Top 10 Budget Software Apps

Budget on Your Computer or Online

Budgeting software helps you create and stick to a spending plan and usually has other personal finance features for managing your money. This list highlights the ten best budgeting software choices for Mac, Windows or online.

You Need A Budget 4 (YNAB)

The budgeting feature screen in YNAB 4.
You Need A Budget 4. You Need A Budget.

You Need A Budget 4 packs in many features and improvements over earlier versions and actually teaches sound budgeting practices as you use it. YNAB 4 runs on Windows and Mac computers, backs up data automatically and budgets can be shared among multiple users. Use this budgeting software and you could find yourself living debt free. Android and iPhone apps sync data to the desktop. More

MoneyWell Budget Software for Mac OS

Manage money and your budget on your Mac with MoneyWell.
MoneyWell 2.x for Mac. No Thirst Software
MoneyWell envelope budgeting software for Mac OS uses buckets instead of envelopes to show how much money you have left in each budgeted spending category. If you overspend in a category, its bucket tips over.

MoneyWell uses a one-window interface for setting up spending buckets, recording transactions and viewing reports. MoneyWell is shareware, so try it at no charge then buy it if it works for you. MoneyWell imports QIF data data from Quicken and Microsoft Money. More


Set up your budget in BudgetPulse free online financial software.
BudgetPulse Budget Tool.

BudgetPulse is very easy to navigate and use. While it doesn't have a lot of fancy features, BudgetPulse has solid budget tools and helps with managing financial accounts, spending, and tracking savings goals. You can make savings goals public to allow others to contribute funds to the goals. More


PocketSmith online budgeting app dashboard.
PocketSmith Dashboard. PocketSmith LTD

PocketSmith online personal finance app uses a calendar to forecast your budget well into the future. PocketSmith also tracks accounts, savings goals and includes financial reports. Import transactions yourself or set up automatic downloads. More


CalendarBudget is an online money management tool that tracks daily spending.
CalendarBudgetScreen Shot by Shelley Elmblad. CalendarBudgetScreen Shot by Shelley Elmblad
CalendarBudget free online budgeting software that uses a calendar to show you how your budget will be affected by income and expenses into the future. CalendarBudget has a clean look and a good set of features for future financial planning, but it does not automatically download transactions. More


Mvelopes is online personal finance software that manages money using envelope budgeting.
Mvelopes Personal Online Personal Finance Software. Mvelopes Toolbar
Mvelopes is a fully-featured online personal finance app with strong envelope budgeting features. Mvelopes is subscription-based and includes mobile apps for Android and iPhone. There's a free trial, just be sure to cancel the subscription on time if you decide not to use this software to avoid having your credit card charged. More

NeoBudget Online Budget Software

NeoBudget online budgeting app.
Tebros Systems, LLC

If you just want to keep a budget and you're not interested in a lot of other financial features, NeoBudget is low cost, easy-to-use online envelope budgeting software that must be seen. More

PearBudget Online Budget Software

PearBudget budget category set up
PearBudget Budget Category Set Up.

PearBudget online budgeting software tracks a monthly personal budget, applying envelope budgeting by using irregular expense categories for annual quarterly or other non-monthly expenses. PearBudget rolls unused amounts for irregular expenses forward to the next month to facilitate envelope budgeting and runs in four different Internet browsers, so it can be used on all operating systems. More

Budget by Snowmint Creative Solutions LLC

Budget by Snowmint Creative Solutions LLC is software that uses envelope budgeting principles.
Budget is Envelope Budgeting Software for Mac and Windows. BudgetSnowmint Creative Solutions LLC

Budget by Snowmint Creative Solutions LLC uses virtual envelopes to show you how much is available to spend in each budget spending category. Budget includes calendar for budget reminders and investment account tracking.

Budget has two desktop versions, one for Windows and one for Mac, and an iOS app that syncs with the desktop software. More


Inzolo is easy to use online envelope budgeting software.
Inzolo Envelope Budgeting Software.

Inzolo was created after the developer, Dustin Davis, found that spreadsheets were too time consuming for money management and that the personal finance software he tried was too light on budgeting features.

Dividing paychecks among envelopes, or anticipated spending categories, is done very quickly, and Inzolo supports OFX Connect to make importing transactions easier. You can try Inzolo for free, and plans are priced at $7/month with discounts for paying by quarterly ($17), annually ($57) or for a lifetime ($177). Inzolo has a mobile web app that runs on smartphone browsers. More

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