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The best apps, tested by hand

Money

Budgeting, bill splitting and spending trackers that make money feel less like homework.

a budget app that links to my banksplit rent and bills with my partner

Our three picks

How we pick
1Best overall
SplitwiseFree; Pro subscription

Split bills and shared expenses with housemates, partners and friends.

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2Strong alternative
EmmaFree plan; paid tiers

UK-focused money app that finds subscriptions and tracks spending.

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3Also great
YNABSubscription; free trial

Zero-based budgeting: give every pound or dollar a job.

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All 5 money apps

EmmaFree plan, iPhone, Android, Web
UK-focused money app that finds subscriptions and tracks spending.
SplitwiseFree plan, iPhone, Android, Web
Split bills and shared expenses with housemates, partners and friends.
YNABPaid, iPhone, Android, Web
Zero-based budgeting: give every pound or dollar a job.
Copilot MoneyPaid, iPhone, Mac, Web
A beautiful budgeting app for iPhone and Mac that learns your spending.
Monarch MoneyPaid, iPhone, Android, Web
See all your accounts, budgets and goals in one place, with your partner.

3 picks every Sunday. Nothing else.

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