
The directory
Personal Finance software
45 products matching your filters. Each one described on the same fields, so two tools can be read against each other rather than against their own marketing.
Showing 1–24 of 45


Actual Budget
Free, open source, local-first envelope budgeting with optional self-hosted sync
Free- Web
- macOS
- Windows
- +3
3 alternatives · 3 questions answered

Affirm
Buy now pay later app offering short interest-free plans and longer plans that charge real APR interest
Free- iOS
- Android
- Web
2 alternatives · 3 questions answered

Afterpay
Buy now pay later app splitting purchases into four instalments, owned by Block
Free- iOS
- Android
- Web
2 alternatives · 3 questions answered

Betterment
Your path to financial independence
Pricing not published- Web
- iOS
- Android
4 alternatives · 4 questions answered

Charles Schwab
Investing made simple
Pricing not published- Web
- iOS
- Android
4 alternatives · 2 limitations documented

Coinbase
Buy, sell, and trade cryptocurrency with ease
Free plan available- Web
- iOS
- Android
4 alternatives · 1 limitation documented

Copilot Money
AI-powered personal finance assistant
Free plan, then $95/yr- Web
- iOS
- Android
4 alternatives · 2 questions answered

Credit Karma
Free credit scores, reports, and more
Free plan available- Web
- iOS
- Android
4 alternatives · 3 questions answered

Crypto.com
The best place to buy, sell, and pay with crypto
Free- Web
- iOS
- Android
4 alternatives · 4 questions answered

E*TRADE
Express your investing style
Pricing not published- Web
- iOS
- Android
4 alternatives · 1 limitation documented

EveryDollar
Budget every dollar, build wealth faster
Free plan, then $79.99/yr- Web
- iOS
- Android
4 alternatives · 3 questions answered

Fidelity
Building a better financial future
Pricing not published- Web
- iOS
- Android
4 alternatives · 6 limitations documented

Firefly III
Free, open source, self-hosted personal finance manager with double-entry style accounting
Free- Web
- Linux
- Self-hosted
3 alternatives · 3 questions answered

Goodbudget
Digital envelope budgeting app
Free plan available- Web
- iOS
- Android
4 alternatives · 1 question answered

Investopedia Stock Simulator
Paper trading without risk
Free- Web
3 alternatives · 4 questions answered

Kraken
Secure cryptocurrency exchange for serious traders
Free plan available- Web
- iOS
- Android
3 alternatives · 4 questions answered

Lunch Money
Hosted budgeting app with bank sync, crypto and multi-currency tracking, pay-what-you-want annual pricing
From $60/yr- Web
- iOS
- Android
3 alternatives · 3 questions answered


Monarch Money
All-in-one wealth management platform
From $99/yr- Web
- iOS
- Android
4 alternatives · 3 questions answered
- M
MoneyWiz
Simple and powerful personal finance app
Free plan available- Web
- iOS
- Android
4 alternatives · 5 limitations documented

Monzo
UK-licensed digital bank with FSCS-protected deposits and no foreign currency card fees
Free- iOS
- Android
- Web
2 alternatives · 3 questions answered

PayPal
The simpler, safer way to pay and get paid
From $29/mo- Web
- iOS
- Android
- +1
4 alternatives · 4 questions answered

Personal Capital
Invest wisely, retire confidently
Free plan available- Web
- iOS
- Android
4 alternatives · 3 questions answered
Head to head
Personal Finance tools, compared
Pairings from this slice of the directory, each one checked by two reviewers who agreed a buyer would weigh the two against each other.
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How this works
What you are looking at
Where does this data come from?
Pricing, platforms and feature lists are taken from each vendor's own pages. Limitations, answered questions and alternatives are researched separately and carry a source URL on the page that states them. Every product is described on the same fields, so two tools can be read against each other rather than against their own marketing.
Why are there no star ratings?
Because we did not collect any. Softwr hosts no reviews, and a rating aggregated from somewhere else is not ours to publish as though it were an assessment we made. What is shown instead is what a tool costs, where it runs, and what it is concretely bad at.
How are alternatives chosen?
A researcher proposes them, then two independent reviewers judge one question each: would a buyer evaluating this product seriously consider that one instead. 225 of 1,841 candidates failed and were deleted, including a font inspector matched to a dark mode extension. Only pairings that survived both rounds are published.
Do vendors pay to appear here?
Not to be listed. A vendor can buy a place in the results on the home page, on a category listing or on the catalogue, and where they do the result carries a Sponsored label. Everything not carrying that label is ordered on the same criteria as everything else, and a paid place never changes where an unpaid one lands: the editorial order flows around it. Where a link earns a commission that is disclosed on the page carrying it.
How current is it?
Prices and plan limits move without notice, so treat anything with a number on it as a starting point and check the vendor before you buy. Where a claim could go stale it carries the source it came from, which is the fastest way to tell.
Other ways to narrow it down
- Browse by categoryEvery category, and what sits in each one.
- Head to headTwo tools on the same fields, with a straight answer.
- Best ofA shortlist per category, and why each one made it.
- AlternativesWhat people move to, and what they give up doing it.
- Pricing, in fullWhat each tier actually costs, tier by tier.
Something missing here?
Anyone can submit a tool. A person reads every submission, checks the pricing against the vendor’s own page, and nothing is published until it passes.
