01
Monarch Money
Modern household finance management
A modern, customisable personal finance app designed for comprehensive household budgeting and account aggregation.
95.0
For comprehensive financial planning, Monarch Money is ideal for households seeking customisable dashboards and collaborative budgeting, while You Need A Budget (YNAB) excels for users wanting strict, zero-based habit building. Meanwhile, Empower is the top choice for investors desiring robust free portfolio tracking and retirement tools.
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1
Monarch MoneyMonarch allows multiple user logins on a single subscription so partners can manage finances together.95.0NEW$14.99/month
Monarch MoneyMonarch allows multiple user logins on a single subscription so partners can manage finances together.95.0NEW$14.99/month2
You Need A BudgetYNAB claims new users save an average of $600 in their first two months.92.7NEW$14.99/month
You Need A BudgetYNAB claims new users save an average of $600 in their first two months.92.7NEW$14.99/month3
EmpowerEmpower manages billions in assets while offering its core financial dashboard completely free.90.3NEWFree
EmpowerEmpower manages billions in assets while offering its core financial dashboard completely free.90.3NEWFree4
PocketGuardThe In My Pocket feature automatically computes available spending money after all fixed expenses are paid.88.0NEW$12.99/month
PocketGuardThe In My Pocket feature automatically computes available spending money after all fixed expenses are paid.88.0NEW$12.99/month5
CopilotCopilot uses advanced machine learning algorithms to continuously improve transaction categorization.85.7NEW$13.00/month
CopilotCopilot uses advanced machine learning algorithms to continuously improve transaction categorization.85.7NEW$13.00/month6
Quicken ClassicQuicken has been a staple in personal finance software for decades.83.3NEW$41.88/year
Quicken ClassicQuicken has been a staple in personal finance software for decades.83.3NEW$41.88/year7Simplifi by QuickenSimplifi provides personalised spending watchlists to alert users when they near limits.81.0NEW$2.99/month
Simplifi by QuickenSimplifi provides personalised spending watchlists to alert users when they near limits.81.0NEW$2.99/month8
EveryDollarEveryDollar uses the traditional envelope budgeting system adapted for digital use.78.7NEWFree
EveryDollarEveryDollar uses the traditional envelope budgeting system adapted for digital use.78.7NEWFree10Personal CapitalThe platform aggregates all financial assets into a single comprehensive dashboard view.74.0NEWFree
Personal CapitalThe platform aggregates all financial assets into a single comprehensive dashboard view.74.0NEWFreeLAST UPDATED 2026-07-20CURATED · UPDATED REGULARLY
The ranking, in detail
02
You Need A Budget
Gain total control of your money
A popular budgeting application built around a proactive four-rule methodology for zero-based budgeting.
92.7
03
Empower
Wealth management made simple
A wealth management and financial dashboard offering sophisticated investment analysis tools.
90.3
04
PocketGuard
Know where your money goes
A straightforward budgeting app that calculates how much disposable income you have after bills and savings.
88.0
05
Copilot
Your intelligent financial assistant
An intelligent, design-forward financial tracking app built exclusively for Apple ecosystem users.
85.7
06
Quicken Classic
Comprehensive desktop financial management
A long-standing desktop-first personal finance software offering deep categorisation and investment tracking.
83.3
07
Simplifi by Quicken
Modern financial clarity
A modern, cloud-based alternative to traditional Quicken designed for fast setup and daily tracking.
81.0
08
EveryDollar
Build a budget that works
A budgeting app based on Dave Ramsey's principles focusing on zero-based monthly budgeting.
78.7
09
Goodbudget
Your budget on the envelope system
A digital envelope system app that helps households share and manage budgets across multiple devices.
76.3
10
Personal Capital
Transform your financial life
Now operating primarily under Empower, this tool remains a gold standard for net worth tracking.
74.0
Frequently asked questions
Are financial planning apps safe to use?
Yes, reputable financial planning apps use bank-level encryption, such as 256-bit SSL, and read-only access to protect your data. They typically partner with secure financial data providers like Plaid to connect with banks.
Do I need a paid financial tool, or are free ones sufficient?
Free tools like Empower or EveryDollar work well for basic tracking and net worth monitoring. Paid tools like YNAB or Monarch Money are better suited for users who need advanced budgeting frameworks and automated customisation.
Can financial planning tools help me get out of debt?
Yes, many tools feature dedicated debt payoff planners that utilise methods like the debt avalanche or debt snowball to help you systematically clear balances.
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