Best Free Budgeting Apps in the UK (2025)

✅ Find out About the 50/30/20 Budgeting Method Here!

1. Emma

What it does: Connects to over 30 UK banks and financial accounts via Open Banking. Automatically categorises your spending, tracks subscriptions, bills, savings goals, and even monitors your credit score.

Why use it: It’s user-friendly, visually engaging, and ideal for spotting wasteful subscriptions and setting savings targets.

2. Snoop

What it does: Aggregates your bank accounts and credit cards, analyses spending, offers personalised saving tips, flags price hikes, and highlights bill-saving opportunities.

Why use it: Perfect for those who want actionable, money-saving recommendations delivered straight to their phone.

3. Money Dashboard

What it does: UK’s first major personal finance platform. Tracks multiple accounts via Open Banking, categorises expenses, lets you create budgets, transfer between accounts, and view spending trends—including on desktop.

Why use it: Free and highly customisable; great for users who want complete control and deeper financial insights.

4. Plum

What it does: Uses AI to analyse spending and automate saving. Offers smart saving rules like Round Ups and Pay Days, bill switching, investment options, and savings pots.

Why use it: Excellent for hands-off savers who want automation—with optional upgrades for more features.

5. Monzo

What it does: Not just a budgeting app—if you’re a Monzo customer, you get built-in budgeting tools including Pots, spending targets, payday sorting, and category tracking.

Why use it: Seamless experience if you’re already banking with Monzo; integrates budget tools directly into your everyday banking.

6. HyperJar

What it does: A unique app paired with a prepaid Mastercard—lets you create “jars” (e-money buckets) for different spending goals, block specific retailers, and even earn rewards or cashback.

Why use it: Great for visual planners and families teaching kids budgeting habits. Just note: funds aren’t FSCS-protected (they’re safeguarded under e-money regulations).

Community Input: What Real Users Say

“I’ve been using Money Manager – Expenses Tracker … it’s honestly one of the best budgeting apps I’ve come across … no annoying ads … helps you set financial goals and track progress.”

“Monzo has great budgeting features… create pots to move money aside for bills and stay safe… Revolut… budget section… Pockets for keeping money aside… interest-paying savings vaults.”

✅ Find Out How to Use AI to Help You Budget Here!