rabbit.reviews
Best Free Alternative

Buddy

A genuinely free budgeting app that real users stick with long-term. Handles manual entry and bank uploads well, making it a solid no-cost YNAB replacement.

Pros
  • Free to use with no subscription required
  • Supports bank statement uploads for transaction tracking
  • Simple, approachable interface for everyday budgeting
  • Proven by real users over months of consistent use
Cons
  • Smaller community and fewer resources than YNAB or Actual Budget
  • Less feature-rich than premium alternatives
  • Limited advanced reporting or analytics
Why we recommend it

Buddy doesn't get the hype of Monarch or Actual, but it's the pick if you want free and functional without rolling your own spreadsheet.

Reddit user

I like Buddy. I tried other apps including YNAB before but Buddy works best for me and I have been using it for 6 months. It also uploads