Best Personal Budget Tracker
Updated February 2026
Join the millions that have trusted BuyersGuide.org to help them make smarter buying decisions. Let our independent expert reviews and data-driven shopping recommendations help you find the budgeting app that's right for your lifestyle.
Best Personal Budget Tracker
2026 Buyer's GuideUpdated February 2026
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1153 people chose Quicken Simplifi this week!
50% Off Plans, Just $2.99 Per Month
- Budgeting & Goals: Spending plan + cash flow projection
- Investing: Basic investment tracking
- Unique Features: Net worth calculation, retirement planner, refund and return tracker, credit score tracking, secure sharing, comprehensive portfolio insights, performance tracking, access to real-time quotes
- Bank Sync & Alerts: Auto bank sync, alerts
- Best For: Users wanting straightforward cash-flow insights
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1153 people chose Quicken Simplifi this week!
50% Off Plans, Just $2.99 Per Month
- Budgeting & Goals: Spending plan + cash flow projection
- Investing: Basic investment tracking
- Unique Features: Net worth calculation, retirement planner, refund and return tracker, credit score tracking, secure sharing, comprehensive portfolio insights, performance tracking, access to real-time quotes
- Bank Sync & Alerts: Auto bank sync, alerts
- Best For: Users wanting straightforward cash-flow insights
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Limited Time - $1 for 1 Year Subscription
- Budgeting & Goals: Create a budget with custom categories & view all your transactions in one place to gain insights into your spend, subscriptions, and cash flow.
- Investing: Track your portfolio all in one place plus AUM fee free investing
- Unique Features: 24/7 AI chat, instant chart insights, smart financial updates and investing tools, visual forecasting
- Bank Sync & Alerts: Sync with Plaid. Real-time notifications about changes to your spending, investments, and credit score
- Best For: Users seeking a holistic financial suite of products
- Disclosure: For a limited time, your first year of Origin is just $1 (renews at $99, cancel anytime)
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Limited Time - $1 for 1 Year Subscription
- Budgeting & Goals: Create a budget with custom categories & view all your transactions in one place to gain insights into your spend, subscriptions, and cash flow.
- Investing: Track your portfolio all in one place plus AUM fee free investing
- Unique Features: 24/7 AI chat, instant chart insights, smart financial updates and investing tools, visual forecasting
- Bank Sync & Alerts: Sync with Plaid. Real-time notifications about changes to your spending, investments, and credit score
- Best For: Users seeking a holistic financial suite of products
- Disclosure: For a limited time, your first year of Origin is just $1 (renews at $99, cancel anytime)
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- Budgeting & Goals: Auto-categorize spending + Smart Money
- Investing: Guided investing & fractional shares
- Unique Features: Cash advance, cashback features
- Bank Sync & Alerts: Links accounts, real-time alerts
- Best For: Cost-conscious users wanting automated saving tips
- Disclosure: Try for 30 days before you're charged. Plans start at $14.99/mo. Fees auto-renew until canceled. Cancel in the app. Terms apply.
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- Budgeting & Goals: Auto-categorize spending + Smart Money
- Investing: Guided investing & fractional shares
- Unique Features: Cash advance, cashback features
- Bank Sync & Alerts: Links accounts, real-time alerts
- Best For: Cost-conscious users wanting automated saving tips
- Disclosure: Try for 30 days before you're charged. Plans start at $14.99/mo. Fees auto-renew until canceled. Cancel in the app. Terms apply.
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Get Started from $3/Month
- Budgeting & Goals: Automated “Round‑Up” investing of spare change; recurring investment; spending tracking to build a budget foundation
- Investing: Yes — offers diversified ETF portfolios, retirement accounts, custodial accounts for kids
- Unique Features: Micro‑investing + spare change round‑ups; checking account option; beginner‑friendly savings & investing in one app
- Bank Sync & Alerts: Links to debit/credit cards for Round‑Ups; bank account connection; alerts on spending/savings goals
- Best For: Beginners wanting to save/invest effortlessly via automation
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Get Started from $3/Month
- Budgeting & Goals: Automated “Round‑Up” investing of spare change; recurring investment; spending tracking to build a budget foundation
- Investing: Yes — offers diversified ETF portfolios, retirement accounts, custodial accounts for kids
- Unique Features: Micro‑investing + spare change round‑ups; checking account option; beginner‑friendly savings & investing in one app
- Bank Sync & Alerts: Links to debit/credit cards for Round‑Ups; bank account connection; alerts on spending/savings goals
- Best For: Beginners wanting to save/invest effortlessly via automation
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- Budgeting & Goals: Create unlimited budgets with transaction split, Financial Goals savings feature
- Investing: Net worth tracking, investment overview
- Unique Features: Bill negotiation (35–60% of savings fee), Financial Goals, concierge support
- Bank Sync & Alerts: Real‑time bank sync, balance alerts
- Best For: Individuals with multiple subscriptions, those looking to save money and automate bills
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- Budgeting & Goals: Create unlimited budgets with transaction split, Financial Goals savings feature
- Investing: Net worth tracking, investment overview
- Unique Features: Bill negotiation (35–60% of savings fee), Financial Goals, concierge support
- Bank Sync & Alerts: Real‑time bank sync, balance alerts
- Best For: Individuals with multiple subscriptions, those looking to save money and automate bills
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Start for Free
- Budgeting & Goals: AI-powered budgets, net‑worth tracking, automated money “Moves” toward goals
- Investing: Limited (shows linked investment accounts but not full broker)
- Unique Features: Two‑tap AI budgets, MyPlan™ financial planning, spending insights, Daily Digs & partner perks
- Bank Sync & Alerts: Auto bank sync with 99% of US & Canadian institutions
- Best For: Users who want AI‑guided budgeting & automated financial planning
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Start for Free
- Budgeting & Goals: AI-powered budgets, net‑worth tracking, automated money “Moves” toward goals
- Investing: Limited (shows linked investment accounts but not full broker)
- Unique Features: Two‑tap AI budgets, MyPlan™ financial planning, spending insights, Daily Digs & partner perks
- Bank Sync & Alerts: Auto bank sync with 99% of US & Canadian institutions
- Best For: Users who want AI‑guided budgeting & automated financial planning
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Save up to 50%
- Budgeting & Goals: Simple budgeting functions
- Investing: Credit monitoring only
- Unique Features: Extensive credit score & report resources
- Bank Sync & Alerts: Bank sync, balance & credit alerts
- Best For: Credit-conscious users
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Save up to 50%
- Budgeting & Goals: Simple budgeting functions
- Investing: Credit monitoring only
- Unique Features: Extensive credit score & report resources
- Bank Sync & Alerts: Bank sync, balance & credit alerts
- Best For: Credit-conscious users
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50% Off Your 1st Year, code MONARCHVIP
- Budgeting & Goals: Customizable zero-based budgets with flex or category based budgeting
- Investing: Detailed portfolio & advisor tools
- Unique Features: Link multiple joint and individual accounts for a complete family financial picture
- Bank Sync & Alerts: Syncs with over 13,000 institutions, notifications
- Best For: Couples, advisors, and power users
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50% Off Your 1st Year, code MONARCHVIP
- Budgeting & Goals: Customizable zero-based budgets with flex or category based budgeting
- Investing: Detailed portfolio & advisor tools
- Unique Features: Link multiple joint and individual accounts for a complete family financial picture
- Bank Sync & Alerts: Syncs with over 13,000 institutions, notifications
- Best For: Couples, advisors, and power users
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45-Day Free Trial + Basic Plan Free to Those With a .mil Email
- Budgeting & Goals: Powerful budgeting tools, savings goal setting, cash flow projection feature
- Investing: Basic investment tracking
- Unique Features: Quicken and Simplifi import capability, an attachment feature so you can add receipts transactions.
- Bank Sync & Alerts: Auto sync with banks, credit cards, investment accounts, loans and mortgages
- Best For: Users looking for a simple budgeting tool, small businesses, freelancers, consultants looking for an invoicing tool
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45-Day Free Trial + Basic Plan Free to Those With a .mil Email
- Budgeting & Goals: Powerful budgeting tools, savings goal setting, cash flow projection feature
- Investing: Basic investment tracking
- Unique Features: Quicken and Simplifi import capability, an attachment feature so you can add receipts transactions.
- Bank Sync & Alerts: Auto sync with banks, credit cards, investment accounts, loans and mortgages
- Best For: Users looking for a simple budgeting tool, small businesses, freelancers, consultants looking for an invoicing tool
We also considered 1 other:
Our Top Choice
1
1153 people chose Quicken Simplifi this week!
50% Off Plans, Just $2.99 Per Month
- Budgeting & Goals: Spending plan + cash flow projection
- Investing: Basic investment tracking
- Unique Features: Net worth calculation, retirement planner, refund and return tracker, credit score tracking, secure sharing, comprehensive portfolio insights, performance tracking, access to real-time quotes
- Bank Sync & Alerts: Auto bank sync, alerts
- Best For: Users wanting straightforward cash-flow insights
1
1153 people chose Quicken Simplifi this week!
50% Off Plans, Just $2.99 Per Month
- Budgeting & Goals: Spending plan + cash flow projection
- Investing: Basic investment tracking
- Unique Features: Net worth calculation, retirement planner, refund and return tracker, credit score tracking, secure sharing, comprehensive portfolio insights, performance tracking, access to real-time quotes
- Bank Sync & Alerts: Auto bank sync, alerts
- Best For: Users wanting straightforward cash-flow insights
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