The short version
Budgeting apps that connect to your bank mostly cost $10 to $18 a month, or $75 to $110 a year: YNAB is $14.99 a month or $109 a year, Monarch $14.99 or $99.99, Lunch Money $10 or $100, Tiller $99 a year, EveryDollar $79.99 a year and Wonderful $14.99 or $99 for both partners. Most offer a trial of a week to a month. Free options exist (Honeydue, Empower, Actual Budget), each with its own limits, shown in the table. The Checked column shows the day each row was read.
Budgeting apps
Prices are in US dollars. Where an app has several plans, the cheapest paid one is shown and named. "Not published" means the app's own pages don't state it. Apps with a pricing page link to it.
| App | Monthly | Yearly | Free trial | Free plan | Partner login | Checked |
|---|---|---|---|---|---|---|
| Wonderful | $14.99 | $99 | 1 week | No | IncludedOne price for both | October 27 |
| YNAB (You Need A Budget)pricing page | $14.99 | $109 | 34 days (30 in App Store) | No | IncludedUp to six people on one subscription | October 27 |
| Monarch Moneypricing page | $14.99 | $99.99 | 7 days | No | IncludedOwn login, same subscription | October 27 |
| Copilot Moneypricing page | $18 | $109 | 1 month (per App Store and FAQ) | No | IncludedUp to 3 people, shown as coming soon | November 2 |
| Quicken Simplifipricing page | Billed yearly only | $6.99 a month billed yearly (first-year offer $3.99) | None; 30-day money back | No | IncludedOne more member, own Quicken ID, no subscription of their own | November 2 |
| EveryDollarpricing page | $17.99 | $79.99 | 14 days | Yes | Not statedHousehold feature; free or Premium not stated | October 27 |
| Rocket Moneypricing page | $7 to $14 (you choose); Premium+ $15 | Not published | 7 days | Yes | Not statedSharing is a Premium feature; no extra price stated | November 2 |
| Originpricing page | Not published | $99 ($1 first year) | None | No | Included | October 27 |
| Lunch Moneypricing page | $10 | $100 | 30 days | No | Not statedCollaborators with own logins; price not stated | November 8 |
| PocketSmithpricing page | $14.95 (Foundation) | $119.88 (Foundation) | None; 14-day money back | Yes | Not statedCollaborator access; cost not stated | November 8 |
| PocketGuardpricing page | $12.99 | $74.99 (lifetime $149.99) | 7 days | No | Not stated | November 3 |
| Goodbudgetpricing page | $10 | $80 | Not published | Yes | Not statedBudget shared across devices, 2 free and 5 Premium | November 3 |
| Quicken Classicpricing page | Billed yearly only | $4.49 to $10.99 a month billed yearly | Not published | No | IncludedShared data file, no subscription for the partner; built for one user | November 3 |
| Tillerpricing page | Not published | $99 | 30 days | No | Not stated | November 3 |
| Banktivity | $6.99 (Bronze) | $59.99 (Bronze) | 30 days | No | Not stated | November 2 |
| Spendee | $1.99 (Plus) | $14.99 (Plus) | 7 days | Yes | Not statedShared wallets on Plus and Premium | November 2 |
| Fudget | Not published | $19.99 (Plus) | 7 days | Yes | IncludedPlus lets you share with a loved one | November 2 |
| Qapital | $3 (Basic) | Not published | 30 days | No | Not statedShared goals with a partner on Basic | October 27 |
| Cushion | $18 | $180 | 14 days, no card | No | Not stated | November 3 |
| Moneydance | $9 to subscribe | $90 to subscribe; $65 buy once | Limited to 100 manual transactions | No | IncludedOne license per household | November 3 |
| Wallet by BudgetBakers | Not published | Not published | Not published | Yes | IncludedGroup Sharing in Premium | November 2 |
| Honeydue | Free (optional $1 to $10 tip) | Free | None needed | Yes | IncludedBuilt for two | November 3 |
Planning and net worth
| App | Monthly | Yearly | Free trial | Free plan | Partner login | Checked |
|---|---|---|---|---|---|---|
| Boldin | $14 (PlannerPlus) | $168 (PlannerPlus) | 14 days | Yes | Not stated | November 3 |
| ProjectionLab | Not published | $129 (Premium) | Offered, length not stated | Yes | Not stated"Plan as a couple" feature | November 3 |
| Kubera | Not published | $250 | 14 days | No | Not stated | October 27 |
Free apps
| App | Monthly | Yearly | Free trial | Free plan | Partner login | Checked |
|---|---|---|---|---|---|---|
| Empower Personal Dashboard | Free | Free | None needed | Yes | Not stated | October 27 |
| Actual Budget | Free | Free | None needed | Yes | Not statedOpen source | November 3 |
| GnuCash | Free | Free | None needed | Yes | Not statedOpen source | November 3 |
| Credit Karma | Free | Free | None needed | Yes | Not stated | October 27 |
| NerdWallet | Free | Free | None needed | Yes | Not stated | November 2 |
Splitting costs and travel
| App | Monthly | Yearly | Free trial | Free plan | Partner login | Checked |
|---|---|---|---|---|---|---|
| Splitwise | Not published | Not published | Not published | Yes | Not statedPro price not on its pages | November 3 |
| Settle Up | $3.99 (Premium) | $19.99 (Premium); group $39.99 | Not published | Yes | Not stated | November 3 |
| Tricount | Free | Free | None needed | Yes | Not stated | November 3 |
| TravelSpend | Not published | Not published | Not published | Yes | Not statedPremium sold only in the App Store | November 3 |
What a couple pays
Where the Partner login column says Included, a partner joins under the same subscription: Wonderful, YNAB, Monarch, Origin, Simplifi, Fudget Plus and Honeydue. The apps marked Not stated don't say on their own pages whether a second person costs extra, so check before you pay for two. See the best budgeting apps for couples.
Questions people ask
How much do budgeting apps cost?
Most budgeting apps that connect to your bank cost $10 to $18 a month, or $75 to $110 a year. The cheapest paid ones in the table are under $60 a year and the dearest, like PocketSmith's top plan, run over $300. Several apps are free.
Which budgeting app is cheapest?
Honeydue, Actual Budget, GnuCash, Empower, Credit Karma and NerdWallet are free. Among paid apps with bank sync, EveryDollar ($79.99 a year) and PocketGuard ($74.99 a year) are the lowest of the main ones in the table.
What does a couple pay?
Wonderful, YNAB, Monarch, Origin and Simplifi each cover a partner under one subscription. Where the table says Not stated, the app's own pages don't say whether a partner costs extra.
Which budgeting apps have a free plan?
The Yes column in the table. Of the main paid apps, EveryDollar, Goodbudget, PocketSmith, Rocket Money and Spendee have one, each with limits.
Sources
34 sources · read November 8, 2026
Every number on this page comes from wonderful.money, ynab.com, monarch.com and 30 more. If a source has changed since, the source is right.
- 1Wonderfulwonderful.money
- 2YNAB (You Need A Budget)ynab.com
- 3Monarch Moneymonarch.com
- 4Copilot Moneycopilot.money
- 5Quicken Simplifiquicken.com
- 6EveryDollarramseysolutions.com
- 7Rocket Moneyrocketmoney.com
- 8Originuseorigin.com
- 9Lunch Moneylunchmoney.app
- 10PocketSmithpocketsmith.com
- 11PocketGuardpocketguard.com
- 12Goodbudgetgoodbudget.com
- 13Quicken Classicquicken.com
- 14Tillertiller.com
- 15Banktivitybanktivity.com
- 16Spendeespendee.com
- 17Fudgetfudget.com
- 18Qapitalqapital.com
- 19Cushioncushionapp.com
- 20Moneydancemoneydance.com
- 21Wallet by BudgetBakersbudgetbakers.com
- 22Honeyduehoneydue.com
- 23Boldinboldin.com
- 24ProjectionLabprojectionlab.com
- 25Kuberakubera.com
- 26Empower Personal Dashboardempower.com
- 27Actual Budgetactualbudget.org
- 28GnuCashgnucash.org
- 29Credit Karmacreditkarma.com
- 30NerdWalletnerdwallet.com
- 31Splitwisesplitwise.com
- 32Settle Upsettleup.io
- 33Tricounttricount.com
- 34TravelSpendtravelspend.app
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.