Budget my money
Bottom line
Cleo is our pick for budget my money. Free plan available. Catch: we haven't hand-tested it for this task.
- Best overall
- Cleo
- Best on your phone
- Rocket Money
Use Cleo to budget my money.
- Start cost
- See pricing ↗
ⓘ How we picked this
Basis Matched to catalog uses, then popularity. Basis: catalog order, not hands-on testing. Phone support: catalog claims.
Tested No hands-on test record.
Money Sponsors never change your pick. We may earn affiliate fees.
DisclosureCleo
Why it fits: Helps with see where your money went this week.
Watch out for: Free-tier usage limits apply.
Cost: See pricing ↗
Your task, in 3 steps
List income and irregular bills
Write down take-home pay, rent, utilities and the annual car insurance payment; use totals rather than account login details.
Compare spending with your statements
Set up spending categories from a sample month. If connecting accounts, review the permissions first; compare imported totals with your statements.
Use in: Monarch
Group monthly spending into essentials, optional costs and savings using rounded amounts.
Adjust the plan using actual receipts
Compare the planned grocery amount with the last four receipts and leave room for the insurance bill before setting a weekly spending limit.
Compare alternatives
Monarch
Set up spending categories from a sample month. If connecting accounts, review the permissions first; compare imported totals with your.
Open MonarchI have thisI tried this
Rocket Money
Rocket Money is another option for reviewing recurring charges and building a spending plan; check its account support and permissions.
Open Rocket MoneyI have thisI tried thisPrices not recorded
Compare tools for this task
Matched to this task
| Tool | Best for | Price | Free tier |
|---|---|---|---|
| Cleo | Pick this if you need a tool that helps with see where your money went this week. | Price not recorded | Yes · limits apply |
| Monarch | Set up spending categories from a sample month. If connecting accounts, review the permissions first; compare imported totals with your. | Price not recorded | No |
| Rocket Money | Rocket Money is another option for reviewing recurring charges and building a spending plan; check its account support and permissions. | Price not recorded | Yes · limits apply |
What we didn’t pick
Shown when a same-category catalog tool was considered and not picked.
- Monarch: No free plan; Cleo has a free plan.
- Rocket Money: Catalog use: lower my internet bill; Cleo is the editorial pick for this task.
Fewer than three other candidates have catalog evidence; we do not add unrelated tools.