# AppsForBudgeting > An independent directory of 19 budgeting apps with prices checked on each official site in October 2026. Built with families and couples with young kids in mind. Independent directory of budgeting apps. Prices and features come from each app's official site or help center, checked Oct 2026. No ratings, no paid placements. Some links are labeled referral links (currently Monarch Money); they don't affect listings or copy. ## Key pages - [Best budgeting apps for families and couples with young kids](https://appsforbudgeting.com/best-for-families): shared budgets, free options, planning for childcare - [Compare all apps](https://appsforbudgeting.com/compare): price, platforms, bank sync, style - [About and disclosure](https://appsforbudgeting.com/about) ## Apps (pricing as of Oct 2026) - [YNAB (You Need A Budget)](https://appsforbudgeting.com/apps/ynab): Zero-based budgeting app where you assign every dollar a job before you spend it. Pricing: $14.99 per month or $109 per year (USD, plus tax where applicable), after a 34-day free trial. Sharing: One YNAB subscription can be shared with partners and family, up to six people, at no extra cost. - [Monarch Money](https://appsforbudgeting.com/apps/monarch): All-in-one money app: budgets, spending, investments, net worth and goals with automatic account syncing. Pricing: $14.99 per month or $99.99 per year, with a 7-day free trial. Sharing: Household members join free under one subscription. Each gets their own login, and everyone sees all connected accounts (accounts can’t be hidden from a member). - [Copilot Money](https://appsforbudgeting.com/apps/copilot-money): Polished spending, budget and investment tracker that auto-categorizes transactions and learns your patterns. Pricing: $95 per year (shown as $7.92 per month), with a monthly option and a free trial. - [Quicken Simplifi](https://appsforbudgeting.com/apps/quicken-simplifi): Spending-plan app from Quicken that starts with income, subtracts bills and shows what is left to spend. Pricing: $6.99 per month, billed annually. Quicken was showing a first-year discount to $3.99 per month when we checked. Sharing: Quicken says you can share a Simplifi account with someone else. - [EveryDollar](https://appsforbudgeting.com/apps/everydollar): Ramsey Solutions’ zero-based budget app, built around paying off debt. Pricing: Free version with manual entry. Premium costs $79.99 per year or $17.99 per month after a 14-day free trial. - [Empower Personal Dashboard](https://appsforbudgeting.com/apps/empower): Free dashboard for net worth, investments, retirement planning and spending, from wealth manager Empower. Pricing: The Personal Dashboard is free. Empower also sells paid advisory services. - [PocketGuard](https://appsforbudgeting.com/apps/pocketguard): Spending app that shows how much is safe to spend after bills, goals and necessities. Pricing: Premium costs $12.99 per month, $74.99 per year, or $149.99 once for lifetime access, with a 7-day free trial. - [Goodbudget](https://appsforbudgeting.com/apps/goodbudget): Digital envelope budgeting that syncs across devices, built for sharing a budget. Pricing: Free plan (10 regular envelopes, 1 account, 2 devices, 1 year of history). Plus costs $8 per month or $70 per year. Premium costs $10 per month or $80 per year and adds US bank sync and 5 devices. Sharing: One budget syncs across devices: 2 on the free plan, 5 on Premium. - [Rocket Money](https://appsforbudgeting.com/apps/rocket-money): Tracks spending and subscriptions, helps cancel ones you don’t need, and offers bill negotiation. Pricing: Free version. Premium is "choose your price", typically $7 to $14 per month, and Premium+ costs $15 per month. Bill negotiation charges 35% to 60% of the first year’s savings, which you choose. - [Tiller](https://appsforbudgeting.com/apps/tiller): Feeds your bank transactions into Google Sheets or Excel so you can budget in a spreadsheet. Pricing: $99 per year after a 30-day free trial. - [Lunch Money](https://appsforbudgeting.com/apps/lunch-money): Web-first budgeting and spending tracker known for multicurrency support and an open API. Pricing: $10 per month after a 30-day trial. An annual plan is also offered. - [Actual Budget](https://appsforbudgeting.com/apps/actual-budget): Free, open-source, local-first envelope budgeting app you can self-host. Pricing: Free and open source. You run it yourself or use a paid third-party host such as PikaPods. - [MoneyWiz](https://appsforbudgeting.com/apps/moneywiz): Full-featured personal finance manager with budgets, reports and bank sync. Pricing: Standard costs $29.99 per year. Premium, which adds bank sync, costs $59.99 per year or $5.99 per month. - [Spendee](https://appsforbudgeting.com/apps/spendee): Visual budget and expense tracker with shared wallets. Pricing: Free Basic plan. Plus costs $1.99 per month or $14.99 per year. Premium, which adds bank sync, costs $5.99 per month or $35.99 per year. Paid plans start with a 7-day free trial. Sharing: Spendee’s plans are built around saving and tracking money together with friends and family. - [Buddy](https://appsforbudgeting.com/apps/buddy): Friendly, design-focused budgeting app with shared budgets. Pricing: Free to try, with a paid subscription in the app. The price isn’t listed on the website. Sharing: You can invite a partner or roommate to a budget and sync transactions between you. - [Honeydue](https://appsforbudgeting.com/apps/honeydue): Money app built for couples: shared view of accounts, bills and spending, with chat. Pricing: Free to download. Sharing: Each partner chooses what to share. - [Zeta](https://appsforbudgeting.com/apps/zeta) (discontinued): Former joint-account and budgeting app for couples. It shut down, and its team joined Acorns. Pricing: Not available. Zeta closed all accounts on May 9, 2025. - [Buxfer](https://appsforbudgeting.com/apps/buxfer): Budgeting with forecasting and planning tools, up to investments and net worth on higher tiers. Pricing: Free plan. Plus costs $9.99 per month or $95.88 per year. Pro costs $14.99 per month or $155.88 per year. Prime costs $23.99 per month or $251.88 per year. - [Toshl Finance](https://appsforbudgeting.com/apps/toshl): Playful expense tracker and budget app with strong multicurrency and file import. Pricing: Free plan (2 accounts, 2 budgets). Paid plans are Pro (manual entry) and Medici (adds bank sync). The prices aren’t shown on the page without signing in. - [Wallet by BudgetBakers](https://appsforbudgeting.com/apps/wallet-by-budgetbakers): Budget and spending app with bank sync in many countries and a separate tool for splitting shared costs. Pricing: Free trial of the full app, then a paid plan. The price isn’t listed on the website.