Top 37 Personal Budgeting Tools — May 2026

Choosing personal budgeting tools is awkward because the category mixes full personal finance managers, subscription trackers, portfolio tools, and smaller self-hosted apps. For May 2026, this section uses the supplied ToolVitals dataset for Personal Budgeting Tools, including health score, shipping score, GitHub stars, ToolVitals score, and status for 37 ranked tools.

The ranking is ordered by ToolVitals score descending, with GitHub stars used as the secondary popularity signal when scores are tied. That means tools with the same ToolVitals score can move up or down based on public GitHub adoption, while lower-scoring tools with many stars still rank below healthier or more actively shipping projects.

Rankings

Rank	Tool	Health	Shipping	GitHub Stars	Score	Status
1	Actual Budget	92	88	26361	90	🟢 Excellent
2	Firefly III	95	100	23197	90	🟢 Excellent
3	Ghostfolio	92	100	8388	90	🟢 Excellent
4	Securo	89	100	569	90	🟢 Excellent
5	Wallos	84	88	7857	86	🟢 Excellent
6	OpenUsage	92	100	2312	86	🟢 Excellent
7	Whisper Money	89	100	354	86	🟢 Excellent
8	Caspion	86	88	255	86	🟢 Excellent
9	Eclosion	86	81	10	84	🟢 Excellent
10	Folio	81	88	3	84	🟢 Excellent
11	Ray Finance	84	80	199	82	🟢 Excellent
12	Canutin	76	80	67	78	🟢 Good
13	Sumurai	70	100	33	78	🟢 Good
14	Treeline	77	80	7	78	🟢 Good
15	Rotki	88	62	3835	76	🟢 Good
16	Bill Organizer	72	72	3	72	🟢 Good
17	mirobody	77	55	1039	67	🟢 Good
18	Expense Budget Tracker	70	47	9	60	🟢 Good
19	GoCost	46	28	68	38	🔴 Needs Attention
20	Financial Freedom	67	0	2856	37	🔴 Needs Attention
21	zerro	68	0	267	37	🔴 Needs Attention
22	SpendTrail	68	0	4	37	🔴 Needs Attention
23	FinTrack	68	0	2	37	🔴 Needs Attention
24	Housebills	68	0	0	37	🔴 Needs Attention
25	financial_control	68	0	0	37	🔴 Needs Attention
26	Lake	65	0	20	36	🔴 Needs Attention
27	IgniDash	64	0	246	35	🔴 Needs Attention
28	BFlow Backend	64	0	4	35	🔴 Needs Attention
29	EffettoComposto	64	0	2	35	🔴 Needs Attention
30	Suprascribe	64	0	2	35	🔴 Needs Attention
31	Bonsai	58	0	0	32	🔴 Needs Attention
32	Cashew	55	0	4319	30	🔴 Needs Attention
33	Hisabi	45	0	448	25	🔴 Needs Attention
34	Maybe Finance	39	0	54111	21	🔴 Needs Attention
35	Paisa	39	0	3153	21	🔴 Needs Attention
36	Economizzer	33	0	498	18	🔴 Needs Attention
37	CurioPay	32	0	26	18	🔴 Needs Attention

Top 3 Highlights

Actual Budget ranks first with a ToolVitals score of 90, a health score of 92, a shipping score of 88, and 26,361 GitHub stars. It edges out the other 90-score tools because GitHub stars are used as the tie-breaker, and it has the largest star count among Actual Budget, Firefly III, Ghostfolio, and Securo. Its description points to a local-first personal finance app, making it one of the clearest fits for general personal budgeting in the dataset.

Firefly III ranks second with the same ToolVitals score as the leader at 90, plus the strongest shipping score in the top group at 100. Its health score is 95 and it has 23,197 GitHub stars, so it combines high project health, active shipping, and broad public adoption. The supplied description positions it directly as a personal finances manager.

Ghostfolio ranks third with a ToolVitals score of 90, a health score of 92, and a shipping score of 100. Its 8,388 GitHub stars are lower than Actual Budget and Firefly III, but still well ahead of most tools in the list. The description frames it more as wealth management software than day-to-day budgeting, so it appears strongest for users whose personal finance workflow includes portfolio tracking and broader wealth management.

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