Our Pick Of Best Free Budgeting Apps For 2025

Plum is a savings and investment app that allows you to link bank and credit card accounts from other providers and present a true picture of your spending.

The automated deposits feature allows you to round up your spend to the nearest pound and automatically save the difference into an easy access ‘Savings Pocket’, which pays up to 4.17% AER depending on your level of Plum subscription.

These range from the free Basic account to the Premium account at £9.99 a month.

The provider has also launched a Spend Tracker tool, which automatically categorises outgoings and allows users to quickly compare spending patterns from month to month.

You can invest in stocks and funds, make investments for retirement and consolidate your existing pensions into a Plum Self Invested Personal Pension (SIPP) through the app too.

Users can also hold cash in Plum Interest, which is invested into a fund of government backed loans and bonds. The fund offers a variable annual return (VAR) of up to 4.42%, for Premium customers. Basic customers earn 3.80% VAR, while Pro subscribers earn 4.27%.

Through Plum’s cash ISA, users could earn up to 5.92% AER (variable). Just bear in mind this includes a bonus rate of 2.38% AER, which drops off after just three months. ISA transfers are not eligible for this bonus rate.

You can add money to the Plum card from your bank account or from money you have put aside in the Plum app, and spending abroad will not incur any foreign transaction fees.

Interest Pockets are provided by Investec Bank Plc. Capital is at risk if you invest.

Read Plum review.

With Emma, you can sync compatible bank accounts within the app. It also offers easy access savings pots paying up to 4.71% AER (variable). The highest rates are exclusive to Emma customers with paid-for accounts, however.

You can also use the app to trade more than 1,000 US stocks and shares, starting from just £1, and create favourites and ‘watch lists’ to track your next investment.

Making payments via the app via unique payment links or QR codes means you don’t have to give out your bank details. Elsewhere, you can build your credit history by asking Emma to report monthly rental payments to Experian, Equifax and TransUnion.

The free basic version of Emma will categorize your spending, help you budget and identify areas where you can make savings. But the Plus (£4.99 a month), Pro (£9.99 a month) and Ultimate (£14.99 a month) versions allow for increasing functionality. This includes exclusive cashback offers, bill reminders and being able to connect business accounts with the Ultimate Emma.

Monese can help you improve your credit score as well as budget.

Its Credit Builder tool offers what is technically a 0% interest loan without the need for credit checks. Keep up with your repayments you can improve your credit score with Experian, Equifax and TransUnion credit reference agencies.

However, while the loan is accessible to people who may not otherwise be able to access credit, the £2.50 a month subscription fee to this service equates to a 9.10% Annual Percentage Rate (APR), based on a £600 loan. (As of 7 April 2025, Monese says its Credit Builder service is temporarily closed to new customers).

Syncing your accounts to the app means you can track and group transactions and put aside money from day-to-day spending in ‘pots’ that represent each of your saving goals. You can also set up and track Direct Debits, set budgeting goals and track your progress. Bear in mind that these pots, unlike a traditional savings account, do not pay interest on balances.

If you’re on the Monese Classic (£7.95 a month) or Premium (£14.95 a month) plan, you’ll have access to additional features, such as priority customer service access and free spending in foreign currencies.

All three plans, including the basic, come with a debit card, delivery of which is free.

The clue’s in the name with Snoop Finance. In addition to tracking your money across your accounts, this app can help you find ways to save money, ranging from sourcing discounts on food delivery services to finding cheaper broadband tariffs. It also offers a customisable budget creation tool.

You’ll get daily money-saving suggestions tailored to your spending as well as deals with Snoop’s retail partners and money insight and guidance. It provides a monthly and all-time analysis of how much you are spending in payments and purchases, by category from Amazon to your water bill payments.

Snoop highlights anything that may require attention such as daily balance updates and bill increases. It also automatically categorises your spending.

Snoop trawls your account for fees (such as foreign transaction charges when you spend overseas) and points out smarter ways to spend. It also sends an alert every Sunday summarising what bills are due in the next seven days.

The Snoop Plus version of the app (£4.99 a month) allows you to track your net worth, and provides unlimited spending reports, spending alerts and refund alerts.

Read Snoop review.

The Goodbudget app operates a digital ‘envelope budgeting’ system which splits your income into envelopes for each of your expenses. This could include food shopping, debt or utility bills. You can also use it to budget for long-term savings goals.

When you come to make a purchase you should only use money from the relevant envelope.

Goodbudget also allows you to track any debt that you are paying off, and provides in-app reports on your budgeting progress. The app is available to use on the internet, and on your smartphone, allowing you to budget on the go, and also share budgets with others.

The basic version of the app is free. Or you can subscribe to the Premium version ($10 a month or $80 annually) for unlimited envelopes and accounts and the ability to sync up to five devices, and access up to seven years of your transaction history.

You’ll receive in-app reports on your budgeting progress.

While the free-to-use Good Budget app does not link to your bank account, Premium users can access this feature if they choose, allowing them to keep track of transactions automatically.

Goodbudget’s website lists its pricing in US dollars. Use our currency calculator to convert pound sterling.

The free Spending Tracker app keeps budgeting simple.

You can manually enter your income and list your expenditure, which you can group however you wish, for clarity on where your money is going and where you are spending most.

This app tracks your money weekly, monthly or yearly, through reports and interactive charts. It also shows your spending history. You can set your budgeting goals and carry over remaining budget to the next period.

You can also repeat transactions on a daily, weekly or monthly-basis, and export your spending report as a CSV file.

For a £2.99 upgrade to the Pro version of the app, you can also  export transactions to create a PDF file version of your data, and sync data automatically across multiple devices.

This app offers a daily calculation to keep you on track with your budget.

It also allows you to plan and save for big expenses. It only requires that you enter your income, expenses and your savings goal i.e. 10% (of your income). The free basic version of the app categorises your outgoings, and backs up your data.

Upgrade to the Pro subscription for a one-off payment of $11.99, and you will be able to add more categories to your outgoings and customise them, receive spending analysis graphs, share your budget with others via Dropbox and export a CSV file version of your data.

Daily Budget’s website lists its pricing in US dollars. Use our currency calculator to convert pound sterling.

Monefy aims to break down your expenses in a simple, intuitive, and understandable way, so you can identify your spending habits and find areas to save.

You can keep track of your outgoings by selecting the default categories laid out for you in a chart, and add the amount spent or paid out. If required, you can also add custom categories.

The app has an in-built calculator to help edit budgets quickly, and your data is synchronised to your Google Drive or Dropbox account.

For access to all Monefy features, however, you’ll have to subscribe to Monefy Premium for $59.99 per year.

These include custom categories, recurring expenses and the ability to sync between multiple devices.

Monefy’s website lists its pricing in US dollars. Use our currency calculator to convert pound sterling.

Unlike most budgeting apps, Fudget can be installed on any device, including Macs and Windows PCs. It provides an alternative to feature-heavy apps that help with multiple aspects of your finances.

This app is a budgeting-only tool that allows you to make and edit lists of all income and outgoings and keep track of your balance.

The free account allows you to create up to five budgets, and for £19.99 per year, you can upgrade to the Pro version which includes unlimited budgets, and the option to export the data to a spreadsheet.