Actual Budget
Our pickFree, open source, your money data stays yours.
What is the best free budgeting app?
Actual Budget is the best free budgeting app. It is open source, uses the envelope method that YNAB made popular, and keeps your data on your own device or server instead of a company's. A plain spreadsheet budget in Google Sheets also works well. Mint shut down in 2024; its users were moved to Credit Karma.
Sites last checked 16 Oct 2026. How we test
Our pick
Also good
Free office apps that save and share themselves.
YNAB
GoodPopular envelope budgeting app. Paid after a trial.