Last updated: January 9, 2023

Google Sheets

Google Sheets is like Microsoft Excel, so if you know how to use one, you can definitely use the other. It’s a highly customisable interface, which may have a difficult learning curve if you’re new to both, but is extremely rewarding when you learn to do so. It can’t manage your finances in terms of automated deposits into savings accounts; however, this can be a positive in that your banking information is always private and the data you input is backed up by the cloud.  

Pros:

  • Highly customisable
  • Easy to update (cloud-backed)
  • Greater privacy regarding banking information

Cons:

  • Requires knowledge of spreadsheets/template
  • Not automated

Plum

Plum allows you to link banks and credit cards as well as debit card accounts from alternative providers as well. You can set up an automated deposit into your savings account this way, as well as investing in stocks and funds, consolidating your pension funds. With its wide range of features, you can be sure you’ll be able to have a fulfilling budgeting experience. It even has alerts for upcoming bills available! However, to get the most you want out of this you’ll have to pay for it.

Pros:

  • Links to accounts 
  • Can set up automated savings deposits
  • Upcoming bill alerts

Cons:

  • May be difficult learning curve for all features
  • Some features behind paywall

Emma

Emma’s unique selling point is that it can sync to crypto accounts along with the classic feature of linking to banks and credit/debit cards. Accordingly, you can also invest in stocks and choose favourites as well as create a list in order to track how these go. You also have access to an extremely wide range of cashback offers, and automatically categorised outgoing payments so you can view what’s draining your money the most and change your spending habits appropriately. If you want additional features such as upcoming bill reminders and connection with business accounts, there’s three subscription tiers: Plus, Pro, and Ultimate.

Pros:

  • Links to accounts
  • Cashback offers
  • Able to view outgoing payments categorised

Cons:

  • Some features behind paywall

Monese

Monese can benefit your credit score and offers a unique loan that is 0% interest without needing credit checks. If you maintain a good relationship with the app, you’ll get better credit score! However, this feature is limited by a paywall. Otherwise, it offers savings accounts and allows you to sync accounts and track transactions efficiently, as well as designating saving goals. You can get a debit card when you register with Monese, which is delivered to you completely free of charge.

Pros:

  • Links to accounts
  • Can build credit
  • Offers savings accounts

Cons:

  • No investment options
  • Some features behind paywall

Snoop Finance

Snoop is a comprehensive budgeting app that tracks your money across accounts that you can sync, and identifies wasteful money usage with its AI. In addition, you can set up automated deposits into your savings account, and receive personalised tips and deals according to your spending habits. It’ll give you understandable breakdowns of how you’ve been spending, categorising your payments. On top of all these features Snoop also alerts you of upcoming bills on a weekly basis. While it doesn’t offer savings accounts, and some features are behind a small paywall, the free version does plenty.

Pros:

  • Identifies potential wasted outgoing payments
  • Can set up automated savings deposits
  • Upcoming bill alerts

Cons:

  • Doesn’t offer savings accounts

Goodbudget

Goodbudget has a unique ‘envelope budgeting’ feature that allows you to see your income in various envelopes of expenses you have. You can customise this to be anything, from shopping to streaming service bills. If you have savings goals, it’s also possible to customise it accordingly. You can also share your budgeting and sync it across a number of devices. With its easy user interface and the efficient in-app reports, you can trust Goodbudget to do what you need it to. For unlimited ‘envelopes’ you’ll need to get through a paywall.

Pros:

  • Easy user interface
  • In-app reports
  • Able to share budgets across devices

Cons:

  • Some features behind significant paywall

Spending Tracker

With its easy user interface, Spending Tracker is accessible for even the novice of the budgeting world. You can set up regular deposits and transactions for a customisable experience. It also helpfully has in-app reports which vary from weekly, monthly, or yearly. These nifty infographics will also be interactive. Like Google Sheets, you won’t have to link this to your banking account which can be both a benefit and a downside. It may also be more accessible for American users, which limits functionality for those outside of America.

Pros:

  • Easy user interface
  • Can set up regular transactions
  • In-app reports

Cons:

  • May be aimed more for American users
  • Doesn’t sync across devices

Daily Budget Original

As the name suggests, Daily Budget Original will calculate how much you’ll need to limit spending everyday in order to be on track with the budget you input into the app. There’s no limit to how big or small you can set the budget! You also don’t have to link this with bank accounts, and it’ll back up any information you put into it regarding transactions and saving goals to the cloud.The app will categorise your outgoing payments. If you want to sync this information across devices, you’ll need to pay

Pros:

  • Easy user interface
  • Cloud back-ups regularly
  • In-app reports

Cons:

  • Some features behind significant paywall

Monefy

Money has an accessible user interface, meaning you should be able to understand the data and what it represents in terms of your expenses easily. In addition, it uniquely has an in-app calculator should you need to calculate anything regarding your income, outgoing payments, or budget goals. Backing your data up everytime you edit, you have the option to synchronise this to your Google Drive or Dropbox if that’s more convenient for you. The outgoing payment will have default categories, but you can customise this and add further ones. 

Pros:

  • Has calculator available
  • Cloud back-ups regularly
  • Able to share budgets across devices

Cons:

  • No debt payment tracker

Fudget

You can sync the budget you put on one device onto multiple devices, and export the data to a spreadsheet elsewhere (though this feature is behind a paywall). It’s a simple app to use, and allows you to edit income and outgoing money, and keep track of your balance. It’s very similar to Google Sheets, but with a much more understandable interface which anyone can access. Unfortunately, since it’s so simple, you won’t get further features such as a debt payment tracker.

Pros:

  • Able to share budgets across devices
  • Can export data
  • Simplistic user interface

Cons:

  • No debt payment tracker
  • Some features behind a significant paywall

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