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Budgeting apps.

Installs
79.0M

Across 8 of 14 apps we could match.

Intuit Credit Karma has 77% of them.

  • 14 apps
  • 6,134 reviews held
  • 2,667 negative
  • Median $5.9911 of 13 charge. 1 more has no price data.

4 gaps.

Shares of this market’s 2,667 negative reviews.

Sync & datahigh

2.4% vs 0.9% typical store-wide.

Reviews · 3 of 65
  • Buddy: Budget Planner App2star· Sep 2, 2026

    Bank Connections — Bank connection fail to sync at least a couple times a year. Have to delete and we add. Can be annoying

  • Monarch: Budget & Track Money1star· Sep 1, 2026

    Data Loss — This company is clearly astro-turfing these reviews. Apple, do something about this. Tried the paid plan for nine months. Data was literally lost. Duplicate record imports. Regular account disconnections. Right now I’m stuck in a captcha loop and can’t even access my account. Support is useless. Don’t believe the fake reviews. Stay away. And, Apple, do something here to protect

  • Budget app - spending tracker1star· Aug 26, 2026

    Cant Sync bank Account — It doesnt even come with the option to sync your account. You have to enter everything manually. Might as well buy a note book and track your purchases that way instead of using this app

Named problems · 2
  • Sync fails between devices13 of 65
  • Everything gone at once3 of 65

Accuracyhigh

3.9% vs 1.5% typical store-wide.

Reviews · 3 of 104
  • YNAB1star· Sep 13, 2026

    Wildly inaccurate and annoying to use — The title speaks for itself. I'm going back to using paper and an excel document...It's recommended by any accountant worth it's salt anyways.

  • Intuit Credit Karma1star· Sep 11, 2026

    Lies and a money making scam. ZERO STARS!! — Wanted to look into getting my home refinanced and was on the phone and was never told about a $500 dollar transaction they did on there end and they wanted to do a appraisal on the house and they were sending someone out costing me $800. I was able to call the appraisal woman and I told her not to come and I was canceling the appraisal when I didn’t ag

  • Intuit Credit Karma2star· Sep 11, 2026

    Not accurate — Credit score is not accurate at all according to many banks and loan companies

UXhigh

10.3% vs 4.9% typical store-wide.

Reviews · 3 of 274
  • Intuit Credit Karma1star· Sep 13, 2026

    Credit Karma — This app is just useless at this point. It’s just an advertisement and any useful information is hidden behind clicks I can’t find. Deleting.

  • Copilot: Track & Budget Money2star· Sep 10, 2026

    Limited transaction history and awkward navigation — Copilot looks decent, but it only imported about three months of transaction history and there doesn’t seem to be any option to import older transactions. For an app focused on spending trends, budgeting, and analytics, that’s a pretty major limitation. I want to be able to look back at a full year or more to understand my actual spending patter

  • YNAB2star· Sep 10, 2026

    No historical transaction import!?!? — The biggest issue is that YNAB only starts pulling transactions from the day you connect your accounts. It doesn’t automatically import historical data, and manually bringing in past transactions is unnecessarily complicated. That means if you want useful spending analytics or realistic budgets based on your actual habits, you basically have to wait a month

Billingelevated

38.4% vs 30.6% typical store-wide.

Reviews · 3 of 1,025
  • Monarch: Budget & Track Money1star· Sep 15, 2026

    Not worth the cost — You will pay for a product that works about a quarter of the time. This absolutely overpriced garbage system is unreliable at keeping external accounts linked. Be prepared to do tons of manual work constantly fixing things.

  • NerdWallet: Smart Money App2star· Sep 14, 2026

    Love the idea but the glitching is crazy — I cannot put in a subscription because it’s constantly asking me to scan for a subscription and deletes whatever I just entered

  • Monarch: Budget & Track Money1star· Sep 13, 2026

    Costs money to use — I’m looking for a free budgeting app, because I don’t need another subscription. I’ve closed out of the app to see if maybe I can bypass the pop up for the subscription but nope it won’t budge. And I feel like that’s not fair to anyone who is struggling and not wanting to spend money to be able to budget and see their finances.

Named problems · 4
  • Price judged too high for the value57 of 1025
  • Trial converted without clear consent27 of 1025
  • Charge the user never authorised22 of 1025
  • Cancellation blocked or broken21 of 1025

Also counted

ThemeOf 2,667 negatives
  • Performance274 · 10.3% · 13 apps
  • Support226 · 8.5% · 13 apps
  • Login & auth190 · 7.1% · 12 apps
  • Ads134 · 5.0% · 12 apps
  • Limits & caps42 · 1.6% · 12 apps

The tick marks the store-typical rate. A review can mention more than one theme, so these sum past 100%.

What Apple surfaces for “budgeting”

Position in Apple’s suggestions
1510
spend tracker
monitor
app+
budgeting company
walleta
sathi
buddy budgeting ab
tool
4grosze
aconta
balance
bridgebudget
bonfire
budge
010203041
Countries

Is anyone looking for this?

What Apple and Google complete after budgeting apps, in their order.

Who they're for
couplesteenscollege studentsstudentsyoung adultsadhdbeginnerskids
Google
budgeting appsbudgeting apps redditbudgeting apps reviewsbudgeting apps freebudgeting apps canadabudgeting apps for couplesbudgeting apps ukbudgeting apps that connect to bank account
App Store
budget managementbudget planner freebudgetingbudgeting app for couplesbudgeting app for teensbudgeting for teenssmart moneybudget planner

Marked App Store phrases are searched, but no app in this market says them in its name. Audiences are what Apple and Google complete after “budgeting app for” and “budgeting for” and “budgeting apps for”, with the query stripped.

Potential customers

People the apps here do not serve, and what they asked for.

  • Wants lesstoo many features 45 · just a basic one 18 · it used to be simpler 1156
  • Outgrown itbulk entry 11 · select all 4 · bulk delete 319
  • Shut out by device or contextiPad 312
  • Wants it to plug inwidgets 3 · an API 28

Counted in 1 to 4 star reviews. The small numbers are how many reviews named each thing. What they wrote is in the free trial.

Who’s in it

All 14 apps counted in this market · 2026-09-21.

Buddy: Budget Planner App is the biggest app here that has stopped shipping. Last update 8 months ago, at 4,068 installs.

Apps count as part of a market for 90 days after they last appear in it. Installs are Google Play's own count, last captured 2026-09-21. 8 of 14 apps have an Android listing we could match. A dash means we could not pair the two stores, not that the app is absent from Play. Amber marks an app that has not shipped in over 90 days, the 90th percentile across every market we hold.

What they charge, and what it costs them

Prices from Apple’s public pages; the share counts payment-mechanics language only.

AppMoney complaints
Monarch: Budget & Track Money$14.99–$199.99 · 5 tiers8% of 202
Rocket Money - Bills & Budgets$2.99–$11.99 · 7 tiers6.6% of 513
Buddy: Budget Planner App$4.99–$49.99 · 7 tiers5.5% of 183
Budget app - spending tracker$2.99–$14.99 · 8 tiers4.5% of 89
YNAB$14.99–$109 · 2 tiers4% of 277
Goodbudget Budget Planner$5.99–$79.99 · 8 tiers3.2% of 158
Budget Bestie$4.99–$69.99 · 6 tiers3.2% of 93
EveryDollar: Budget Management$7.99–$129.99 · 7 tiers2.4% of 165
Copilot: Track & Budget Money$13–$95 · 3 tiers1.6% of 190
Fleur - Budget Planner App$6.99–$39.99 · 6 tiers0% of 24
Weekly: Budget Planner & Bills$0.99–$79.99 · 9 tiers0% of 20

What each one owns, where each is exposed

Rocket Money - Bills & Budgets

367,314 ratings · 68% negative

Owns. Largest reach; bill-negotiation hook

Exposed. Billing fraud perception ('billing every three weeks'); inaccurate sync; no Zelle/CashApp

Intuit Credit Karma

7,662,704 ratings · 67% negative

Owns. Massive free-tier reach; credit-score anchor

Exposed. Feature removals without notice; AI answers users call 'entirely inaccurate'; no real budgeting depth

NerdWallet: Smart Money App

124,050 ratings · 69% negative

Owns. Brand trust; free entry

Exposed. Stripped 50/30/20 tracker and bill tracker; ad-heavy redesign; users explicitly say 'my bank app does this now'

YNAB

60,738 ratings · 49% negative

Owns. Methodology loyalty; $109 annual ceiling proves willingness to pay

Exposed. Monstrous learning curve; bank connections break setup; UI redesigns alienate existing subscribers

Monarch: Budget & Track Money

97,998 ratings · 36% negative

Owns. Cleanest negative rate among syncing apps; strong community

Exposed. Facebook tracker in paid app; promised features moved to higher paywall; money-back guarantee unenforceable

Copilot: Track & Budget Money

29,706 ratings · 39% negative

Owns. Premium aesthetic; $95 annual tier proves high-end segment

Exposed. Crashes adding accounts; duplicate transactions require manual cleanup; support unresponsive

EveryDollar: Budget Management

83,904 ratings · 38% negative

Owns. Dave Ramsey ecosystem distribution; $129.99 ceiling

Exposed. Foreign transaction delays; buggy goal editing; batch labeling absent

Goodbudget Budget Planner

13,319 ratings · 37% negative

Owns. Envelope method niche; long-term retention

Exposed. Silent data loss wipes years of envelopes with no recovery path

Browse the apps behind these counts

Every app we count, with the complaint it runs furthest above the store’s typical rate.

Open the app library

Is there a market for a new budgeting app?

14 apps compete here. They hold 79,018,859 installs on Google Play, counted across the 8 we could match. We hold 6,134 of their App Store reviews. Those are counts, not a verdict. The page shows what is unfixed, not whether to build.

How much do budgeting apps charge?

11 of the 13 apps we could check charge inside the app. Half of them start at $5.99 or less. 1 more app has no price data yet.

What do people search for when they want a budgeting app?

We scan 41 App Store storefronts. Typing budgeting completes to “budgeting app - spend tracker” in 37 of them. Then “budgeting monitor” in 37, “budgeting app+” in 37. These are Apple’s own suggestions. They show what gets typed, not how often.

What do users complain about most in budgeting apps?

1. Sync & data: in 11 of 14 apps, 2.4% of negative reviews; 2. Accuracy: in 12 of 14 apps, 3.9% of negative reviews; 3. UX: in 12 of 14 apps, 10.3% of negative reviews; 4. Billing: in 14 of 14 apps, 38.4% of negative reviews. Counted from 2,667 negative reviews on the 2026-09-21 snapshot, never estimated.

How this is counted

Every number is arithmetic over the reviews we hold, re-counted weekly: nothing modelled, nothing scored. Themes come from a frozen pattern classifier rather than a model reading reviews, so the same review always lands in the same bucket. A market rate is pooled across every app here; the store rate is the same count across 13,514 apps. A complaint is only called a gap when at least half the market carries it, at least 20 reviews are behind it, and the market’s rate is elevated above the store’s, the same cutoff used everywhere on this site, because a problem concentrated in one app is that app’s bug, and a problem every app on the store shares is nobody’s gap.