Best Chip Alternatives in 2026
Updated
20 apps from personal finance software ranked against Chip on the same published basis.
- 1Chip vs PocketSmith
- 2Chip vs SoFi
- 3Chip vs MoneyPatrol
- 4Chip vs GnuCash
- 5Chip vs EveryDollar
- 6Chip vs Rocket Money
- 7Chip vs Zaim
- 8Chip vs ClearCheckbook
- 9Chip vs Money Manager Ex
- 10Chip vs Actual Budget
- 11Chip vs Emma
- 12Chip vs TimelyBills
- 13Chip vs Talvo
- 14Chip vs Fireball
- 15Chip vs YNAB
- 16Chip vs WeMoney
- 17Chip vs dLedger
- 18Chip vs Quicken
- 19Chip vs PocketGuard
- 20Chip vs MoneyPatrol AI
Chip alternatives compared
| # | App | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | PocketSmith | 9.7 | Free plan | $9.99/mo | Android, API, iOS, Linux, Mac, Web, Windows |
| 2 | SoFi | 9.6 | Free plan | — | Android, iOS, Mac, Web, Windows |
| 3 | MoneyPatrol | 9.1 | Free plan | $1.67/mo | Linux, Mac, Windows |
| 4 | GnuCash | 9.0 | Free plan | Free | Linux, Mac, Windows |
| 5 | EveryDollar | 9.0 | Free plan | $17.99/mo | Web, iOS, Android |
| 6 | Rocket Money | 8.9 | Free plan | Free | Web, iOS, Android |
| 7 | Zaim | 8.9 | Free plan | Free | Web, iOS, Android |
| 8 | ClearCheckbook | 8.9 | Free plan | $2.49/mo | Web, iOS, Android |
| 9 | Money Manager Ex | 8.9 | Free plan | Free | Windows, Mac, Linux, iOS, Android |
| 10 | Actual Budget | 8.8 | Free plan | Free | Web, Windows, Mac, Linux |
| 11 | Emma | 8.7 | Free plan | £4.99/mo | Web, iOS, Android |
| 12 | TimelyBills | 8.7 | Free plan | $2.08/mo | iOS, Android |
| 13 | Talvo | 8.6 | Free plan | €6/mo | Web, iOS, Android |
| 14 | Fireball | 8.6 | Free plan | NZD 10.99/mo | Web, iOS, Android |
| 15 | YNAB | 8.5 | No | $9.08/mo | Android, API, iOS, Web |
| 16 | WeMoney | 8.5 | Free plan | $9.99/mo | Web, iOS, Android |
| 17 | dLedger | 8.5 | Free plan | Free | Web, Windows, Mac, Linux |
| 18 | Quicken | 8.4 | No | $3.99/mo | Mac, Web, Windows |
| 19 | PocketGuard | 8.4 | No | $6.25/mo | Web, iOS, Android |
| 20 | MoneyPatrol AI | 8.4 | No | $5.75/mo | Web, Windows, Mac, Linux, iOS, Android |
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Questions about Chip alternatives
What is the best alternative to Chip?
PocketSmith, number 1 in personal finance software with a score of 9.7 out of 10. The others here: SoFi, MoneyPatrol, GnuCash and 16 more.
What is the best free alternative to Chip?
PocketSmith is the best-ranked alternative with a free plan. 16 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked on what each maker publishes: documentation depth, a free tier and the platforms it runs on.