1. Best budgeting apps not country specific

This article lists the best budgeting apps without a link to a specific country. It is the result of a few days of research coupled with years of experience using many apps.

Not country specific apps most generally rely on manual inputs for income and expenses. But there are also banking apps available in many countries that include budgeting like Revolut and N26. If you move among the countries where those online banks operate, you can profit from those apps and use their integrated budgeting features. Besides, it is also possible to always spend with a card linked to the account. Then the expenses and budget aggregation is fully automated.

The Gist (“Too Long Didn’t Read” version of the article)

Most good budgeting apps have similar features: transaction creation (expense and income), charts to track spending vs budgeting and budgeting definition. Then, consider 5 key factors to choose from for a pleasant experience that make you keep using it:

  1. The ease of using visuals.
  2. The beauty of the visuals and charts.
  3. The compatibility: exports (to CSV, Excel), iOS/Android/Desktop.
  4. The highlighted not common features: multi currency, synchronization.
  5. The freedom: Many apps are free without feature restrictions.

Table of Contents

The Gist (“Too Long Didn’t Read” version of the article)

1 Money Manager Expense & Budget

2 Daily Budget Original

3 Wally

4 Wallet by Budget Bakers

5 1 Money

6 Easy Home Finance

7 Say Money

8 Financisto

9 Free Expense Tracker & Budget Planner – Bookipi

What is the next step?

Here below the 9 apps considered:

  1. Money Manager Expense & Budget
  • Good for:
    • Budget view as a quick expenses vs income view.
  • Cost:
    • $4.99 for no ads and unlimited accounts
    • Free: limited to 10 accounts. You can recommend the app: if someone uses your code, both earn points. Points unblock features and paid plans for free.
  • Pros
    • It shows your expense against your budget to quickly see how much remains.
    • PC Manager: lets you use your computer if they are connected to the same Wi-Fi. For security, it is recommended to use this feature at home and not in public networks.
    • Lets users define a pass-code for the app.
    • Has Card management (debit and credit): To easily identify their payment dates.
  • Cons
    • Has ads in the free version.
  • Availability (Android, iOS)
  • Features
    • Export: Yes. Can extract data to Excel
    • Backup/restore: Yes
    • Multi-currency: Yes. Each account can be in a different currency. Automatic exchange rates retrieved.
    • Visual highlights: Light and dark modes, and 6 main colors
  1. Daily Budget Original
  • Good for:
    • Extreme ease of use. It shows you how much remaining you have according to your monthly budget but divided proportionally to daily consumption.
  • Cost:
    • $7.99 Pro upgrade
    • $6.99 PRO all features
    • $4.99 Plus upgrade
    • $1.99 More category icons
    • $1.99 analysis graphs
    • $1.99 Daily Budget PRO
    • $1.99 Dropbox sync
    • $0.99 no ads
    • $0.99 PIN protection
    • $0.99 CSV export
    • Source
  • Pros:
    • Key features are free. They claim forever free, including the daily budget consumption
    • Enter your income and percentage savings desired and the app calculates the daily budget consumption allowance.
  • Cons
    • Paid features: more customizable categories, pass-code, Dropbox synchronization, CSV export
  • Availability (only iOS)
  • Features:
    • Export: Yes, to CSV.
    • Backup/restore: No.
    • Multi-currency: No.
    • Visual highlights:  Light and dark modes.
  1. Wally

  • Good for:
    • Sync with bank accounts in 70 countries, 15,000 banks and 60 currencies.
  • Cost:
    • Free to download
    • $74.99 for lifetime access
    • Wally Gold: $24.99/YEAR or $1.99 per month includes:
      • Repeat Notifications or $5.99 per year if bought alone.
      • Advanced Filtering or $5.99 per year if bought alone.
      • Advanced Categories or $5.99 per year if bought alone.
      • Advanced Exporting or $5.99 per year if bought alone individually
      • Advanced Budgeting or $5.99 per year if bought alone.
      • Foreign Accounts or $6.99 per year if bought alone.
      • Currency Converter or $5.99  per year if bought alone
      • Unlimited Teams or $11  per year if bought alone
  • Pros:
    • Budgeting calendar.
    • Notifications before a payment repeats
    • Joint accounts possible to use in teams or couples
  • Cons
    • Expensive paid version.
  • Availability (only iOS)
  • Features:
    • Export: Yes, to CSV
    • Backup/restore: App retrieves transactions directly from bank accounts
    • End-to-end encrypted and ISO 27001 certified (Security International Norm) and GDPR compliant (Personal Data Management Law in Europe)
    • Multi-currency: Yes, and automatic currency exchange updates
  1. Wallet by Budget Bakers
  • Good for:
    • Best overall
  • Cost:
    • Free plan available without time limit restrictions
    • Paid: $5.99/month, $21.99 per year or $49.99 lifetime
  • Pros:
    • Bank account sync from 3500 banks worldwide
    • Dedicated budget manager
    • Useful graphs and statistics
    • Share accounts with selected users
    • Import and export 
  • Cons
    • Free version is limited to 3 accounts
    • Premium for 5€ per month to get data from your bank accounts. Most advanced features are in android, not in desktop or iOS.
    • Mainly synchronization with Google and Facebook (not ideal for privacy-minded people)
  • Availability (Android, iOS, Web
  • Features:
    • Export: Yes, to CSV, Excel, PDF
    • Backup/restore: Yes.
    • Multi-currency: Yes
  1. 1Money
  • Good for:
    • Budgeting per expense category.
  • Cost:
    • 3 months for $2.99
    • 1 year for $5.99
    • Lifetime access for $14.99 but offer now for $4.99
  • Pros:
    • Beautiful budgeting per category.
    • Useful debt and savings tracker.
  • Cons
    • Has ads.
    • Paid features: backups, exports, synchronization
  • Availability (only Android)
  • Features:
    • Export: Yes, to CSV.
    • Backup/restore: Yes, linked to email. Also synchronization is possible.
    • Multi-currency: Yes, with automatic exchange conversion
    • Visual highlights:  light and dark themes.
  1. Easy Home Finance
  • Good for:
    • Expense tracker more than budgeting but fully free without specific currency assignment.
  • Cost:
    • Fully free
  • Pros:
    • Fully free
    • Available in 26 languages
  • Cons
    • Simple visuals. Lacks specific budget features but its free nature makes it valuable.
  • Availability (Android)
  • Features:
    • Export: Yes, to CSV, XML, PDF.
    • Backup/restore: Yes with Google Drive and files.
    • Multi-currency: Yes but no automatic exchange rate.
  1. Say Money
  • Good for:
    • Using voice commands for input and output. It is like having a virtual assistant.
  • Cost:
    • Main features are free
    • Pro (all features): $4.99 in offer
    • Premium (Android+Desktop): $9.99
    • Backup and restore: $0.89
    • Budgeting: $0.89
    • Reports: $0.69
    • Currency converter: $0.69
    • Unlimited fix payments $0.89
    • Management of receipts (Image/PDF): $0.89
    • Synchronization: $1.19
    • Savings targets: $0.69
  • Pros:
    • No ads.
    • Main free features are: transactions, categories, accounts and transfers management, expenses and income evaluation, protection (pass-code, face ID, touch ID) and CSV import and export.
    • Tracks recurring expenditures and encourage you to reconsider them like Netflix, subscriptions or gym memberships
  • Cons
    • Budgeting is a paid feature. Pro version includes also receipts management, synchronization, encryption and currency converter
  • Availability (AndroidiOS)
  • Features:
    • Export: Yes, to CSV.
    • Backup/restore: Yes, with CSV. Synchronization possible in paid version
    • Multi-currency: Yes in paid version
    • Visual highlights:  minimalist.
  1. Financisto
  • Good for:
    • Fully free app with budgeting feature.
  • Cost:
    • Fully free
  • Pros:
    • Fully free with main features like transaction and budget management.
    • Has reports by payee, location, period, category and by group of 2.
  • Cons
    • Visuals are not polished.
  • Availability (only Android)
  • Features:
    • Export: Yes, to CSV and QIF.
    • Backup/restore: Yes. Automatic to Dropbox or Google Docs.
    • Multi-currency: Yes.
  1. Free Expense Tracker & Budget Planner – Bookipi
  • Good for:
    • Getting a highly featured budgeting app for free with no restriction on most important features.
  • Cost:
    • Free
    • For bank synchronization: $3.29/month for 1 bank or $25.99 per year. For unlimited banks, $4.69 per month or $38.99 per year.
  • Pros:
    • Free unlimited wallets.
    • Notifications when you are nearing your budget
    • Video tutorials in app to guide you.
  • Cons
    • Bank synchronization requires a $3 per month subscription. But there is a 6 month trial.
  • Availability (Android iOS)
  • Features:
    • Export: Yes, to CSV.
    • Backup/restore: Yes, using synchronization with Bookipi’s servers.
    • Multi-currency: Yes, also with automatic currency conversion.
    • Visuals highlights: Polished beautiful Visuals

What is the next step?

Check the articles written by the same author on Prosperous Frugal


Lisa Ehrman

Lisa has been blogging since 2013, and loves sharing resources and ideas for living a simple life. To get free printables, bonus words, and more - sign up for the newsletter.

2 Comments

Shakeia Rieux · July 31, 2021 at 9:51 pm

This is something I need to follow! When I try and budget my money I do good for a while, and then it goes right out the window. I’m trying again but it’s a struggle.

Lauryn R · September 5, 2021 at 3:15 pm

I have never thought about using a budgeting app before! This was very helpful information, thank you so much for sharing.

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