Quick picks
- Best for planning every dollarYNAB
- Best for seeing every accountMonarch
- Best free zero-based budgetEveryDollar
- Best free envelope budgetGoodbudget
- Best for couples with their own moneyOaktally
- Best on iPhone and MacCopilot
- Best for cutting subscriptionsRocket Money
- Best free app for couplesHoneydue
10 budgeting apps side by side
| Feature | Oaktally | YNAB | Monarch | EveryDollar | Goodbudget | Copilot | Rocket Money | Honeydue |
|---|---|---|---|---|---|---|---|---|
| Price | $5.99 or $12.99 a month, for two adults | $14.99 a month | $14.99 a month | Free or $17.99 a month | Free or $10 a month | $109 a year | Free or $7 to $14 a month | Free |
| Free plan | No | No | No | Yes | Yes | No | Yes | Yes |
| Free trial | 7 days | 34 days | 7 days | 14 days of Premium | Not listed | 1 month | 7 days of Premium | Free app |
| Bank sync | No | Yes | Yes | On Premium | On Premium | Yes | Yes | Yes |
| Share with a partner | Yes | Up to 6 people | Household invites | Household feature | Sync devices | Up to 3 people | On Premium | Yes |
| Keep your own spending private | Yes | Not listed | Both see every account | Not listed | Not listed | Not listed | Not listed | Choose what to share |
| Platforms | iPhone, launching soon | iPhone, Android, web | iPhone, Android, web | Phone, tablet, computer | iPhone, Android, web | iPhone, Mac, web | iPhone, Android | iPhone, Android |
How we chose
- Price, read from each company's own pricing page or App Store listing.
- Whether there is a free plan or a trial, and what it includes.
- Bank sync: does it pull in transactions on its own.
- Sharing: can a partner use the same budget, and what they see.
- Platforms: iPhone, Android, web.
1YNAB: best for planning every dollar
$14.99 a month or $109 a year. 34-day free trial.
Good at
- You plan what each dollar does before you spend it
- One plan covers up to six people
- The longest free trial on this list
Falls short
- Among the priciest here
- Bank import works with select US, Canadian, UK and EU banks
Source: YNAB pricing
2Monarch: best for seeing every account
$14.99 a month or $99.99 a year. 7-day free trial.
Good at
- Accounts, investments and net worth in one view
- Invite your household at no extra cost, each with their own login
- Two ways to budget: Flex or by category
Falls short
- Partners see every account and transaction
- Short trial
Source: Monarch pricing
3EveryDollar: best free zero-based budget
Free. Premium is $17.99 a month or $79.99 a year, with a 14-day trial.
Good at
- The free plan keeps going as long as you want
- Plans every dollar before you spend it
- A household feature for couples
Falls short
- On the free plan you type every transaction
- Bank sync needs Premium
Source: EveryDollar
4Goodbudget: best free envelope budget
Free with 20 envelopes. Premium is $10 a month or $80 a year.
Good at
- Envelope budgeting, on the web, iPhone and Android
- Share a budget by syncing up to 2 devices free, 5 on Premium
Falls short
- Free keeps 1 account and 1 year of history
- Bank sync is Premium and US banks only
Source: Goodbudget
5Oaktally: best for couples who keep their own money
$5.99 or $12.99 a month, for two adults. 7-day free trial.
Good at
- Made for two people who share bills and keep their own spending
- Splits each shared bill by income or 50/50 and shows who owes whom
- Add spending by voice or receipt photo in a few seconds
Falls short
- No bank sync: you add each purchase yourself
- iPhone only, and not out yet
- No free plan
Source: Oaktally
6Copilot: best on iPhone and Mac
$109 a year, or $18 a month on the App Store. 1-month free trial.
Good at
- Syncs with 16,000+ US institutions, plus Venmo, Apple Card and Coinbase
- Up to 3 people on one account at no extra cost
Falls short
- No Android app
- US banks only
Source: Copilot pricing
7Rocket Money: best for cutting subscriptions
Free. Premium is pay what you think is fair, $7 to $14 a month, with a 7-day trial.
Good at
- Finds and cancels subscriptions
- Can negotiate some bills for you
Falls short
- Category budgets need Premium
- A partner login needs Premium
Source: Rocket Money
8Honeydue: best free app for couples
Free. Optional tips from $0.99.
Good at
- Built for couples: you choose how much you share
- Bill reminders and household spending limits
Falls short
- Tracks accounts more than it plans the month
- iPhone and Android only, no web
Source: Honeydue on the App Store
9Quicken Simplifi: best low-cost all-in-one
$6.99 a month billed yearly. $3.99 a month for the first year through November 26, 2026.
Good at
- Connects to 14,000+ financial institutions
- Add one other person with spaces and sharing
Falls short
- Some features are web only
- The intro price renews at the regular rate
Source: Quicken Simplifi
10Empower: best free investment tracker
Free.
Good at
- Free retirement planner with scenarios
- Sees all your accounts in one place
Falls short
- Budgeting is a monthly spending target, not a full plan
Source: Empower on the App Store
How to pick
Start with how you want to budget. Planning every dollar points to YNAB or EveryDollar. Watching every account points to Monarch or Copilot. Envelopes point to Goodbudget.
Free or paid
EveryDollar, Goodbudget, Honeydue, Rocket Money and Empower all have free plans. Free usually means typing transactions yourself or fewer budgets.
If you budget as a couple
Check what your partner can see. In Monarch both see every account; in Honeydue you choose. Oaktally keeps your own spending private and shares only the plan. Basic is $5.99 a month or $59.99 a year; Premium is $12.99 a month or $129.99 a year. Both cover two adults.
What Oaktally does not do yet
Oaktally does not connect to your bank. You add spending by voice, with a receipt photo or with a tap, which takes a few seconds and keeps you looking at every purchase.
How we compared
Oaktally publishes this page, so we are not neutral. Prices and features checked on each company's own site on October 29, 2026. We did not test the other apps hands-on.
Frequently asked questions
What is the best budgeting app?
It depends on how you budget. YNAB suits planning every dollar, Monarch suits tracking all your accounts, and EveryDollar or Goodbudget suit a free budget.
What is the best free budgeting app?
EveryDollar and Goodbudget both have free plans that keep going. EveryDollar is zero-based; Goodbudget uses envelopes. Honeydue is free and made for couples.
Which budgeting app is cheapest?
Free plans aside, Quicken Simplifi lists $6.99 a month billed yearly, and Oaktally Basic is $5.99 a month for two adults.
Which budgeting apps connect to my bank?
YNAB, Monarch, Copilot, Rocket Money, Honeydue, Simplifi and Empower sync. EveryDollar and Goodbudget sync on Premium. Oaktally does not.
What is the best budgeting app for couples?
Honeydue is free and lets you choose what to share. Oaktally is made for couples who split bills and keep their own money. Monarch shares every account with your partner.
Is YNAB worth $14.99 a month?
If you will plan every dollar each month, many people find it is. Use the 34-day trial to find out before you pay.
What is the best budgeting app for Android?
YNAB, Monarch, Goodbudget, Rocket Money, Honeydue and Simplifi have Android apps. Copilot and Oaktally do not.
Are budgeting apps safe?
Check how each app connects to your bank and what it stores. Oaktally never asks for your bank login, because it does not connect to banks.
Further reading
YNAB pricing ↗Monarch pricing ↗EveryDollar ↗Goodbudget: plans ↗Copilot pricing ↗Rocket Money: How much does it cost? ↗Honeydue on the App Store ↗Quicken Simplifi ↗Empower on the App Store ↗Educational examples, not individual financial advice.