The best Actual Budget alternatives in 2026

1

Monarch Money

Budgets, net worth and investments in one clean dashboard 9.1 +0.2 vs Actual Budget

• Worse value -1.5
• Better design +1.4
• More features +1.0
• Less private -1.0

Best for: Couples and families who want one shared view of all their money

2

YNAB

Zero-based budgeting that gives every dollar a job 8.9 +0.1 vs Actual Budget

• Worse value -1.5
• Better design +0.9
• Less private -0.8
• More features +0.6

Best for: People who want to break the paycheck-to-paycheck cycle with a hands-on method

3

Copilot Money

Polished budgeting and spending insights for Apple users 8.9 +0.1 vs Actual Budget

• Worse value -2.0
• Better design +1.6
• Less private -0.8
• More features +0.5

Best for: iPhone and Mac users who want a polished, low-effort spending tracker

4

Wise

Send, spend and hold money in many currencies 8.6 -0.2 vs Actual Budget

• Less private -2.4
• Better design +0.8
• Worse value -0.8

Best for: Travelers, expats and freelancers who send or receive money across borders

5

SmartFolio

Track stocks, ETFs, crypto and dividend income privately 8.5 -0.3 vs Actual Budget

• Fewer features -0.7
• Slower -0.5

Best for: Dividend and long-term investors who want a private, free portfolio view

6

VaultFlow

Budget, bills and net worth without a bank login 8.4 -0.4 vs Actual Budget

• Fewer features -0.8
• Slower -0.6

Best for: Budgeters who want a free, private app and don't mind importing statements

7

Revolut

Spending, saving and investing in one global money app 8.4 -0.4 vs Actual Budget

• Less private -2.8
• Worse value -1.3
• More features +0.6
• Better design +0.5

Best for: Frequent travelers who want one app for spending, saving and currency exchange

8

Tricount

Split group costs for free, with no ads or limits 8.4 -0.4 vs Actual Budget

• Less private -2.2
• Fewer features -0.6
• Better design +0.6

Best for: Friends, roommates and couples who share costs and want it simple

9

Robinhood

Commission-free investing in stocks, ETFs and crypto 8.4 -0.5 vs Actual Budget

• Less private -3.8
• Worse value -1.2
• Better design +1.1

Best for: Self-directed investors who want a fast, simple brokerage app

10

Empower Personal Dashboard

Free net worth and retirement tracking across accounts 8.2 -0.7 vs Actual Budget

• Less private -3.2
• Slower -0.8
• Worse value -0.6
• Better design +0.4

Best for: Investors who want a free, big-picture view of net worth and retirement

11

Rocket Money

Find subscriptions, cut bills and track spending 7.8 -1.0 vs Actual Budget

• Less private -3.4
• Worse value -2.6
• Slower -0.8
• Better design +0.4

Best for: People who suspect they are paying for subscriptions they no longer use