Budgeting
4 mins
The 5 BEST Affordable Budget Apps in Canada for 2024
Author
Krista Fabbro
Published
Feb 6, 2025
Keeping track of money isn't always easy. With the Mint budgeting app leaving Canada, many of us are looking for new ways to manage our cash.
Luckily, there are still great, affordable apps out there to help you budget. Whether you're trying to save up, pay off debt, or just know where your money's going, these apps can make it simpler.
We've rounded up five of the best budget apps in Canada, all available on Google Play and the Apple App Store. They're easy to use, won't cost you much, and can help you keep your finances on track.
1. Neontra
Neontra is designed to simplify financial management for individuals and families. It’s a Canadian-made crowd favourite for its clean interface and focus on helping users build better financial habits.
Key Features
Net worth and cash flow tracking
Personalized insights
Personalized financial calendar
Free saving, payoff, and retirement calculators
Forecasting tools
Health Check to determine financial wellness
Ability to migrate data from Mint
Plan Options
Free basic plan available. Premium features are available starting at $7 USD/month.
2. Spendee
Spendee is great at helping visual learners understand their spending patterns through lots of colourful charts and graphs. Its shared wallet feature also makes it a good choice for couples or families managing finances together.
Key Features
Shared wallets for family budgeting
Detailed financial reports and graphs
Smart budgets and daily spending tracking
Multicurrency capabilities
Customizable budget categories
Alerts and reminders
Automatic transaction categorization
Plan Options
Free version with basic functions available. Premium plans start at $1.99/month.
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3. PocketGuard
PocketGuard aims to streamline financial management and help users save money. It’s particularly useful for those looking to cut unnecessary expenses and find savings opportunities.
Key Features
Bill payment tracker
SMART goal-setting framework
"In My Pocket" shows spendable money
“Debt Payoff Plan” builds personal repayment plan
Identifies potential savings on bills and subscriptions
Anti-fraud tools
Customized spending insights
Plan Options
Plans start at $6.25/month.
4. Honeydue
Honeydue is specifically designed for couples to manage their finances together. It's an excellent option for couples who want to align their financial goals and maintain transparency in their shared expenses.
Key Features
Joint account management
Bill reminders and tracking
Customizable privacy settings
In-app messaging between partners
Supports over 20,000 financial institutions
Plan Options
Completely free to use. No paid tiers.
5. Goodbudget
Have you ever had dedicated envelopes set aside to collect money for specific expenses? Goodbudget is based on that exact envelope budgeting method. It’s fairly scaled-down compared to other apps on this list, but Goodbudget is effective for those who prefer a simpler, more hands-on approach to budgeting.
Key Features
Digital envelope system for budget allocation
Synchronized budgets across devices
Debt tracking and payoff planning
Plan Options
Comprehensive free plan available. Premium plan is $10/month.
These 5 budget-friendly tips will help you save money in Canada.
Budget Your Way to Better Finances
Managing your money doesn't have to be complicated or expensive. Each of these six apps has its strengths, so consider your specific needs when choosing.
At the end of the day, the best budget app in Canada is the one you'll actually use consistently. Start with the free version to see if it fits your needs before committing to a paid plan.
