Software
Ledger Live (Free personal use) Ledger Live is the companion app built for Ledger hardware wallets, but even on its own it works as a free portfolio manager. Instead of
Alzex Personal Finance Free Alzex Personal Finance Free is a lightweight version of the Alzex family finance manager. It was designed with households in mind, offering a way to track
Plain Text Accounting (hledger) hledger belongs to the Plain Text Accounting family of tools, and it feels quite different from the usual budgeting apps. There are no bright dashboards or
Actual Budget (Free version) Actual Budget feels very different from the typical money apps you find in app stores today. There’s no subscription to worry about, no ads, and no
Spendee (Free) Spendee is one of those budgeting apps that catches the eye right away. The interface is bright and simple, and that’s part of the reason people choose it.
Fentury (Free plan) Fentury positions itself as more than just a place to log expenses. It was built to connect accounts and bring together banking, cards, and digital services in
Wallet by BudgetBakers (Free) Wallet by BudgetBakers is a mobile-first finance app designed to give users a clear overview of their money without requiring complicated setup. It blends personal budgeting
Money Lover (Free) Money Lover has built a reputation as one of those apps that people download when they want quick control over everyday spending. It’s not designed as heavy
AndroMoney Free AndroMoney has been around long enough to gain a steady following, particularly among Android users who want something reliable for tracking everyday spending. It doesn’t try to replace
Monefy (Free) Monefy is a budgeting app that keeps things simple. It doesn’t try to behave like full accounting software or bury users under features. Instead, it focuses on one
GoodBudget (Free version) GoodBudget is built around a simple but time-tested idea: the envelope system. In the past, people would keep cash in separate envelopes for rent, food, or leisure,
Lunch Money Lunch Money is a newer face in the personal finance space, but it has already managed to stand out. Built as a fully online service, it appeals to
Personal Capital (Empower Personal Dashboard) Personal Capital, now branded as part of Empower, is positioned as more than just a budgeting app. It combines everyday money tracking with long-term financial
Mint (Intuit) Mint, a service created by Intuit, has been around long enough to become a household name in personal budgeting. It isn’t trying to act like full accounting software,
Wave Accounting Wave Accounting is a free, cloud-based finance tool that has built a name mostly among freelancers and very small businesses. It doesn’t feel like a typical “personal budget”
Zoho Books Free Zoho Books Free is the no-cost tier of Zoho’s accounting system. It isn’t built for big companies with dozens of employees — the free plan is more
AceMoney Lite AceMoney Lite is the free cut-down edition of the AceMoney finance manager. It doesn’t try to be a full accounting package — instead, it’s meant for everyday users
BudgetView (Community Edition) BudgetView (Community Edition) is a free personal finance program built around the idea of visual budgeting. Instead of focusing only on account balances, it helps users see
SilverFinc Free SilverFinc Free is a small desktop program made for simple household budgeting. It doesn’t try to compete with big accounting suites — the idea here is to give
Eqonomize! Eqonomize! is an open-source program built for people who want a clear, no-cost way to track their personal finances. Unlike commercial tools, it focuses on everyday budgeting and doesn’t
AceMoney Lite AceMoney Lite is the free cut-down edition of the AceMoney finance manager. It doesn’t try to be a full accounting package — instead, it’s meant for everyday users
MoneyLine Personal Finance Free MoneyLine Personal Finance Free is a desktop program aimed at everyday money management. It isn’t trying to be a full business tool — it’s more like
Cash And The City Cash And The City is a small personal finance program that feels more like a notebook with charts than a heavy accounting tool. It was built
Simple Home Budget Lite Simple Home Budget Lite is the free edition of a household finance manager focused on clarity. It doesn’t try to compete with full accounting packages —
Alzex Personal Finance Free Alzex Personal Finance Free is a lightweight version of the Alzex family finance manager. It was designed with households in mind, offering a way to track
AceMoney Lite AceMoney Lite is the free cut-down edition of the AceMoney finance manager. It doesn’t try to be a full accounting package — instead, it’s meant for everyday users
Firefly III Firefly III has a different feel from most budget tools. It isn’t a small desktop app that you just install and forget — it’s a self-hosted system, something
AceMoney Lite AceMoney Lite is the free cut-down edition of the AceMoney finance manager. It doesn’t try to be a full accounting package — instead, it’s meant for everyday users
