Best Budgeting Apps in 2025: Top Picks for Every Money Style

Best overall picks

YNAB: Zero‑based method that assigns every rupee/dollar to a job; great for proactive planners who want discipline and cash‑flow clarity.
Monarch Money: Customizable dashboards, multi‑user support, clean net‑worth and cash‑flow views; a popular Mint replacement with strong reviews in 2025 roundups.
Simplifi by Quicken: Easy setup, strong bill/income projection and category rules; editor’s choice in tech reviews as a Mint successor.
Rocket Money: Automated spend tracking plus subscription and bill‑negotiation tools; strong “best overall” nods for saving on recurring bills.
Copilot: Polished iOS‑first experience with powerful categorization and progress tracking, favored by users who want automation plus manual control.

Empower (formerly Personal Capital): Free budgeting with superior investment and net‑worth tracking; useful for households with multiple brokerage accounts.
Tiller: Spreadsheet‑based automation for Google Sheets/Excel; ideal for power users who want full control and auditability over categories and rules.
PocketGuard: Simple “In My Pocket” spend guardrails; a common free alternative with import tools for ex‑Mint users.

Goodbudget: Digital envelopes that encourage intentional spending; lightweight and ad‑free approach praised in many lists.
Honeydue: Joint budget and bill tracking for couples with shared views and alerts.

Walnut: SMS‑based expense capture, bill reminders, and splits; strong for UPI‑era tracking without heavy setup.
ET Money and INDmoney: Combine spending insights with investments, insurance, and credit score tools for an all‑in‑one Indian personal finance stack.

Want the most control? Pick YNAB or Tiller for rule‑based or spreadsheet‑based zero‑based budgeting.
Want automation and savings on bills? Choose Rocket Money or Simplifi for subscription cleanup and proactive cash‑flow projections.
Want a Mint-like all‑rounder? Choose Monarch or Empower for strong net‑worth and investment views with clean interfaces.
Budgeting with a partner? Try Goodbudget or Honeydue for shared envelopes and coordination.
In India with UPI/SMS tracking? Start with Walnut or ET Money for frictionless spend capture and local integrations.

Are there good free apps post‑Mint? Empower and PocketGuard offer solid free tiers; Rocket Money has a free plan with optional paid features.
What’s the best Mint replacement? Tech reviewers often recommend Simplifi or Monarch for ease and depth; Empower suits those prioritizing investments.
Which works offline or with spreadsheets? Tiller automates Sheets/Excel; Money Manager and Walnut (India) allow manual/offline workflows.
Which is best for strict budgeting? YNAB’s zero‑based method is consistently top‑rated for creating and sticking to a plan.