Personal Capital (by Empower) offers a robust suite for wealth tracking, budgeting, and retirement planning. If you're looking for free budgeting tools that provide similar insights without a paid subscription, the following 20 alternatives cover everything from simple envelope‑style trackers to open‑source desktop apps and self‑hosted platforms.
Get targeted exposure with custom position pinning and highlighted placement.
Intuitive web and mobile app that aggregates bank accounts, credit cards, and bills to auto‑categorize transactions and create budgets.
Envelope‑budgeting system with a clean web interface and mobile apps; syncs across devices for shared household budgeting.
Free tier shows “In My Pocket” after bills and savings goals, with simple budgeting categories and spending alerts.
Expense tracker that lets you photograph receipts, set budgets, and view visual spending reports on iOS and Android.
Dave Ramsey’s zero‑based budgeting tool; free version offers manual transaction entry and basic budget templates.
Open‑source desktop app (Windows, macOS, Linux) for tracking income, expenses, and budgets with customizable reports.
Free, double‑entry accounting software suitable for personal finance; supports budgeting, scheduled transactions, and multi‑currency.
Simple, cross‑platform budgeting program aimed at beginners; offers charts, reports, and CSV import/export.
Desktop‑focused budgeting tool with powerful filtering, graphs, and automatic transaction import from many banks.
Self‑hosted, open‑source personal finance manager; provides budgeting, asset tracking, and detailed analytics via a web UI.
Web‑based envelope budgeting system; free tier includes unlimited envelopes and basic reporting.
Online budgeting platform with visual charts, goal tracking, and a community‑driven template library.
Mobile‑first expense manager with budget categories, bill reminders, and multi‑currency support.
Free tier offers basic budgeting, expense categorization, and playful visualizations on web and mobile.
Envelope‑budgeting app with a free plan that includes manual transaction entry and basic envelope tracking.
Lightweight Java‑based desktop app for tracking income, expenses, and budgets without any cloud dependency.
Free budgeting app with automatic bank sync (where supported), visual spending overviews, and goal setting.
Free, customizable budgeting templates (e.g., Tiller‑style) that run in Google Sheets with built‑in charts.
While not permanently free, YNAB offers a 34‑day trial that gives full access to its zero‑based budgeting methodology.
Legacy budgeting tool that imports from Quicken/Mint; free tier provides basic budgeting and transaction tracking.