Mobills

Mobills breaks spending down further than most trackers, past the usual category into subcategories, so food splits into groceries, restaurants, and delivery rather than lumping it all together. Entry can be manual or, where a bank supports it, synced automatically, and the app sends reminders ahead of recurring bills so nothing slips through unnoticed. It’s built by a Brazilian company and has tens of millions of downloads globally, with a user base that includes a meaningful number of US users despite less brand recognition here than Mint or YNAB ever had.

The free tier covers the core tracking and a limited number of budgets, while Mobills Premium, somewhere between $4 and $8 a month depending on the plan and any promotion running, adds unlimited budgets, more detailed reports, and an ad-free experience. It fits people who find a single food category too vague and want their spending data broken down further without building a full envelope system. Anyone looking for deep US-specific features like a credit score or investment tracking will find those better served elsewhere on this list.