Best free budgeting apps UK 2026. Emma, Monzo and more — apps that connect to your UK bank and actually help you save money.
Budgeting apps now connect directly to your bank, categorise spending automatically, and make it genuinely easy to see where your money goes. Here are the best free options in the UK.
Connects to all your UK accounts, automatically categorises spending, tracks subscriptions, and lets you set budgets. The free version covers everything most people need.
Not just a budgeting app — a full bank account with budgeting included. Spending categories, savings pots, instant notifications, bill splitting. Free to open.
Free app connecting to all your accounts with detailed spending reports. Good for people who want more data and charts.
Start with Emma — it works with your existing bank so you don’t need to change anything. Once you’ve seen where your money goes, decide whether to switch to something like Monzo.
Connect all your accounts, track spending automatically, spot forgotten subscriptions.
Download Emma Free →Open Banking provides read-only access. Apps cannot move your money.