Sorted by starting price

8 Cheapest Budgeting Apps of 2026

By the Rankozo research desk · Updated November 4, 2026

Among the 9 tools in our best budgeting apps ranking, PocketGuard has the lowest verified paid starting price at $6.25 per month, billed yearly. Prices below are quoted from each vendor's US pricing page.

1. 01

   PocketGuard

   People who want a simple leftover-money budget and a lifetime purchase option.

   $6.25 per month billed $74.99 yearly; $12.99 monthly; $149.99 lifetime; 7-day free trial

   Full entry, No. 4 overall

   Starts at

   $6.25

   Score 8.3

2. 02

   EveryDollar

   People who want a free zero-based budget and are happy to enter transactions by hand.

   Free version; premium $79.99 per year ($6.67 per month) or $17.99 monthly; 14-day free trial

   Full entry, No. 5 overall

   Starts at

   $6.67

   Score 8.2

3. 03

   Goodbudget

   Couples who like the envelope method and want a free plan that syncs across two devices.

   Free plan; Premium $10 per month or $80 per year

   Full entry, No. 8 overall

   Starts at

   $6.67

   Score 7.9

4. 04

   Quicken Simplifi

   Households that want a full-featured budgeting app for the lowest annual price.

   $6.99 per month billed annually; introductory $3.99 per month for the first year on new memberships

   Full entry, No. 1 overall

   Starts at

   $6.99

   Score 8.7

5. 05

   Tiller

   Spreadsheet users who want automatic bank data in a sheet they control.

   $99 per year (about $8.25 per month) after a 30-day free trial

   Full entry, No. 9 overall

   Starts at

   $8.25

   Score 7.7

6. 06

   Monarch

   Couples and households that want shared budgets, net worth and planning tools in one app.

   $14.99 per month or $99.99 per year (about $8.33 per month); 7-day free trial

   Full entry, No. 3 overall

   Starts at

   $8.33

   Score 8.4

7. 07

   Copilot Money

   iPhone and Mac users who want a polished app with automated categorization.

   $109 per year ($9 per month), a limited-time price instead of $119; one plan with no tiers

   Full entry, No. 2 overall

   Starts at

   $9

   Score 8.5

8. 08

   YNAB

   People who want a strict budgeting method and are willing to learn it.

   $109 per year ($9.08 per month) or $14.99 monthly; 34-day free trial with no card

   Full entry, No. 6 overall

   Starts at

   $9.08

   Score 8.2

Scores and prices come from our Best Budgeting Apps ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com