Notion

Notion isn’t built specifically for budgeting, it’s a general workspace for notes, tasks, and documents, but its database feature is flexible enough that a large community of users has built budget trackers inside it and shared the templates publicly. A typical one sets up a database of monthly expenses with formula columns that roll spending up by category, alongside a separate table for savings goals with a progress bar tied to how much you’ve put aside.

Individual use is free, and team plans for shared workspaces start around $10 a month, though most people tracking a personal budget never need to pay anything. There’s no automated bank connection, so every transaction gets typed in, which is the tradeoff for a tool this customizable. It suits people who already organize the rest of their life in Notion, journals, project lists, reading notes, and would rather add a budget table to that same workspace than open a separate app.