Best Pennies Alternatives in 2026
Updated
20 platforms from personal finance software ranked against Pennies on the same published basis.
- 1Pennies vs PocketSmith
- 2Pennies vs YNAB
- 3Pennies vs SoFi
- 4Pennies vs MoneyPatrol
- 5Pennies vs GnuCash
- 6Pennies vs EveryDollar
- 7Pennies vs Rocket Money
- 8Pennies vs Zaim
- 9Pennies vs ClearCheckbook
- 10Pennies vs TimelyBills
- 11Pennies vs Actual Budget
- 12Pennies vs Money Manager Ex
- 13Pennies vs Emma
- 14Pennies vs Talvo
- 15Pennies vs Fireball
- 16Pennies vs WeMoney
- 17Pennies vs Splitwise
- 18Pennies vs Quicken
- 19Pennies vs PocketGuard
- 20Pennies vs Finlynq
Pennies alternatives compared
| # | Platform | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | PocketSmith | 8.9 | Free plan | $9.99/mo | Android, API, iOS, Linux, Mac, Web, Windows |
| 2 | YNAB | 8.4 | No | $9.08/mo | Android, API, iOS, Web |
| 3 | SoFi | 7.6 | Free plan | Android, iOS, Mac, Web, Windows | |
| 4 | MoneyPatrol | 7.4 | Free plan | $1.67/mo | Linux, Mac, Windows |
| 5 | GnuCash | 7.3 | Free plan | Free | Linux, Mac, Windows |
| 6 | EveryDollar | 7.3 | Free plan | $17.99/mo | Web, iOS, Android |
| 7 | Rocket Money | 7.2 | Free plan | Free | Web, iOS, Android |
| 8 | Zaim | 7.2 | Free plan | Free | Web, iOS, Android |
| 9 | ClearCheckbook | 7.2 | Free plan | $2.49/mo | Web, iOS, Android |
| 10 | TimelyBills | 7.2 | Free plan | $2.08/mo | iOS, Android |
| 11 | Actual Budget | 7.1 | Free plan | Free | Web, Windows, Mac, Linux |
| 12 | Money Manager Ex | 7.1 | Free plan | Free | Windows, Mac, Linux, iOS, Android |
| 13 | Emma | 7.1 | Free plan | £4.99/mo | Web, iOS, Android |
| 14 | Talvo | 7.0 | Free plan | €6/mo | Web, iOS, Android |
| 15 | Fireball | 7.0 | Free plan | NZD 10.99/mo | Web, iOS, Android |
| 16 | WeMoney | 7.0 | Free plan | $9.99/mo | Web, iOS, Android |
| 17 | Splitwise | 7.0 | Free plan | Free | Android, API, iOS, Web |
| 18 | Quicken | 6.9 | No | $3.99/mo | Mac, Web, Windows |
| 19 | PocketGuard | 6.9 | $6.25/mo | Web, iOS, Android | |
| 20 | Finlynq | 6.9 | Free plan | Free | Web, iOS, Android |
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Questions about Pennies alternatives
What is the best alternative to Pennies?
PocketSmith, number 1 in personal finance software with a score of 8.9 out of 10. The others here: YNAB, SoFi, MoneyPatrol and 16 more.
What is the best free alternative to Pennies?
PocketSmith is the best-ranked alternative with a free plan. 17 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked on what each maker publishes, open and connectable first: a public API, open-source code, the depth of its documentation and a free tier to try it on. Model lists are sorted by the figure in their title, exactly as each provider publishes it.