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Budgeting app reviews

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Last updated: 27 July 2023


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Good budgeting software can help you keep track of your income and expenses with ease. 

Our experts put popular budgeting apps for Android and iPhone to the test to find out which ones:

  • are easiest to set up
  • are the most useful when you want to maintain a long-term budget
  • have the best manual data entry
  • can synchronise data between your bank account and the software/app.
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Our budgeting app buying guide can introduce you to the basic features and concepts behind these apps, plus other expert insights. 

Our interactive comparison tool helps you find out which apps have all the specs you need, such as the right budgeting model, synchronisation security, the ability to generate financial reports, and create savings goals. Our Recommended list will show you at a glance which programs come out on top.

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List of brands we tested in this review.


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    The price as of July 2023 for a year’s subscription.

    enter value/s in increments of 1 between 0 and 186.95

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    Versatility score

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    This score is made up of manual entry of data (10%), implementation of categories (20%), identification of expenditure (20%), clarity of data shown (20%), ability to sync data (10%), and ability to set budgets (20%).

    enter value/s in increments of i between 44 and 77

    Ease of use score

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    This score is made up of ease of categorisation (25%), ease of identifying expenditure (25%), clarity of data shown (25%), and ease of syncing data between devices (25%).

    enter value/s in increments of i between 60 and 83

    Sync to banks

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    Whether you can sync your bank account with the program so that it automatically pulls in data, including income, expenses, and regular bills. This is the easiest approach to accurate budgeting, as the software handles most of the data entry for you. The caveat is that you have to entrust a third-party app with your bank account details. 


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      Android app available.


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        iOS app available (iPhone and iPad).

          Web browser

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          Whether a web-based version of the program is available using a username and password (accessible via web browsers like Firefox or Chrome).

            Included in this review

            Members-only access
            • Recommended
            • CHOICE Expert Rating
            • Versatility score
            • Ease of use score
            • Good points
            • Bad points
            • General comments
            • Price
            • Subscription required
            • Free version available
            • Free trial period
            • Web browser
            • Windows
            • Security PIN
            • Data import supported file types
            • Exports to CSV
            • Exports to PDF
            • Official banking app
            • Sync to banks
            • Account aggregation service
            • Can set recurring transactions
            • View scheduled transactions
            • Categorise transactions
            • Generates reports
            • Displays trends
            • Displays forecast
            • Spending graphs
            • Set savings goals
            • Attach images to transactions
            • Flag transactions for tax

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