Apps similar to Toshl include HomeBank, which is free and open source. Other options are MoneyManager Ex, You Need A Budget, MoneyTool and Recurring Expense Tracker. You're spoiled for choice with Personal Finance Tools like Toshl: we list more than 100 alternatives for Android, iPhone, the web, iPad and Windows.
Pengo is a local-first personal finance app. Everything runs on your device: there is no server, no account, and no tracking. Your financial history is stored in a single AES-256 encrypted database file that only you can open.
Czechia
EU
An AI-powered alternative to manual budgeting apps that automatically tracks spending, finds savings, and provides personalized financial insights.
CashBase helps you track your personal finances, providing a clear overview of income and expenses.
SmartAmount let you track and plan your expenses, graphically showing you future money availability
Private finance tracker that encrypts your money on your device and lets you share workspaces and debts with the people you choose.
NetherlandsEU
Offline-first personal finance app that coaches you on your existing finances – no accounts, no tracking, no subscription.
Switzerland
Mvelopes offers a variety of money management tools including products that will allow you to keep better track of your personal budget, and give you more accessibility with online budget programs. There is a 10% off promo code of "10off" and they offer a 14 day trial.
United States
CashLeakLogger is a simple, privacy-first expense tracker that works fully offline — no account required, no cloud sync by default. Log expenses manually, by voice, or by scanning receipts with on-device OCR.
PolandEU
Personal and small-business finance app that sorts your transactions, tracks bills and budgets, and keeps your tax deductions ready.
Australia
Budgix is a completely free budgeting and expense-tracking app for macOS, built for people who want full control of their money — without a subscription, an account, or their data in the cloud.
United States
A simple personal accounting app designed to make it easy to keep track of your income and expenses on your Android device.
