Money / Personal Finance
Best Budgeting Tools Based On Your Personality
The best budgeting app for most people is Monarch, at $14.99 a month or $99.99 a year, with YNAB the best pick for strict zero-based budgeting and Copilot Money the best for tracking crypto alongside your spending. If you want a free option, Rocket Money and Empower both have free tiers, and Goodbudget has a free envelope plan.
Mint, once the default free budgeting app, is gone. Intuit shut it down in 2024 and sent users to Credit Karma, which says Mint has been "reimagined" there. Every price and feature below was checked on the companies' own sites on Nov. 1 and 2, 2026.
Quick Take
- Copilot Money has the widest crypto tracking among budgeting apps we checked: direct connections to Coinbase, Kraken, Gemini, Binance.US and Bitstamp, plus Bitcoin and Ethereum wallet addresses.
- YNAB doesn't connect to crypto at all. It tells users to track crypto in a manual account.
- No budgeting app needs your seed phrase. Wallet tracking uses your public address, and exchange connections should use read-only access.
Budgeting Apps Compared
Data as of Nov. 2, 2026.
| App | Score | Best For | Price | Free Trial | Crypto Tracking | Link |
|---|---|---|---|---|---|---|
 Monarch |
4.6 | Households and couples | $14.99/mo or $99.99/yr | 7 days | Coinbase connection, plus manual accounts | Visit site |
 Copilot Money |
4.4 | Crypto holders on Apple devices | $109/yr (limited-time price, regularly $119) | 1 month | Coinbase, Kraken, Gemini, Binance.US, Bitstamp, BTC and ETH addresses | Visit site |
 YNAB |
4.3 | Zero-based budgeting | $14.99/mo or $109/yr | 34 days | Manual tracking account only | Visit site |
 Lunch Money |
4.2 | Spreadsheet fans and multiple currencies | Annual plan, pay what you want from $60 | 30 days | Coinbase, Kraken and Ethereum wallets, 300+ coins manual | Visit site |
 Rocket Money |
3.9 | Cutting subscriptions and bills | Free, or Premium at about $7 to $14/mo | Not listed | Counts linked crypto wallets as investments | Visit site |
 Empower Personal Dashboard |
3.8 | Free net worth and investment view | Free | Not applicable | Not stated by Empower | Visit site |
 Simplifi by Quicken |
3.6 | Low-cost spending plan | $3.99/mo billed annually in year one, regularly $6.99/mo | None listed | Not mentioned by Quicken | Visit site |
 Goodbudget |
3.5 | Envelope budgeting for free | Free, or $10/mo or $80/yr | Not applicable | None | None |
The Best Budgeting Apps By Personality
Monarch
Best Overall For Households And Couples
Monarch is the best all-around budgeting app because it combines category budgets, shared access for partners, investment tracking and goals in one place, on web, iOS and Android. It costs $14.99 a month or $99.99 a year, with a seven-day free trial, according to Monarch's pricing page. There's no free tier.
Monarch now sells two plans, Core and Plus. Plus adds forecasting, multiple-income tracking and more investment tools. For crypto, Monarch connects directly to Coinbase, a feature it announced in 2021. If your exchange or wallet doesn't connect, you can track it as a manual account.
Copilot Money
Best For Tracking Crypto With Your Budget
Copilot Money is the best budgeting app for crypto holders because it connects to more crypto sources than any other app we checked. It links directly to Coinbase, Kraken, Gemini, Binance.US and Bitstamp, according to Copilot's crypto support page, and tracks Bitcoin and Ethereum wallet addresses, including xPub keys from Ledger and Trezor devices.
Copilot runs on iPhone, iPad, Mac and the web, with no Android app. It costs $109 a year, a limited-time price down from $119, according to Copilot's pricing page, and new users get a one-month free trial, according to Copilot's FAQ. Copilot also sells a monthly plan. Copilot's crypto page still lists FTX US, which shut down in 2022, so check that your exchange connects before you pay.
YNAB
Best For Giving Every Dollar A Job
YNAB, short for You Need A Budget, is the best app for zero-based budgeting, where every dollar of income gets assigned to a category before you spend it. It costs $14.99 a month or $109 a year, with a 34-day free trial and no card required, according to YNAB's pricing page. College students get a year free.
YNAB has no crypto connections. Its help center recommends adding crypto as an unlinked tracking account and updating the balance by hand, according to a YNAB support article updated Sept. 14, 2026. That works if crypto is a small, long-term holding you check monthly.
Lunch Money
Best For Spreadsheet Fans And Multiple Currencies
Lunch Money is a web-first budgeting app built for people who like control: rules, tags, multiple currencies and a clean export. Its annual plan is still pay-what-you-want, with the minimum raised from $50 to $60 on March 15, 2026, according to Lunch Money's blog. New users get a 30-day trial with no card, and companion apps for iOS and Android sit alongside the web app.
Lunch Money syncs balances, not transactions, from Coinbase, Kraken and Ethereum wallet addresses, and lets you track 300+ coins by hand, according to its crypto setup page. It used to support about 30 crypto connections through a service called Zabo, which went away, so the automatic list is shorter than it once was.
Rocket Money
Best For Cutting Subscriptions
Rocket Money is best for finding and canceling subscriptions you forgot about. The free version tracks spending and subscriptions. Premium is priced "pay what you think is fair," typically $7 to $14 a month, and a Premium+ tier at $15 a month adds an AI assistant and bill negotiation with no success fee, according to Rocket Money.
On the free and Premium tiers, Rocket Money's bill negotiation takes 35% to 60% of the first year's savings. Rocket Money's help center counts linked crypto wallets among investment accounts but doesn't list which exchanges or wallets connect.
Empower Personal Dashboard
Best Free Net Worth View
Empower Personal Dashboard, formerly Personal Capital, is free and strongest at investments: it pulls in brokerage and retirement accounts, shows your asset allocation and flags fund fees. Its budgeting is basic cash-flow tracking, not a full budget. Empower makes money from its paid advisory service and markets it to dashboard users. Its dashboard page lists retirement, investment, bank, loan and credit card accounts, but doesn't mention crypto.
Simplifi By Quicken
Best Low-Cost Spending Plan
Simplifi by Quicken shows how much you can still spend this month after bills and savings, on web, iOS and Android. Quicken lists it at $3.99 a month billed annually, down from $6.99, according to Quicken's Simplifi page. That's a first-year offer for new members ordering by Nov. 29, 2026, and the plan renews at Quicken's then-current rate. It makes Simplifi the cheapest paid app here for the first year. The Simplifi page doesn't mention crypto tracking.
Goodbudget
Best Free Envelope Budget
Goodbudget is a digital version of the cash-envelope method: you split income into envelopes and spend from them. The free plan includes 20 envelopes, one account and two devices. Premium, at $10 a month or $80 a year, adds US bank sync and unlimited envelopes, according to Goodbudget. It doesn't track crypto.
Other Apps Worth Knowing
- EveryDollar: Ramsey Solutions' zero-based app has a free manual version. Premium with bank sync costs $79.99 a year or $17.99 a month, according to Ramsey Solutions.
- Tiller: pipes your bank transactions into Google Sheets or Excel for $99 a year. Crypto goes in by hand.
- QuickBooks Solopreneur: if you're budgeting for a side business, QuickBooks has a free tier and paid plans for tracking business income and expenses separately.
How To Track Crypto In A Budgeting App
Budgeting apps track crypto three ways, and the method matters more than the brand:
- Exchange connections: the app reads your balance from an exchange like Coinbase or Kraken. If the app asks for an API key, create one with read-only permission and no withdrawal or trading rights.
- Wallet address tracking: you paste a public wallet address and the app reads its balance from the blockchain. This is safe, because a public address can't move funds. Never type a seed phrase or private key into any app or website.
- Manual entry: you type in how many coins you hold, and the app may update the value at market prices. It's the most private option and works for any coin.
Of the apps we checked, only Copilot connects directly to more than two exchanges. If you hold crypto across several exchanges and wallets, a dedicated net worth tracker does more. Kubera, for example, tracks wallet addresses on 17 chains and connects to exchanges by API, according to Kubera's help center. It starts at $250 a year and doesn't do budgeting. See our best portfolio trackers for crypto and stocks for the full comparison.
For taxes, budgeting apps don't calculate cost basis on crypto sales. That's a job for crypto tax software.
What To Watch Out For
- Apps close or change. Mint users had to move everything when Intuit shut it down. Export your data once a year so you aren't stuck if your app closes or raises prices. Copilot's $109 annual price is a limited-time offer, and its regular price is $119.
- Connections break. Crypto links depend on exchange APIs and data partners. Lunch Money lost most of its crypto connections when Zabo went away.
- Bank-sync access. Connecting accounts gives the app, and its data aggregator, read access to your transactions. Read the privacy policy and remove connections you no longer use.
- Free tiers have a catch. Rocket Money's free bill negotiation takes a share of your savings, and Empower uses its free dashboard to market advisory services.
How We Picked
We started with every app from our 2024 version of this page, removed Mint, and added current US apps with bank sync and a clear published price. Each app gets a Cult of Money score out of 5:
- Budgeting depth (30%): budget methods supported, rules, goals and how well the app handles shared finances.
- Price for what you get (20%): monthly and annual cost, trial length and whether a usable free tier exists.
- Crypto tracking (20%): direct exchange connections, wallet address tracking and manual coin entry, from each company's help center.
- Platforms (15%): web, iOS, Android and desktop availability.
- Setup effort (15%): how quickly a new user can connect accounts and see a working budget.
Prices and features come from each company's own pages on Nov 1, 2026. Where a company's page didn't say, the table says so instead of guessing.
FAQ
What Is The Best Budgeting App To Replace Mint?
Monarch is the closest all-around replacement for Mint, with category budgets, investment tracking and shared access for partners, but it costs $99.99 a year. If you want something free like Mint was, Rocket Money's free tier and Empower Personal Dashboard are the closest options.
Is Mint Still Available?
No. Intuit shut down Mint in 2024 and moved its users to Credit Karma, which now offers spending and net worth tracking.
Which Budgeting App Tracks Crypto?
Copilot Money tracks the most crypto sources, with direct links to Coinbase, Kraken, Gemini, Binance.US and Bitstamp plus Bitcoin and Ethereum addresses. Lunch Money and Monarch connect to Coinbase, and YNAB requires manual entry.
Is It Safe To Connect My Crypto Exchange To A Budgeting App?
It's reasonably safe if you use read-only access, so the app can see balances but can't trade or withdraw. Never give any app your seed phrase or private key.
What Is The Best Free Budgeting App?
Goodbudget has the best free plan for actual budgeting, with 20 envelopes. Rocket Money's free tier is better for tracking subscriptions, and Empower is better for tracking investments and net worth.
Do I Need A Separate App For Crypto Taxes?
Yes. Budgeting apps track balances but don't calculate gains, losses or cost basis on crypto sales. Use crypto tax software for that and read our overview of crypto tax rates.
About the author
Eric Rosenberg, Contributor
Eric Rosenberg is a financial writer, speaker and consultant who follows crypto, NFTs and other new technology in personal finance. He holds a B.S. in finance and an M.B.A.
Sources (21)
- Monarch pricing: https://www.monarch.com/pricing
- Monarch blog, Coinbase connection (Nov 4, 2021): https://www.monarch.com/blog/coinbase-organizing-accounts-rules
- Copilot Money pricing: https://www.copilot.money/pricing
- Copilot Money FAQ: https://www.copilot.money/faq
- Copilot Money, crypto support (updated Aug 20, 2026): https://help.copilot.money/en/articles/6162313-crypto-support-with-copilot
- Copilot Money, adding cryptocurrency addresses (July 28, 2026): https://help.copilot.money/en/articles/5961560-adding-cryptocurrency-addresses
- YNAB pricing: https://www.ynab.com/pricing
- YNAB support, investment and loan accounts (Sept 14, 2026): https://support.ynab.com/en_us/im-having-trouble-with-my-investment-or-loan-account-SJAyeIpwll.md
- Lunch Money, annual plan minimum update (Jan 12, 2026): https://lunchmoney.app/blog/an-update-to-our-annual-plan-minimum-effective-march-15-2026
- Lunch Money, crypto setup: https://support.lunchmoney.app/setup/crypto
- Lunch Money, mobile app: https://support.lunchmoney.app/miscellaneous/mobile-app.md
- Rocket Money, pricing explainer (Jan 19, 2026): https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
- Rocket Money, assets help article (Sept 22, 2026): https://help.rocketmoney.com/en/articles/9184603-what-is-included-in-my-assets
- Empower, Personal Dashboard financial tools: https://www.empower.com/personal-investors/financial-tools
- Quicken Simplifi: https://www.quicken.com/products/simplifi/
- Goodbudget plans: https://goodbudget.com/signup
- Ramsey Solutions, EveryDollar: https://www.ramseysolutions.com/money/everydollar
- Tiller pricing: https://tiller.com/pricing/
- QuickBooks Solopreneur: https://quickbooks.intuit.com/solopreneur/
- Kubera, crypto wallet tracking (June 5, 2025): https://help.kubera.com/article/68-track-latest-value-of-your-crypto-wallet
- Intuit Mint notice: https://mint.intuit.com/