What is your favorite budgeting software?

I am trying to learn to budget. Part 1, in which I learn about new tools

(Updated April 2020)

Was browsing thru the Twitters when I saw a question from Josh Pigford, who always has interesting stuff. He asked:

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This tweet is now deleted, but it was a great question

I also saw a similar question from Austin Craig:

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Another great question

There were some interesting responses, that I hadn’t seen before. I decided to do some basic research on price and features, and capture the cool ones and write them up here.

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There were quite a few people who recommended You Need A Budget.

Price: $6.99 per month.


I have never heard of 22Seven. It looks like a mobile first app. Made by Old Mutual which is a banking and life insurance company out of South Africa.

Price: Free. They want you to use them for investing which has fees.

Half Dollar Co (Dead)

Never heard of this company. Looks like clean simple budgeting.

Price: Free version. Pro is $10 per month

Personal Capital

I actually use Personal Capital, didn’t know about their budgeting side. I just use it for a bird’s eye view of where and how much I have in various

Price: Free, they want you to invest with them.


Never heard of Toshl (which fails the party name test) Mobile first.

Price: Free version. Pro is $2.99 per month, Ultra Pro is $4.99 per month.

Google Sheets

A few recommended just doing it yourself in Google Sheets

Price: Free (Google gets your data and monetizes it that way)


Tiller looks really cool. Pulls your banking info into Google Sheets.

Price: $5 per month

Looks like it could be the best of both worlds if you want the flexibility of Google Sheets but automation.

Some people really like this.


I used to use Mint. It was amazing back in the day. But it seems to have completely stagnated. I had troubles keeping my business and personal accounts straight and the alerts come like days after things happen. But some people still love it.

Price: Free they give you Credit card and other financial offers.

Tiny Money (dead)

Super simple overview of your money.

Price: Free

Every Dollar

Dave Ramsey’s app.

Price: $99 a year

I am going to be testing out and writing about some of these tools in the next few weeks. What are some of your favorite tools? What else should I try?

Lunch Money

Price: $8 dollars a month.

Fiskal App


Part of my ‘learning to budget’ series. Click follow to follow along.

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Code, design, cook. Make stuff. Cookies. @BYU grad.

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