1. Your income
Overview
2. Expenses
Add your regular monthly costs and tag each as a need, want or saving.
3. Savings goals
Can I afford it?
Check a purchase against your budget above. Uses your income and expenses automatically.
Your budget score
Add income and expenses to get a score out of 100 based on the 50/30/20 balance, savings rate and money left over.
The card shows only your score — no amounts.
Best budgeting apps compared (2026)
Prefer an app with bank syncing? Here are popular options. Features and availability change — always check the provider's site.
| App | What it's good for | Availability | Bank sync | Price | Link |
|---|---|---|---|---|---|
| YNAB | Zero-based budgeting: give every pound/dollar a job. | US, UK, CA, AU, NZ | Bank sync (varies by country) | Check current price | Visit YNAB |
| EveryDollar | Zero-based budget app from Ramsey Solutions. | Mainly US | Bank sync on paid tier | Check current price | Visit EveryDollar |
| Emma | UK money app: subscriptions, spending insights. | UK | Open Banking | Check current price | Visit Emma |
| Snoop | UK app with spending insights and bill-saving tips. | UK | Open Banking | Check current price | Visit Snoop |
| Monarch Money | Budgeting and net-worth tracking for households. | Mainly US/CA | Bank sync | Check current price | Visit Monarch Money |
| PocketSmith | Calendar-based budgeting and cash-flow forecasting. | NZ-founded, global | Bank feeds in many countries | Check current price | Visit PocketSmith |
What is the 50/30/20 rule?
Split take-home pay: 50% needs (housing, bills, food), 30% wants, 20% savings and debt repayment. It's a starting point — adjust to your situation.
Zero-based budgeting
Assign every unit of income to a category until "left to budget" is zero — the approach behind YNAB and EveryDollar.
Budget templates
Student, couple, family, self-employed and freelancer templates — load one into the planner in one click.
Browse templates →More free money tools
United States
Free budget planner for the US
Plan your monthly budget in US dollars — private, free and no sign-up.
Budgeting in the US
Budget from your net (take-home) pay — what is left after federal and state income tax withholding, Social Security and Medicare (FICA), and any pre-tax deductions such as 401(k) contributions or health insurance premiums. Plan sinking funds for costs that do not arrive monthly: car registration, insurance premiums, holidays and back-to-school.
Many people use their tax refund or bonuses for an emergency fund or debt payoff; build those into your savings goals. Official tax information is on IRS.gov.
Open the planner in USDPopular US budgeting apps
YNAB, EveryDollar and Monarch Money are widely used in the US. Compare them before paying — and check current prices on each official site.
United Kingdom
Free budget planner for the UK
Plan your money in pounds sterling, with UK-specific tips.
Budgeting in the UK
Enter your monthly take-home pay after Income Tax, National Insurance, workplace pension and any student loan deductions. Remember UK-specific costs: council tax (often paid over 10 or 12 instalments), a TV Licence if you watch live TV or use BBC iPlayer, energy bills and annual costs like car insurance and MOT. Official tax tools are on GOV.UK.
UK money apps connect to accounts via Open Banking — see best budgeting app UK and Emma vs Snoop. For the government Budget (not personal budgeting) see UK Budget 2026.
Open the planner in GBPCanada
Free budget planner for Canada
Plan your monthly budget in Canadian dollars.
Budgeting in Canada
Start with take-home pay after income tax, Canada Pension Plan (or Quebec Pension Plan) contributions and Employment Insurance premiums. Consider savings goals for registered accounts such as a TFSA or RRSP — contribution limits are set by the Canada Revenue Agency, so check current figures on Canada.ca.
Open the planner in CADApps and guides
YNAB and Monarch Money support Canadian users; confirm your bank is supported before subscribing.
Australia
Free budget planner for Australia
Plan your monthly budget in Australian dollars.
Budgeting in Australia
Use take-home pay after PAYG withholding. Superannuation guarantee contributions are paid by your employer on top of wages, so they usually sit outside your budget unless you add voluntary contributions. Many Australians are paid fortnightly — convert to a monthly figure (fortnightly pay × 26 ÷ 12) before entering it. Official guidance: ato.gov.au and the government’s Moneysmart.
Open the planner in AUDApps and guides
PocketSmith and YNAB are common choices in Australia.
New Zealand
Free budget planner for New Zealand
Plan your monthly budget in New Zealand dollars.
Budgeting in New Zealand
Budget from take-home pay after PAYE tax, ACC earners’ levy, KiwiSaver contributions and any student loan repayments. If you are paid fortnightly, convert to monthly (× 26 ÷ 12). Official tax information is on ird.govt.nz, and free money guidance is available from the government-funded Sorted.
Open the planner in NZDApps and guides
PocketSmith was founded in New Zealand; YNAB is also used by many New Zealanders.
Budgeting guides
Free budget spreadsheet (Excel + CSV)
A ready-made monthly budget template with 50/30/20 formulas. Works in Excel, Google Sheets and Numbers.
Free, no email or sign-up needed.
Prefer CSV? Download the CSV version.
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