Personal budgeting software inspired by budget-to-zero and the envelope system. Works offline and no signup required.




budgetzero is described as 'Free, open-source, privacy-friendly, offline-first budgeting system' and is a Budget Manager in the business & commerce category. There are more than 100 alternatives to budgetzero for a variety of platforms, including iPhone, Android, Web-based, Mac and Windows apps. The best budgetzero alternative is HomeBank, which is both free and Open Source. Other great apps like budgetzero are MoneyManager Ex, Actual Budget, Dime: Budget & Expense Tracker and Waterfly III.
Personal budgeting software inspired by budget-to-zero and the envelope system. Works offline and no signup required.








Buckwheat is an app that helps you spend money wisely. Writing down each spending sobers the mind and gives you an idea of how much and how you can spend.




A free and open-source personal finance tracker app built with love. Flow offers full control over you data, and works fully offline*.




Finio.live is a simple online financial diary created for anyone who wants to stay in control of their money without annoying ads or overcomplicated features. It’s the perfect choice if you prefer manual transaction entry over automated bank syncing—giving you a much better...




Squirrel is a simple and private expense tracker. It works just as you would expect without overcomplicating your experience. It does not track you in any way and does not send your data anywhere.




MoneyWiz is a finance app for pro-users and beginners, letting you manage money your way. Available on macOS, iOS, and iPadOS, it syncs with 40,000+ banks, works offline, and secures data with 256-bit encryption.




Quicken is a prominent personal finance software in the United States, designed to simplify the management of your financial matters. It provides a comprehensive platform to monitor spending, maintain daily finances, and adhere to a budget.







Ledger is a powerful, double-entry accounting system that is accessed from the UNIX command-line. This may put off some users, since there is no flashy UI, but for those who want unparalleled reporting access to their data there are few alternatives.
Moneybuster is a shared budget manager able to synchronize with IHateMoney and Nextcloud Cospend.




Comprehensive cross-platform personal finance app providing encrypted local data storage, online banking connectivity, bill pay, customizable budgets, investment tracking for various assets, multi-currency support, advanced graphs, payment reminders, and detailed financial reports.



