Budgeting doesn't have to cost a dime. In 2025, there are a growing number of free tools available to help you manage your money, track your spending, and reach your savings goals — all without breaking the bank.
1. Always-Free Budget Tracker
Our very own Budget Tracker is designed for real-life use: calculate your income based on paychecks, organize expenses into custom categories like subscriptions, food, gas, and more, and visualize your spending with a pie chart. Simple, fast, and 100% free.
2. Mint
Mint continues to be a popular tool in 2025 for automatic tracking and syncing with your bank accounts. It's great for detailed reports, but may include ads or upsells for credit monitoring services.
3. Goodbudget
This digital envelope budgeting app is perfect if you want to assign fixed amounts to categories and track manually. The free plan includes 10 envelopes and supports basic planning needs.
4. YNAB's Free Trial
You Need a Budget (YNAB) is a powerhouse, but it's not free long-term. However, their 34-day trial gives you full access to a premium budgeting experience, which might be enough to kickstart your habits.
5. Google Sheets Budget Templates
If you're spreadsheet-savvy, Google Sheets offers free budget templates you can customize. There's no automation, but it's flexible and free forever.
Final Thoughts
No matter your financial goals, there's a free tool out there to help you take control of your money. If you want a no-login, mobile-friendly, easy-to-use budgeting app, try the Always-Free Budget Tracker today.