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Money Lover: free bookkeeping and budgets that turn entries into reports
Money Lover is a personal bookkeeping app from the Vietnamese team Finsify. It sorts daily income and spending into wallets, sets budgets with a warning as a limit approaches, and lets a wallet be shared with family. The free version includes one cash wallet.
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Qianji: a Chinese personal bookkeeping app covering spending, budgets and assets
A personal bookkeeping app from a Chinese team, described by its maker as free of ads, splash screens and investment products. It handles income and spending, transfers and repayments, reimbursements, refunds, fees and coupons, and adds statistics, budgets, assets and debts. Data syncs to the cloud once an account exists.
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Monarch Money: bank and investment accounts gathered in one view
A personal finance service that pulls bank, credit card, loan and investment accounts into one picture, with flexible and category based budgeting plus net worth tracking. The core plan runs on an annual subscription, shared views and transaction rules included.
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Xueqiu: a community where people write out their investment reasoning
A service that began in 2010 as an investment discussion community and grew into an online wealth management platform. Users publish articles, comment, run live sessions and keep a watchlist; licensed fund distribution and investor education sit alongside. Web and mobile access, free to read.
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Eastmoney review: quotes, funds and news behind one free login
A finance portal that grew into an app: mainland quotes, funds, futures and global indices in one place, with a busy investor community beside the numbers. Free, and clear about what a tool cannot decide for you.
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Actual Budget: envelope budgeting that keeps the data at home
Budgeting built on envelopes: only money that has actually arrived can be assigned, and overspending means taking from another envelope. Data lives locally, syncing runs through a server you can host yourself, and the whole ledger stays encrypted on it.
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Fantastical 4.2: a calendar you type into, with tasks beside events
Fantastical turns a typed sentence into an event with time, place and reminder, and sentences that start with a task word into dated to-dos. Calendar sets decide what is visible, booking links fill slots, and the whole thing syncs between Mac, Windows and Apple devices.
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Zoho Expense: what the free plan covers, and what the paid ones add
Zoho Expense moves reimbursement from paper to a workflow: staff record and submit, managers approve, finance exports. A free plan covers up to 3 users with receipt recognition, reports and mileage; corporate cards, finer policies and travel booking sit higher up.
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Investing.com: quotes, an economic calendar and portfolios in one place
Investing has published market data since 2007, covering 250 exchanges and more than 300,000 instruments across stocks, indices, currencies, commodities, bonds and derivatives. Quotes, charts, an economic calendar and portfolio tracking are free; deeper analysis sits behind a subscription.
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Expensify: photograph the receipt and most of the expense report writes itself
Expensify turns a phone photo of a receipt into a report that can be submitted at once. The personal tier is free with no cap on scanning, and the team tier adds approvals, reconciliation and accounting sync.
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MoneyWiz 2026: one database for everything you own, free to start and synced everywhere
The hard part of money software is seeing all of it at once, and MoneyWiz puts bank and card accounts, loans, savings, investments and crypto into a single database with automatic currency conversion. Budgets, bills and forecasts sit alongside, transactions can be entered by hand or pulled from banks, and the free tier covers the core without account limits.
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rotki: the asset ledger that stays on your own machine
An open source ledger for holdings that keeps everything on your own computer: positions across exchanges and chains are gathered into one view, chain activity is turned into readable events, and four costing methods produce a profit and loss report. Data lives in an encrypted database on the machine, nothing is uploaded.
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Ghostfolio pulls every brokerage, wallet and bank balance onto one dashboard you host yourself
A privacy first dashboard that folds stocks, ETFs, crypto and cash into a single net worth curve, with allocation, performance and benchmark views, spreadsheet import and a self-hosted option. Current release 3.71.
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Notion Calendar: a free calendar run from the keyboard, with workspace tasks dropped into time blocks
A calendar that began life as Cron, was taken over and renamed in 2024, and stays free for individuals. A command bar and shortcuts do the arranging, workspace tasks can be dragged into a time slot, and several accounts share one timeline.
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