Apps similar to MoneyTool include GnuCash, which is free and open source. Other options are Sure, Spliit, HomeBank and Actual Budget. Personal Finance Tools like MoneyTool are a crowded field, with more than 100 alternatives for the web, Android, iPhone, iPad and Windows.
Expensa is an iPhone app for tracking spending and planning budgets without connecting a bank account. Add expenses manually or by voice, import transactions from files, scan receipts, and use an optional Shortcuts automation to log eligible Apple Pay purchases.
Ukraine
Manual personal finance tool with flexible entry options, monthly and categorized tracking, 12-month trend dashboard, detailed debt management, one-off contract entries, partner sharing, purchase comparison tool, reconciliation via import, and privacy-focused hosting in Switzerland.
Finland
EU
A classic envelope budgeting tool with no subscriptions, no bank logins, and built-in expense splitting. Free for life, or $10 once.
Paying for something has never been easier. Logging it hasn't changed in twenty years.
United States
Personal and small-business finance app that sorts your transactions, tracks bills and budgets, and keeps your tax deductions ready.
Australia
MyFi is a personal finance app you host yourself. See every account, transaction, recurring charge, and card perk in one single pane of glass, accessible anywhere. You add your Plaid API key and host it yourself.
United States
Xpenses is a personal finance management app for iOS focused on simplicity, privacy, and long-term clarity.
PortugalEU
Splits group expenses equally or custom, receipt scanning with OCR, multi-currency and live rates, debt simplification, itinerary and analytics, real-time notifications, single net balance, QR invites, activity logs, security with Google or Apple sign-in, archived groups.
RomaniaEU
Halcón is a privacy-first personal finance app for people who do not want to connect their bank account to a third party. You download your own bank statement (CSV, Excel or AEB43/Norma 43 for Spanish banks) and upload it.
Personal finance and double-entry bookkeeping app with focus on simplicity. Privacy-first, offline, multilingual (EN/DE/FR). Free to use.
AustriaEU
HippoSplit is a chat-first expense tracker that makes splitting bills as easy as sending a message.
United States
