Free Personal Finance and Budgeting Software

Free Personal Finance and Budgeting Software

With today’s recent recessions, it has never been more important to be more careful about your finances. Fortunately, there is a lot of personal finance software available across different platforms to help you budget your money effectively.

Some financial tracking apps and programs have premium versions that require either a monthly subscription fee or a one-time payment. Most, however, offer free versions that have all the features you will most likely need. If you are trying to save money, free budgeting software helps you avoid an unnecessary cost.

If you need an online budgeting software that is free and has all the functions you need, continue reading to learn about a few of the best spending tracker apps available on different devices. 


An emerging app, Bluecoins is incredibly powerful, as it has a lot of functions you can use to help you reach your financial goals. Featured in different articles, Bluecoins is definitely one of the good budgeting apps recommended by experts and worth checking out.

There is also a paid version of Bluecoins that allows you to have extra features, such as more themes and unlimited categories for your finances.


  • Lets you record expenses and income to help you get a snapshot of your finances
  • Offers financial reports such as balance projection, which helps you to determine if you will have enough money in the future
  • Allows debit card and credit card management
  • Lets you input several categories in a single transaction for expenses or income fitting more than one category
  • Set up recurring payments and income that can send an alarm to your devices
  • Has Travel mode to keep track of your normal finances without vacation expenses affecting them
  • Comes with multiple currency support

Money Manager

One of the simplest and best personal finance software apps, Money Manager has been a favorite in a lot of financial forums and other online financial groups.

The paid version allows you to sync your finances on your desktop, but the free version has everything you will need.

If you choose to get the paid version, you can have unlimited asset categories as opposed to the limited 10 assets on the free version. But if you are not handling a big business or do not have too many bank accounts, 10 should be more than sufficient for you.


  • Records money coming in and out of accounts, including transfers between accounts
  • Allows you to set a budget for different categories and notifies you if you are over budget
  • Allows credit and debit card management
  • Has a passcode to help you protect your finances
  • Offers recurring expenses and income functions for your bills and paychecks
  • See helpful statistics, including a pie graph to show your expenses and income distribution
  • Comes with multiple currency support

Google Sheets

Google Sheets is a free web-based spreadsheet program used for different purposes, but you can also use it as your personal finance software. The best thing about Google Sheets is that you can customize it to your own needs. You can also sync it across your devices so that you can quickly check your budget and record everything, no matter where you are, as long as you have access to your Google account.

One of the disadvantages is that you have to understand how functions (predefined formulas for calculations) work in Google Sheets, and you have to build everything from scratch. However, you can instead find free budget templates available online and import them into Google Sheets. With the right format and functions, this can be your best online budgeter.

Money Lover

With multiple awards from different organizations, many consider Money Lover to be the best budgeting software out there. Users can also use the Linked Wallet feature to connect the account to your banks accounts. This feature is extremely useful for people who often forget to input their transactions manually.


  • Track daily income and expenses in categories
  • Get financial reports that give you an overview of your spending
  • Allows you to set a budget and get alerts when you are close to the limit
  • Includes a forecast feature that helps you budget your money better
  • Goal Wallet feature enables you to plan and achieve your financial goals
  • Set up recurring transaction notifications for bills and income
  • Link your bank account to your app to avoid forgotten transactions


Wallet lets you connect your bank to the app, enabling your transactions to be categorized immediately. You can also sync individual accounts with your family members, making it extremely useful for people who are members of the same household or have joint accounts.


  • Includes automatic bank updates that smartly categorize your spending
  • Offers a budget tracker that allows you to set your financial goals
  • Get financial reports that help you check where your money is coming from and going to
  • Share specific accounts among family members
  • Comes with multiple currency support
  • Offers PIN security to protect your finances
  • Shopping lists feature to help you to budget your shopping costs wisely


Considered by many to be the most aesthetically-pleasing free budget software, Monefy is one of the best spending tracker apps available today. 


  • Records your daily transactions such as income and expenses
  • Lets you manage and customize the default categories for your transactions
  • Allows for multi-currency support
  • Connects to multiple bank accounts for easy balance checking
  • Offers widgets to help you access your features from your phone’s lock screen


1Money is one of the best spending tracker apps and even earned an Editor’s Pick on Google Play Store. It is a straightforward and user-friendly free budget software program that a lot of people love.


  • Records daily expenses and income into categories
  • Provides insightful reports that let you see where your money is going
  • Use different accounts and debt categories to help you check your balances
  • Includes a specific feature for saving goals to help you plan purchases you want in the future
  • Lets you set a budget for different categories and warns you if you are overspending
  • Allows you to choose your themes to personalize your app

By Admin