Finance & Personal Budgeting

Paid apps push YNAB, Mint, Personal Capital and similar subscription budgeting. Open-source tools cover personal ledgers, envelopes, goals and portfolios — including on mobile — without selling your transactions as a product.

Bank sync and automatic bill pay from commercial apps may not exist in free software. Spreadsheets and local apps need discipline. For business accounting and invoicing, use the Business page: personal finance does not replace bookkeeping.