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Budget and track your spending

Compare indie iOS apps for planning a budget and seeing where your money goes.

Four apps for knowing what's left to spend, and none of them asks for a bank login. Monthly is free with nothing to buy; the others have free features and paid upgrades, so check the price on each listing.

Compared with a well-known app

Common questions

Is there a budget app that doesn't connect to your bank?

All four here work without a bank connection: you add your income and spending yourself. Kelo says it plainly: no bank login, ever. Tracky and Monthly need no sign-up either.

Is there a free budget app with no subscription?

Monthly is free, with no in-app purchases, ads or sign-up. It plans your month around income and recurring bills, and keeps your entries on your device.

Is there an envelope budgeting app for iPhone?

Tracky splits a budget into envelopes such as groceries, fuel and hobbies, and shows what's left in each. Its main features are free, with Premium for unlimited budgets.

What's a good YNAB alternative?

Monthly, Tracky, Kelo and Soldi are budget apps by indie makers, and none of them asks for a bank login. Monthly is free. Our YNAB alternatives page compares them with YNAB, which costs $109 a year in the US.

Which of these apps have widgets?

Expense Tracker - Soldi (Home Screen and Lock Screen), as its maker says.

How we choose these apps

Each app takes a different view of budgeting, so this is a shortlist rather than a ranking. Facts are attributed on each listing, and anything we don't know stays marked as unknown.

Selection last checked 2026-10-28.

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