Independent · sourced · Updated June 2026
Best Budgeting Apps (2026)
The cheapest budgeting apps is EveryDollar at $0/mo. 3 offer a free tier (EveryDollar, Goodbudget, Rocket Money). This page compares 8 options on entry price, free tier, HIPAA/SOC 2 and best-for — every figure linked to its source, updated June 2026.
8 options compared on price, free tier, compliance and fit — ranked cheapest-first. Every figure links to the vendor's own page and the date we captured it; quote-only tiers show “—”, never a guess.
Key takeaways
- Cheapest: EveryDollar at $0/mo (Free).
- Typical paid price: from $5.99/mo, median $6.83/mo, up to $9.08/mo — across 8 with published pricing.
- Free tier: EveryDollar, Goodbudget, Rocket Money.
- Tracked: 8 vendors, data current through 2026-06-15.
Comparison
| # | Budgeting App | Entry price | Free | HIPAA | SOC 2 | Best for | Source |
|---|---|---|---|---|---|---|---|
| 1 | EveryDollar | $0/mo Free | Yes | — | — | Dave Ramsey followers and Baby Steps adherents | ramseysolutions.com |
| 2 | Goodbudget | $0/mo Free | Yes | — | — | Couples or families sharing a budget using the envelope method | goodbudget.com |
| 3 | Rocket Money | $0/mo Free | Yes | — | — | People with subscription bloat who want automated detection and cancellation | rocketmoney.com |
| 4 | Quicken Simplifi | $5.99/mo Simplifi (Annual) | No | — | — | Users who want a low-cost all-in-one budgeting and investment tracker | quicken.com |
| 5 | PocketGuard | $6.25/mo Plus (Annual) | No | — | — | Overspenders who need real-time "how much can I spend now" guidance | pocketguard.com |
| 6 | Copilot Money | $7.92/mo Copilot (Annual) | No | — | — | Apple ecosystem users (iPhone, iPad, Mac) | copilot.money |
| 7 | Monarch Money | $8.33/mo Core (Annual) | No | — | Yes | Households wanting a comprehensive all-in-one financial dashboard | nerdwallet.com |
| 8 | YNAB | $9.08/mo Annual | No | — | — | People who want to actively manage a zero-based budget | ynab.com |
Prices are the lowest published self-serve monthly rate as captured on the linked source. Annual-billing and usage details are on each vendor's record in our open dataset.
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Frequently asked questions
What is the cheapest budgeting apps?
EveryDollar has the lowest published entry price at $0/mo (Free), as of 2026-06-15.
How much does budgeting apps cost per month?
Across the 8 budgeting apps with published paid pricing, the median starting price is $6.83/mo, ranging from $5.99/mo to $9.08/mo, as of 2026-06-15. 3 also offer a free tier.
Which budgeting apps have a free plan?
EveryDollar, Goodbudget, Rocket Money offer a free tier.
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How we compiled this
Pricing fetched directly from each vendor's official pricing page where the page returned readable content. Monarch Money's pricing page (monarch.com/pricing) renders via JavaScript and returned only partial content; Core plan pricing ($99.99/yr, $14.99/mo) was confirmed via NerdWallet best-budget-apps article (2026) and an independent review (wellkeptwallet.com, April 2026). The Plus plan ($199/yr, annual only) was confirmed via the official Monarch announcement page (monarch.com/blog/monarch-plus) and added. Rocket Money does not publish a single fixed price for its Premium tier; the official pricing explainer states a 'pay-what-you-want' range of $7–$14/mo with a $7/mo minimum, which is recorded as monthlyUsd (a prior $3/mo figure could not be confirmed and was corrected). Quicken Simplifi's official pricing comparison page (quicken.com/products/pricing-comparison) shows a promotional first-year rate of $2.99/mo and a regular annual rate of $5.99/mo billed annually; the regular rate is recorded as monthlyUsd and the promo noted. PocketGuard and YNAB pricing sourced directly from official pricing pages. Copilot Money pricing sourced from official site. Goodbudget pricing sourced from signup page. EveryDollar pricing sourced from ramseysolutions.com (official redirect). accessedAt = 2026-06-14 on all sources. HIPAA/BAA: none of these consumer personal-finance apps publish HIPAA compliance or BAA offerings; all set null.
Last verified 2026-06-15. We re-check published prices and compliance on a recurring cadence and update this page when they change.
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