Softwr

The directory

Personal Finance software

16 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 1–16 of 16

  • Actual Budget logo

    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 logo

    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 logo

    Afterpay

    Buy now pay later app splitting purchases into four instalments, owned by Block

    Free
    • iOS
    • Android
    • Web

    2 alternatives · 3 questions answered

  • Copilot Money logo

    Copilot Money

    AI-powered personal finance assistant

    Free plan, then $95/yr
    • Web
    • iOS
    • Android

    4 alternatives · 2 questions answered

  • Crypto.com logo

    Crypto.com

    The best place to buy, sell, and pay with crypto

    Free
    • Web
    • iOS
    • Android

    4 alternatives · 4 questions answered

  • Firefly III logo

    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

  • Mint logo

    Mint

    All your money in one app

    Free
    • Web
    • iOS
    • Android

    4 alternatives · 2 questions answered

  • Monzo logo

    Monzo

    UK-licensed digital bank with FSCS-protected deposits and no foreign currency card fees

    Free
    • iOS
    • Android
    • Web

    2 alternatives · 3 questions answered

  • Revolut logo

    Revolut

    Multi-currency financial app operating as a licensed bank in parts of the EU and as an e-money institution elsewhere

    Free
    • iOS
    • Android
    • Web

    3 alternatives · 3 questions answered

  • Skrill logo

    Skrill

    Fast and secure money transfer

    Free
    • Web
    • iOS
    • Android

    4 alternatives · 4 questions answered

  • Starling Bank logo

    Starling Bank

    UK-licensed digital bank with FSCS-protected deposits, built and majority-owned without a US parent

    Free
    • iOS
    • Android
    • Web
    5 integrations

    2 alternatives · 3 questions answered

  • Venmo logo

    Venmo

    Money transfer and social payments

    Free
    • Web
    • iOS
    • Android

    4 alternatives · 3 questions answered

  • Wise logo

    Wise

    Multi-currency account and international transfers priced at the mid-market rate plus an upfront fee

    Free
    • Web
    • iOS
    • Android

    2 alternatives · 5 questions answered

  • YNAB logo

    YNAB

    You Need A Budget

    Free plan, then $9.08/mo
    • Web
    • iOS
    • Android

    4 alternatives · 4 questions answered

  • Zelle logo

    Zelle

    Fast, safe and easy money transfer

    Free
    • Web
    • iOS
    • Android

    4 alternatives · 4 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.

Browse another way

Every category, and the cuts people ask for

All 105 categories

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.