BeancountRecord double-entry accounts in plain-text files and generate financial reports.
Everything (plain-text double-entry)
Accounting & budgets
Free alternatives to Monarch Money
Find a free app for the parts of Monarch Money you actually use.
Compare the free allowance and limitations on each app’s page. These are workflow alternatives, rather than identical copies.
Free options
Suggest an alternative →Beancount
GnuCashTrack double-entry accounts, income, expenses and small-business books.
Free open-source desktop accounting software.
KMyMoneyTrack accounts, spending, budgets and investments in a local ledger.
Free desktop finance manager · own files and backups
Money Manager ExTrack income, expenses and budgets without a finance subscription.
Free local personal finance · desktop and Android apps
Plan spending with envelope budgets, transaction imports and financial reports.
Free local desktop/manual budgeting; optional sync hosting and bank-connectivity providers can cost extra.
Firefly IIITrack accounts, expenses, income, categories and budgets, with imports and financial reports.
Free self-hosted income, spending and budgets; own server and bank-import services may cost extra.