10 Best Budgeting Apps of 2026
We tested 20+ budgeting apps to find the best options for different needs. Here's our complete guide to choosing the right budget app for you.
TL;DR: If you split expenses with others (roommates, partner, friends), Savida is the best choice. For solo budgeters willing to pay, YNAB is solid. For bill negotiation, try Rocket Money.
Quick Comparison
Savida
Group expenses + budgeting
Free / $9.99/mo or $79.99/yr
Pros:
- Free tier available
- Bank sync
- Expense splitting
- AI coach
- Community forum
Cons:
- Newer app
Verdict: Best all-in-one solution
Rocket Money
Bill negotiation
$6-12/month
Pros:
- Bill negotiation
- Subscription tracking
- Good UI
Cons:
- Expensive
- No expense splitting
- No free tier
Verdict: Good for solo users with bills to negotiate
YNAB
Zero-based budgeting
$14.99/month
Pros:
- Proven methodology
- Strong community
- Desktop app
Cons:
- Expensive
- Learning curve
- No splitting
Verdict: Best for dedicated budgeters willing to pay
Splitwise
Expense splitting only
Free / $4.99/month Pro
Pros:
- Easy splitting
- Group support
- Good for travel
Cons:
- No budgeting
- Manual entry
- No bank sync
Verdict: Best for splitting only (not budgeting)
Copilot
iOS users
$10/month
Pros:
- Beautiful design
- Investment tracking
- Good insights
Cons:
- iOS only
- Expensive
- No splitting
Verdict: Best for iPhone-only users who can pay
What to Look For in a Budget App
When choosing a budgeting app, consider these key factors:
- Bank Sync: Automatic transaction import saves hours of manual entry
- Expense Splitting: Essential if you share costs with others
- Price: Free tiers vary widely - some apps charge $15/month
- AI Features: Smart insights can help you save more automatically
- Community: Access to tips from other users can boost motivation
Why We Recommend Savida
Savida stands out because it combines three things that usually require separate apps: budgeting (like Rocket Money), expense splitting (like Splitwise), and AI coaching for personalized advice.
Plus, it's completely free. No premium tier needed for essential features. The in-app community forum also helps you stay motivated and learn from others.