Best Personal Finance Software in 2026
Updated
In short: PocketSmith is ranked #1 of 181 as of 3 October 2026, ahead of SoFi and MoneyPatrol. The best-ranked option with a free plan is SoFi. The lowest first paid tier on this page is PocketSmith at $0.83/mo.
Keeping tabs on budgets, bills, and a broader financial picture starts with knowing which tools matter most to you. This ranking compares account sync, budgeting tools, bill tracking, and net-worth tracking, along with mobile apps and report export. Free-plan availability and starting paid prices provide additional points for weighing the options. PocketSmith, SoFi, and Money Manager Ex appear first, followed by MoneyPatrol and Actual Budget. If you mainly want help with regular budgeting, or need to track accounts and net worth together, use those priorities to consider how each product’s listed features fit your needs.
181 personal finance software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
#1 PocketSmith Top pick · 9.7 Free plan · $0.83/mo
#2 SoFi Runner-up · 9.6 
#3 MoneyPatrol Also great · 9.1 Free plan · $1.67/mo- Free plan AndroidapiiOSLinuxmacOSWebWindows
- Free plan
- Yes
- Paid from
- $9.99/mo
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms$0.83/mofirst paid tier About PocketSmithVisit site - Free plan AndroidiOSmacOSWebWindows
- Free plan
- Yes
- Paid from
- $10/mo
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms - Free planFree trial LinuxmacOSWindows
- Free plan
- Yes
- Paid from
- $3.99/mo
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms$1.67/mofirst paid tier About MoneyPatrolVisit site - Free planFree trial WebiOSAndroid
- Free plan
- Yes
- Paid from
- $6.67/mo
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms$17.99/mofirst paid tier About EveryDollarVisit site - Free plan WebiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms - Free plan WebiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatformsFree About ZaimVisit site - Free plan WebiOSAndroid
- Free plan
- Yes
- Paid from
- $2.49/mo
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms$2.49/mofirst paid tier About ClearCheckbookVisit site - Free plan WindowsmacOSLinuxiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms - Free plan WebWindowsmacOSLinux
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms - Free plan WebiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms£4.99/mofirst paid tier About EmmaVisit site - Free plan iOSAndroid
- Free plan
- Yes
- Paid from
- $0.99/mo
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms$2.08/mofirst paid tier About TimelyBillsVisit site - Free plan WebiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms€6/mofirst paid tier About TalvoVisit site - Free plan WebiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatformsNZD 10.99/mofirst paid tier About FireballVisit site - Free trial AndroidapiiOSWeb
- Free plan
- No
- Paid from
- $9.08/mo
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms$9.08/mofirst paid tier About YNABVisit site - Free plan WebiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms$9.99/mofirst paid tier About WeMoneyVisit site - Free plan WebWindowsmacOSLinux
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- No
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms - macOSWebWindows
- Free plan
- No
- Paid from
- $6.99/mo
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms$3.99/mofirst paid tier About QuickenVisit site - WebiOSAndroid
- Free plan
- Yes
- Paid from
- $6.25/mo
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms$6.25/mofirst paid tier About PocketGuardVisit site - WebWindowsmacOSLinuxiOSAndroid
- Free plan
- No
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms$5.75/mofirst paid tier About MoneyPatrol AIVisit site - Free plan WebiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms - WebmacOSiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms - Free plan iOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms₹30/mofirst paid tier About KleraVisit site - Free plan WebiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms - LinuxWindowsmacOS
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms - WebiOSAndroid
- Free plan
- Yes
- Budgeting tools
- Yes
- Bill tracking
- Yes
- Net-worth tracking
- Yes
- Account sync
- both
RecognisedDocumentedFree planPlatforms
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which personal finance software is ranked first on Everything Xiaomi?
PocketSmith is ranked #1 of 181 with a score of 9.7. SoFi is second and MoneyPatrol third.
How many of these have a free plan?
18 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, PocketSmith has the lowest first paid tier we found: $0.83/mo.
How is this list ranked?
Ranked on what each maker publishes: documentation depth, a free tier and the platforms it runs on. Paid placements never change a rank.