Buxfer

Buxfer has quietly outlasted a lot of budgeting apps that launched after it, having been online since 2007. The free Basic plan is unusually capable for a no-cost tier: it supports manual transaction entry, tracks IOUs between people (handy for splitting a shared expense or tracking a loan to a friend), and handles multiple currencies, which matters for households dealing with money outside the US dollar.

Stepping up to a paid plan, somewhere between $1.99 and $4.99 a month, adds automatic bank syncing through Plaid along with category budgets and basic investment tracking. The interface looks dated next to newer apps like Monarch or Copilot, and it doesn’t have the same polish, but the underlying feature set covers a similar range at a noticeably lower price. It suits budget-conscious users who don’t mind a plainer design, plus anyone who specifically needs the multi-currency or IOU-tracking features that most US-focused apps skip entirely.