Lumis Finance is a structured database of personal finance and budgeting apps. Compare apps by pricing, privacy, features, bank sync, spreadsheet compatibility, and best-fit use case.https://lumisfinance.com/en-ushttps://lumisfinance.com/apps/copilot-money/https://lumisfinance.com/apps/copilot-money/Apple-platform personal finance app focused on automated transaction categorization and a polished UI. Subscription only; iOS, iPadOS, and macOS.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/empower/https://lumisfinance.com/apps/empower/Free wealth-tracking dashboard inherited from Personal Capital. Strong on net worth, retirement, and investment portfolio analysis; lighter on transactional budgeting.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/everydollar/https://lumisfinance.com/apps/everydollar/Ramsey Solutions' zero-based budgeting app. Free tier supports manual budgeting; paid Premium tier adds bank sync and additional features.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/goodbudget/https://lumisfinance.com/apps/goodbudget/Manual envelope-budgeting app with shared partner access. Free tier exists with envelope and account caps; the Plus tier raises the limits and adds bank import.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/mint/https://lumisfinance.com/apps/mint/Discontinued. Mint was Intuit's free, ad-supported personal finance app — for many years the default free option in the US. Intuit shut Mint down in March 2024 and migrated users to Credit Karma.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/monarch-money/https://lumisfinance.com/apps/monarch-money/All-in-one personal finance app focused on net worth tracking, account aggregation, and household budgeting. Web and mobile, with a household plan that includes partner access.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/tiller/https://lumisfinance.com/apps/tiller/Tiller pipes daily bank transactions into a Google Sheet or Excel workbook you control. Less an app than a spreadsheet automation layer with prebuilt budgeting templates.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/ynab/https://lumisfinance.com/apps/ynab/Subscription envelope-budgeting app built around the zero-based method. Web-first with iOS and Android companions. Mature ecosystem and large community; no permanent free tier.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/compare/monarch-money-vs-rocket-money/https://lumisfinance.com/compare/monarch-money-vs-rocket-money/Monarch vs Rocket Money: two of the most-recommended Mint replacements. Monarch is a paid household dashboard ($99/yr); Rocket Money has a real free tier and a subscription-cancellation focus.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/compare/okane-vs-goodbudget/https://lumisfinance.com/compare/okane-vs-goodbudget/Okane vs Goodbudget: both have a real free envelope budgeting tier. Okane has unlimited envelopes and Google Sheets sync; Goodbudget caps the free tier at 20 envelopes.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/compare/okane-vs-tiller/https://lumisfinance.com/compare/okane-vs-tiller/Okane vs Tiller: both put your budget data in a Google Sheet you own. Okane is mobile-first envelope budgeting; Tiller is a spreadsheet automation pipeline.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/compare/ynab-vs-goodbudget/https://lumisfinance.com/compare/ynab-vs-goodbudget/YNAB vs Goodbudget: both are envelope budgeting apps but with different price tags. YNAB is $109/year and polished. Goodbudget has a real free tier capped at 20 envelopes, with a $80/year unlimited tier.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/best/mint-alternatives/https://lumisfinance.com/best/mint-alternatives/Mint shut down in March 2024. These are the apps people actually use to replace it, ranked by what kind of Mint user you were.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/best/spreadsheet-budgeting-apps/https://lumisfinance.com/best/spreadsheet-budgeting-apps/Apps where a spreadsheet — Google Sheets, Excel, or both — is part of the workflow as the source of truth, an automated transaction sink, or a first-class export.Sun, 03 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/actual-budget/https://lumisfinance.com/apps/actual-budget/Open-source local-first envelope budgeting app. Free if you self-host on a server, Pi, or your own machine; the project also offers a paid hosted sync service.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/okane/https://lumisfinance.com/apps/okane/Mobile envelope budgeting app whose backing store is a Google Sheet on the user's own Drive. Free tier with unlimited envelopes; $5/month Premium adds Plaid bank sync and on-device AI categorization.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/quicken-simplifi/https://lumisfinance.com/apps/quicken-simplifi/Quicken's modern subscription-based personal finance app. Web and mobile, with a focus on cash-flow planning, watch lists, and recurring bills.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/apps/rocket-money/https://lumisfinance.com/apps/rocket-money/Personal finance app focused on subscription management, balance alerts, and bill negotiation. Adds basic budgeting and automated savings on top.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/compare/monarch-money-vs-copilot-money/https://lumisfinance.com/compare/monarch-money-vs-copilot-money/Monarch vs Copilot: both are polished post-Mint personal finance dashboards. Monarch is cross-platform and household-oriented; Copilot is Apple-only with strong native UX.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/compare/okane-vs-actual-budget/https://lumisfinance.com/compare/okane-vs-actual-budget/Okane vs Actual Budget compared on data ownership, setup cost, bank sync, and platform. Both prioritize the user owning their data; the difference is whether you want to run a server.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/compare/okane-vs-monarch-money/https://lumisfinance.com/compare/okane-vs-monarch-money/Okane vs Monarch Money compared on method, price, and data location. Different products: Okane is mobile envelope budgeting in your Google Sheet; Monarch is a household financial dashboard.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/compare/okane-vs-ynab/https://lumisfinance.com/compare/okane-vs-ynab/Okane vs YNAB compared on pricing, privacy, features, bank sync, and data ownership. Both use zero-based envelope budgeting; pricing and data philosophy differ sharply.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/compare/ynab-vs-actual-budget/https://lumisfinance.com/compare/ynab-vs-actual-budget/YNAB vs Actual Budget: same envelope method, opposite product philosophy. YNAB is a polished $109/year hosted app; Actual is free, open source, and self-hostable.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/best/budgeting-apps-for-couples/https://lumisfinance.com/best/budgeting-apps-for-couples/Budgeting apps that actually work for two people sharing one budget. Ranked by how shared access works, what it costs, and whether the underlying method fits real households.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/best/budgeting-apps-with-bank-sync/https://lumisfinance.com/best/budgeting-apps-with-bank-sync/Budgeting apps with automated transaction import. Ranked by aggregator quality, coverage, what's locked behind paid tiers, and how the underlying budget method fits.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/best/budgeting-apps/https://lumisfinance.com/best/budgeting-apps/Budgeting apps ranked by what they actually do: how they budget, where your data lives, what they cost, and which user they fit best.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/best/free-budgeting-apps/https://lumisfinance.com/best/free-budgeting-apps/Apps with a real free tier — not a 14-day trial, not a free tier so gutted it's unusable. Ranked by what you can actually do without paying.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/best/google-sheets-budgeting-apps/https://lumisfinance.com/best/google-sheets-budgeting-apps/Budgeting apps where a Google Sheet is part of the workflow — either as the source of truth, an automated transaction sink, or an export target.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/best/privacy-first-budgeting-apps/https://lumisfinance.com/best/privacy-first-budgeting-apps/Budgeting apps ranked by where your data lives, what they store on their servers, and how their architecture limits exposure of your financial history.Sat, 02 May 2026 00:00:00 GMThttps://lumisfinance.com/best/ynab-alternatives/https://lumisfinance.com/best/ynab-alternatives/YNAB alternatives for envelope budgeting, ranked by free-tier availability, data ownership, and feature parity with YNAB's core method.Sat, 02 May 2026 00:00:00 GMT