# 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 fictional details without personal identifiers; have a qualified financial professional review decisions.Use Cleo to budget my money.

Start cost: [See pricing ↗](https://web.meetcleo.com/)

#1 · Our pick for your task

## Cleo

Why it fits: Helps with see where your money went this week.

Watch out for: Free-tier usage limits apply.

Cost: [See pricing ↗](https://web.meetcleo.com/)

## 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.

[See pricing ↗](https://www.monarch.com/)

[Open Monarch](/go/monarch?from=%2Ft%2Fbudget-my-money)

#### Rocket Money

Rocket Money is another option for reviewing recurring charges and building a spending plan; check its account support and permissions.

[See pricing ↗](https://www.rocketmoney.com/)

[Open Rocket Money](/go/rocket-money?from=%2Ft%2Fbudget-my-money)

Prices not recorded

## Compare tools for this task

### Matched to this task

| Tool | Best for | Price | Free tier |
| --- | --- | --- | --- |
| [Cleo](/tools/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](/tools/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](/tools/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.

## Keep going

[Next step

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