GnuCash

GnuCash is a free, open-source accounting application that runs on your computer or phone. It handles checking and savings accounts, credit cards, investments, and loans all in a double-entry bookkeeping system, giving you complete accuracy and control over your finances. You can run reports on spending, net worth, and investment performance, and it supports transactions in multiple currencies without conversion complications.

This is the choice for people comfortable with desktop software and who want full ownership of their financial data. GnuCash has a steeper learning curve than Mint or most mobile apps, but you get complete transparency and no reliance on a company's cloud servers. It's especially popular with people who own businesses or manage complex finances, though it works fine for households that want the power of real accounting software without the price tag.