and expenses; transactions are categorized automatically.[12]
- Portfolio analysis: performance, risk level and where your money is invested.[12]
What the free dashboard leaves out
- A budget with limits. The pages describe tracking daily spending only.[12]
- A way around the bank link: a reviewer who wanted only their 401(k) says linking a bank account is required.[16]
- A partner or joint view: nothing on the pages opened describes one.[11][12][13][14]
Good
- The dashboard and its tools are free.[12]
- Covers retirement and investment accounts, not just bank and card spending.[12][14]
- 4.8 stars on the App Store from 421,639 ratings, for the app that also serves retirement-plan users.[15]
- Includes a Fee Analyzer and a retirement planner that tests different retirement ages.[14][17]
Not so good
- Advisory services are paid for with a fee based on assets under management; the free tools are offered next to them.[11][12]
- The pages describe budgeting only as tracking daily spending; no envelope, zero-based or per-category plan is described.[12]
- Nothing on the pages opened describes a spouse, partner or joint view.[11][12][13][14]
- Its own pages give two different advisory minimums: $100,000 and more than $250,000.[11][12][14]
Pricing
- Personal Dashboard[12]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".[12]
“4 out of 5 stars because I have to constantly reconnect my other investment accounts. It’s very annoying.”Read it where it was said ↗
4. Two people, free, with bank links on a phone
What it is
A free phone app for couples that shows both people's linked accounts, bills and budgets, with a choice of how much each person shares.
Why it's on this list
Honeydue's help center says it is 100% free with no feature behind a paywall, and it asks for an optional tip of $1 to $10 a month. For tracking, it links accounts, sorts spending into automatic or custom categories and sets monthly spending limits with alerts. Each partner chooses per account what the other sees. Its reviews are the catch: many say accounts stopped syncing and support didn't answer.
Ideal for: Two people who want a free app on their phones and a choice about what the other sees.
What it does
- Shared view of linked bank account balances, loans and investments. The site says it connects "over 20,000 financial institutions across 5 countries."[19][23]
- Choose what your partner sees per account: balances and transactions, balances only, or nothing.[21]
- Monthly household spending limits for each category, with alerts as you and your partner get close.[23]
- Bill reminders that notify you or your partner when a payment is due.[19][23]
What the free version leaves out
Nothing, by Honeydue's own account. What it doesn't have is in the cons above: it is a phone app with no web version listed.
Good
Pricing
- Free[20]FreeHoneydue's help center says, "Honeydue is 100% free for everybody, and we don't block any features with a paywall."
- Monthly tip (optional)[20][23]Any amount from $1 to $10 a month through the App Store or Google Play. The help center says tips fund new features. The App Store lists $0.99 to $9.99.
- The whole app is free. The only paid thing is the optional tip, which can be changed or cancelled in the App Store or Google Play.[20]
“Quit syncing after a month or so of use. As others have mentioned, support is nonexistent. Don’t waste your time.”Read it where it was said ↗
5. Free spending tracking next to credit scores
What it is
A free app for credit scores and reports that also tracks spending and net worth from your linked accounts.
Why it's on this list
Credit Karma is free, and it tracks monthly spending and categorizes transactions from linked accounts, per its App Store listing. It is a credit score app first. Reviewers in October 2026 say categories they set revert, some nightly, and complain about ads and credit card offers. If you want to correct categories and have the corrections stay, read those reviews first.
Ideal for: Someone who mainly wants free credit scores and a light look at where spending goes.
What it does
- Free credit score, credit report and credit monitoring.[27]
- "Get insights into where your money goes by connecting your accounts."[27]
- Tracks monthly spending and automatically categorizes transactions.[28]
- Has Cash Flow and net worth views; the home page does not describe them.[27]
What the free app leaves out
- A budgeting tool: the home page names only Cash Flow and a net worth view.[27]
- Any statement on whether spending insights are free: the home page doesn't say, though the App Store lists the app as Free.[27]
Good
Not so good
- No budgeting tool is named on the home page; it lists only Cash Flow and a net worth view.[27]
- The home page does not say whether spending insights are free.[27]
- App Store reviewers in October 2026 complain about ads, notifications and credit card offers.[29]
- App Store reviewers in October 2026 say categories they set revert to others, some nightly.[29]
Pricing
- App[28]FreeListed as Free on the App Store.
“...the nightly sync is disrupting my spending categories by resetting them each night”Read it where it was said ↗
6. Free spending sorted into needs, wants and savings
What it is
A free app from NerdWallet that tracks net worth and cash flow, sorts spending, and offers a cash account and automated investing.
Why it's on this list
NerdWallet's app is free to download, links accounts to show spending and transactions, and, per the App Store listing, sorts spending into needs, wants and savings. The NerdWallet page for the app describes it as a way to track wealth and invest and doesn't mention budgeting features. App Store reviewers in 2026 report lost history after accounts unlinked.
Ideal for: Someone who wants free net worth and credit tracking and a plain split of spending into needs, wants and savings.
What it does
- A net worth tracker that shows your finances in one view.[31]
- On the App Store: automatically sorts spending into needs, wants and savings.[32]
- Credit monitoring with alerts and an explanation of what affects your score.[32]
- Links accounts to show spending and transactions.[32]
What the free app leaves out
- Category limits: none are described on the pages opened.[31][32]
- A partner or shared view: the pages opened don't say whether one can join.
- Privacy without a trade: the listing says privacy practices include tracking identifiers across other companies' apps and websites.[32]
Good
Not so good
- nerdwallet.com/app describes the app as a way to track wealth and invest, and does not mention budgeting features for it.[31]
- No category budgets or limits are described on the pages opened.[31][32]
- The listing says privacy practices include tracking identifiers across other companies' apps and websites.[32]
- App Store reviewers in 2026 report lost data after accounts unlink, and a removed net worth graph.[33]
Pricing
- The App Store lists the app as Free with no in-app purchases shown.[32]
“...now that I can't see a net worth graph it's not as useful.”Read it where it was said ↗
7. A free tracker you type into, no end date
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 free version has no end date and is a real tracker: a monthly budget, unlimited categories and line items, split transactions and bill due dates, on the web, iPhone and Android. What it doesn't include is a bank connection, so every purchase is typed. Premium imports from your bank for $79.99 a year or $17.99 a month, which reviewers on the App Store call steep.
Ideal for: Someone who is happy to type in each purchase and wants a free tracker with no end date.
What it does
- Zero-based budgeting: plan every dollar before the month starts so income minus expenses equals zero.[36]
- Free: monthly budget, unlimited categories and line items, split transactions, due dates for bills, and savings goals for big purchases.[35][37]
- Sinking funds for future expenses, in the free version.[35][36]
- Premium imports transactions automatically from connected accounts. Ramsey says it uses Mastercard Connect and Plaid.[35]
- Premium plans spending around payday and bill due dates.[35][36]
What the free version leaves out
- Bank import. You type every transaction.[35][36]
- Custom reports, CSV export, payday-based spending planning, net worth tracking and coaching, which are Premium.[35][36][37]
Good
Not so good
- No bank import on the free version. You type every transaction.[35]
- Premium is $17.99 billed monthly, which is $215.88 over twelve months, against $79.99 billed yearly.[35]
- Rated 4.3 on Google Play, lower than the App Store's 4.7.[37][38]
- The plans page and the App Store show different Premium plans and prices.[35][37]
Pricing
- Free[35]FreeUsable as long as you want. Manual transaction entry, no bank import.
- Premium, monthly[35][37]$17.99 a monthBank import and the rest of Premium.
- Premium, yearly[35][37]$79.99 a yearShown by Ramsey as about $6.67 a month.
- Ramsey+, yearly[37]$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.[35]
- 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.[35][36]
“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 ↗
8. A free envelope tracker you type into
Goodbudget
Free, or $10/mo or $80/yr· iPhone, Android, Web· App Store 4.6 (13,516)[45]
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 free plan has no ads and tracks spending by envelope: you divide income into envelopes and record each purchase against one. The free plan has 10 regular envelopes, 10 annual or goal envelopes, 1 account, 2 devices and 1 year of history, and you enter transactions by hand. It works on the web, iPhone and Android. A reviewer sums up the trade: without paying you are "manually inputting every transaction".
Ideal for: Someone who likes envelopes, will type in each purchase and can live inside the free limits.
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.[47]
- The free plan has 10 regular envelopes and 10 annual or goal envelopes; Premium removes the cap.[40][41]
- Syncs and shares a budget across iPhone, Android and the web, with data backed up to Goodbudget's website.[43][45]
- Automatic bank sync is a Premium feature and works with US banks only. The free plan is manual entry.[40][41]
What the free plan leaves out
- Automatic bank sync, which is Premium and US banks only.[40][41]
- More than 1 account, 2 shared devices (Premium allows 5) or 1 year of history (Premium keeps 7 years). Premium is $10 a month or $80 a year.[40][41]
Good
Pricing
- Free[40][41]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[40][41]$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.
“Purchased and then failed to sync my main bank account. Then my other account stopped syncing after a few days.”Read it where it was said ↗
Free with a bank link, or free by typing
The free trackers fall into two groups, and the difference is how much work they ask of you every week.
- Free, and linked to your bank: Rocket Money's free plan, Empower, Honeydue, Credit Karma and NerdWallet. Nothing is typed. The trade is what each holds back or asks in return: Rocket Money keeps real-time sync and most of its rules for Premium, Empower and NerdWallet are net worth tools that happen to track spending, and Credit Karma is a credit score app first.
- Free, and typed by you: EveryDollar and Goodbudget. Both put the useful part, importing from a bank, behind a paid plan. In return the free version is a full budget with fewer strings, and nothing is connected to your bank.
Bank links can drop. Many reviews of the linked apps mention accounts that stopped syncing or needed reconnecting: Honeydue, Empower and Goodbudget's paid sync all draw them. Whichever you pick, glance at a month's totals against your bank statement once, so you know nothing is missing.
Free trials of paid apps
These aren't free, but each lets you see your spending for a while before you pay. Set a reminder for the day before charging starts. The full comparison of paid trackers is on best expense tracker apps.
- Monarch Money: 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.[49][50]
- Copilot Money: 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.[68][69][70]
- YNAB (You Need A Budget): 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.[72][75]
- PocketGuard: A 7-day free trial on each plan, "Try it free for 7 days".[60][61]
- Quicken Simplifi: "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.[84]
- Wonderful: 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.[1]
What's the catch
A free tracker has to earn money somewhere. Knowing where tells you what to expect inside the app.
- Honeydue: optional tips. The whole app is free. The only paid thing is the optional tip, which can be changed or cancelled in the App Store or Google Play.[20]
- Empower: Advisory services are paid: "Advisory fees are calculated based upon the amount of assets being managed." The percentage is in Empower Advisory Group's Form ADV, which was not opened.[11][15]
- NerdWallet: The Cash Account has a promotional boosted APY for new deposits, with a standard 3.50% APY afterward (the listing says APYs are accurate as of 10/27/2026 and subject to change). NerdWallet discloses it gets referral fees from the broker-dealer, Atomic Brokerage.[32]
- Rocket Money: Bill negotiation: Free and Premium members pay 35% to 60% of the first year's savings, within a range they choose, and nothing if nothing is saved. After the first year they keep 100% of the savings. Premium+ members pay no fee.[4][5]
- Credit Karma: the pages we read don't say how it earns. Its App Store reviews describe ads and credit card offers inside the app.[29]
- EveryDollar and Goodbudget: the paid plan, where bank import and sync live. EveryDollar Premium is $79.99 a year or $17.99 a month, and Goodbudget Premium is $10 a month or $80 a year.[35][37][40][41]
Tracking for free without an app
You can track spending with no software at all. List your categories down a page, write each purchase under one and total them at month end. It costs nothing, needs no bank login and asks for a few minutes a day, which is the same trade as the typing apps above. Our free printable monthly budget template gives you the sheet, and budget categories lists the usual names for the rows. If one of your recurring charges is the thing you are hunting for, the subscription manager apps roundup compares apps that find them.
How to choose
Decide first whether you will type. If you won't, pick from the linked group and accept what it holds back. If you will, EveryDollar and Goodbudget cost nothing for as long as you stay inside their limits.
Choose Rocket Money if you:
- Want a free bank link and spending breakdowns
- Want to see your subscriptions, and will cancel them yourself
- Use your phone, not a computer
Choose Empower Personal Dashboard if you:
- Want spending and net worth in one place
- Are fine with offers from an advisory firm
- Don't need a limit per category
Choose Honeydue if you:
- Are two people and want it free
- Want to choose what your partner sees
- Are fine with a phone app and some sync problems
Choose EveryDollar if you:
- Will type in each purchase
- Want a free tracker with no end date
- Might pay $79.99 a year later for bank import
Choose Goodbudget if you:
- Like envelopes
- Can stay within 10 + 10 envelopes and 1 account
- Don't mind entering transactions
Choose Wonderful if you:
- Are willing to pay $99 a year
- Want every charge sorted from your bank
- Want it to work for one person or two
Where Wonderful fits, and where it doesn't
If free is a requirement, Wonderful is the wrong answer: it has a free week and no free plan, and the free apps above will serve you better. If you are willing to pay $99 a year for the household, Wonderful connects your bank through Plaid, sorts every charge into a category and works for one person or two. It runs in the browser only, with no iPhone or Android app yet, and it gives no investment advice. See the paid trackers in best expense tracker apps and the free budgets in best free budgeting apps.
Questions people ask
What is the best free expense tracker app?
If you want your spending pulled from your bank, Rocket Money's free plan and Empower's dashboard both link accounts for free; Honeydue does too and is made for two. If you don't mind typing, EveryDollar's free version has no end date. None of them gives you everything at no cost, so check what the free side leaves out.
Is there a free expense tracker that connects to my bank?
Yes. Rocket Money's free plan links accounts, though not in real time. Empower's dashboard, Honeydue, Credit Karma and NerdWallet are free and link accounts too. EveryDollar and Goodbudget keep bank import and sync for their paid plans, so their free versions mean typing each purchase.
Is Rocket Money free?
It has a free plan and two paid ones. The free plan links accounts, lists subscriptions, and shows spending breakdowns and a credit score, on mobile only. Its cost article and help center list budgets and the bill timeline as Premium, though its FAQ still says Free allows two custom category budgets. Premium is typically $7 to $14 a month by the learn article's account, and Premium+ is a fixed $15 a month.
Is Empower free?
The Personal Dashboard is. Empower's pages say the dashboard and its financial tools are completely free. It earns from paid advisory services, whose fee is based on the assets managed, so expect offers. Its pages describe budgeting as tracking daily spending, not setting a limit per category.
Is EveryDollar free?
Yes, the free version has no end date. It has a monthly budget, unlimited categories, split transactions and bill due dates, but no bank import: you type every transaction. Premium is $79.99 billed yearly or $17.99 billed monthly.
Is there a free expense tracker for two people?
Honeydue is free and built for two, with a choice per account of what your partner sees. Goodbudget's free plan shares a budget across 2 mobile devices. Wonderful covers both partners for $99 a year, but it has no free plan after its free week.
Which free expense trackers work on iPhone and Android?
Rocket Money's free plan, Empower, Honeydue, Credit Karma, NerdWallet, EveryDollar and Goodbudget all have iPhone and Android apps. Honeydue and NerdWallet list no web version, and Rocket Money's free plan is mobile only. Goodbudget, EveryDollar, Empower and Credit Karma also list the web.
How do free expense trackers make money?
Honeydue asks for optional tips. Empower earns from advisory services. NerdWallet discloses referral fees on its Cash Account. Rocket Money sells Premium and takes 35% to 60% of the first year's savings when it negotiates a bill for Free and Premium members. Credit Karma's pages we read don't say; its reviewers describe ads and credit card offers.
Is typing in expenses worth it?
It costs nothing and makes you look at each purchase, but it takes time and entries get missed. A bank link removes the typing and can drop a connection, so check for missing charges either way. Our expense tracker roundup compares paid apps by how spending gets in.
Can I track expenses for free without an app?
Yes. A sheet with a line for each category and a total at the end works, and none of it needs a bank login. The free monthly budget template gives you one, and the budget categories guide helps you name the lines.
Sources
86 sources · read November 2, 2026
Every number on this page comes from wonderful.money, rocketmoney.com, help.rocketmoney.com and 20 more. If a source has changed since, the source is right.
- 1Wonderful terms of servicewonderful.money
- 2Wonderful privacy policywonderful.money
- 3Wonderfulwonderful.money
- 4Rocket Money: How much does Rocket Money costrocketmoney.com
- 5Rocket Money help center: How much does Rocket Money costhelp.rocketmoney.com
- 6Rocket Money FAQframer.rocketmoney.com
- 7Rocket Money on the App Storeapps.apple.com
- 8Rocket Money on Google Playplay.google.com
- 9Apple public review feed for Rocket Moneyitunes.apple.com
- 10Trustpilot, rocketmoney.comtrustpilot.com
- 11Empower home pageempower.com
- 12Empower tools pageempower.com
- 13Empower net worth toolempower.com
- 14Empower retirement plannerempower.com
- 15App Store listing, Empowerapps.apple.com
- 16App Store reviews, Empowerapps.apple.com
- 17Empower free tools pageempower.com
- 18Honeydue home pagehoneydue.com
- 19Honeydue: How it workshoneydue.com
- 20Honeydue help: How does Honeydue earn moneysupport.honeydue.com
- 21Honeydue help: Will my partner see my accountssupport.honeydue.com
- 22Honeydue Joint Cashhoneydue.com
- 23Honeydue on the App Storeapps.apple.com
- 24Honeydue on Google Playplay.google.com
- 25Apple public review feed for Honeydueitunes.apple.com
- 26Honeydue help: Account issues and inviting a partnersupport.honeydue.com
- 27Credit Karma homecreditkarma.com
- 28Intuit Credit Karma on the App Storeapps.apple.com
- 29App Store reviews feed for Intuit Credit Karma (most recent)itunes.apple.com
- 30Trustpilot, creditkarma.comtrustpilot.com
- 31NerdWallet app pagenerdwallet.com
- 32NerdWallet: Smart Money App on the App Storeapps.apple.com
- 33App Store reviews feed for NerdWallet (most recent)itunes.apple.com
- 34Trustpilot, nerdwallet.comtrustpilot.com
- 35EveryDollar plans (Ramsey Solutions)ramseysolutions.com
- 36EveryDollar budget page (Ramsey Solutions)ramseysolutions.com
- 37EveryDollar on the App Storeapps.apple.com
- 38EveryDollar on Google Playplay.google.com
- 39Apple public review feed for EveryDollaritunes.apple.com
- 40Goodbudget pricing (signup page)goodbudget.com
- 41Goodbudget help: Subscribe to Goodbudgetgoodbudget.com
- 42Goodbudget refunds and cancellationsgoodbudget.com
- 43Goodbudget home pagegoodbudget.com
- 44Goodbudget help indexgoodbudget.com
- 45App Store listing, Goodbudgetapps.apple.com
- 46App Store reviews, Goodbudgetapps.apple.com
- 47Goodbudget envelope budgeting pagegoodbudget.com
- 48Goodbudget changeloggoodbudget.com
- 49Monarch pricingmonarch.com
- 50Monarch on the App Storeapps.apple.com
- 51Monarch on Google Playplay.google.com
- 52Monarch home pagemonarch.com
- 53Monarch for couplesmonarch.com
- 54Monarch collaborationmonarch.com
- 55Monarch budgetingmonarch.com
- 56Monarch planningmonarch.com
- 57Apple public review feed for Monarchitunes.apple.com
- 58Monarch help: Monarch for Couples and Householdshelp.monarch.com
- 59Trustpilot, www.monarchmoney.comtrustpilot.com
- 60PocketGuard home pagepocketguard.com
- 61PocketGuard pricingpocketguard.com
- 62PocketGuard help: Plus overviewpocketguard.com
- 63PocketGuard help: all featurespocketguard.com
- 64App Store listing, PocketGuardapps.apple.com
- 65App Store reviews, PocketGuardapps.apple.com
- 66Trustpilot, pocketguard.comtrustpilot.com
- 67Copilot Money homecopilot.money
- 68Copilot Money pricingcopilot.money
- 69Copilot Money FAQcopilot.money
- 70Copilot on the App Storeapps.apple.com
- 71Apple public review feed for Copilotitunes.apple.com
- 72YNAB pricingynab.com
- 73YNAB featuresynab.com
- 74The YNAB methodynab.com
- 75YNAB on the App Storeapps.apple.com
- 76YNAB on Google Playplay.google.com
- 77Apple public review feed for YNABitunes.apple.com
- 78YNAB: Using YNAB as Partnerssupport.ynab.com
- 79Trustpilot, ynab.comtrustpilot.com
- 80Quicken Simplifi product pagequicken.com
- 81Quicken blog: personal finance software with the best customer supportquicken.com
- 82Simplifi help: How to use Spaces sharingsupport.simplifi.quicken.com
- 83Simplifi help: How to cancel and get a refundsupport.simplifi.quicken.com
- 84Simplifi help: Subscription questionssupport.simplifi.quicken.com
- 85App Store listing, Quicken: Budget & Track Moneyapps.apple.com
- 86App Store reviews, Quicken: Budget & Track Moneyapps.apple.com
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