Picks · @emircitakFree budgeting and personal finance tools

Money tools with a free plan. What they charge for is quoted, not guessed.

by @emircitak

8 products. Hand-picked, as of Aug 16.

This week

No changes. Same list as last week.

  • 01

    Free plan on their own pricing page.

    An envelope-style budget tracker that imports bank statements and categorizes spending entirely in your browser, for a one-time payment with no subscription and no data upload.

  • 02

    You can start without paying. Paid tier: $3.99 /mo.

    Splits shared bills and automates payment reminders to contributors, instead of manually chasing people who owe money.

  • 03

    A free tier they state themselves, not one we assumed.

    iOS app that tracks bills, subscriptions, and renewal due dates without linking a bank account.

  • 04

    Free plan on their own pricing page; paid starts at $9/month.

    A personal finance tracker where you manually log transactions instead of linking a bank account, trading convenience for privacy — free to start, $9/month for Pro.

  • 05

    You can start without paying. Paid tier: 2.49 €.

    A voice-first personal budgeting app that gives you a 0-100 financial health score based on your spending and habits, aimed at people who don't want to manage a spreadsheet.

  • 06

    A free tier they state themselves, not one we assumed.

    A monthly finance tracker for transactions, net worth, and savings goals that keeps data on-device by default instead of requiring an account.

  • 07

    Free plan on their own pricing page.

    A free, independent comparator for Argentina's UVA mortgages that shows the true monthly cost across 14 banks using official BCRA data, instead of relying on each bank's advertised rate.

  • 08

    You can start without paying. Paid tier: $0.

    A personal expense-tracking app answering 'where did my money go.'