Toshl is described as 'Easy to use mobile expense tracker who saves to cloud and has amazing graphs and charts. Exports to CSV, Excel, PDF, Google Docs and even sends e-mail reports. Iphone, Symbian, Android, Nokia Maemo, Blackberry, Windows Phone 7 phone apps available' and is a Budget Manager in the business & commerce category. There are more than 100 alternatives to Toshl for a variety of platforms, including Android, iPhone, Web-based, iPad and Windows apps. The best Toshl alternative is HomeBank, which is both free and Open Source. Other great apps like Toshl are MoneyManager Ex, You Need A Budget, MoneyTool and Recurring Expense Tracker.
Pengo is a local-first personal finance app. Everything runs on your device: there is no server, no account, and no tracking. Your financial history is stored in a single AES-256 encrypted database file that only you can open.
Czechia
EU
An AI-powered alternative to manual budgeting apps that automatically tracks spending, finds savings, and provides personalized financial insights.
CashBase helps you track your personal finances, providing a clear overview of income and expenses.
SmartAmount let you track and plan your expenses, graphically showing you future money availability
Offline-first personal finance app that coaches you on your existing finances – no accounts, no tracking, no subscription.
Switzerland
Mvelopes offers a variety of money management tools including products that will allow you to keep better track of your personal budget, and give you more accessibility with online budget programs. There is a 10% off promo code of "10off" and they offer a 14 day trial.
United States
CashLeakLogger is a simple, privacy-first expense tracker that works fully offline — no account required, no cloud sync by default. Log expenses manually, by voice, or by scanning receipts with on-device OCR.
PolandEU
Budgix is a completely free budgeting and expense-tracking app for macOS, built for people who want full control of their money — without a subscription, an account, or their data in the cloud.
United States
A simple personal accounting app designed to make it easy to keep track of your income and expenses on your Android device.
Forecast your balance before every payday up to two years ahead, reads any receipts and statements without a bank login and spit shared bills across 150+ currencies.
Canada
Track your spending, save more, and crush your goals with Cleo – the AI making money effortless. Trusted by 2.5 million users, Cleo helps you money like a boss with powerful tools and cutting-edge tech. Want to know what you can spend on dinner? Need $100 to get to payday?
United Kingdom
