Best Plum Alternatives in 2026
8 alternatives to Plum in Budgeting Apps, ranked by our editorial score. Compare pricing, free tiers, and best-fit guidance side by side.
Top Budgeting Apps Alternatives
| Tool | Score | Starting Price | Free Tier | Best For | |
|---|---|---|---|---|---|
| Simplifi by Quicken | 78 | 92 Kč/mo | Individuals or couples who want a low-effort, flexible way to track spending, mo | Compare vs Plum → | |
| Monefy | 76 | Free | ✓ | Individuals who want a no-frills, fast, and visual expense tracker on their phon | Compare vs Plum → |
| Emma | 71 | Free | ✓ | UK-based individuals who want a user-friendly app to track subscriptions, get ca | Compare vs Plum → |
| MoneyWiz | 66 | Free | ✓ | Privacy-conscious budgeters who want a one-time purchase, multi-currency support | Compare vs Plum → |
| Wallet by BudgetBakers | 61 | Free | ✓ | Budget-conscious individuals and families in Europe, especially those with multi | Compare vs Plum → |
| YNAB | 57 | 345 Kč/mo | YNAB is ideal for individuals or couples who are committed to hands-on, proactiv | Compare vs Plum → | |
| Lunch Money | 54 | 230 Kč/mo | Tech-savvy budgeters who want deep control, automation through rules, multi-curr | Compare vs Plum → | |
| PocketSmith | 52 | 230 Kč/mo | Individuals who want to see a long-term cash flow calendar and 30-year net worth | Compare vs Plum → |
Which Alternative Should You Choose?
Best for: Individuals or couples who want a low-effort, flexible way to track spending, mo
⚖️ Plum vs Simplifi by Quicken →
Best for: Individuals who want a no-frills, fast, and visual expense tracker on their phon
⚖️ Plum vs Monefy →
Best for: UK-based individuals who want a user-friendly app to track subscriptions, get ca
⚖️ Plum vs Emma →Best for: Privacy-conscious budgeters who want a one-time purchase, multi-currency support
⚖️ Plum vs MoneyWiz →❓ Frequently Asked Questions
Is Plum really free to use?
Plum has a genuinely free tier that includes the core auto-saving and budgeting features. However, some advanced features like Plum Ultra, extra interest on savings, and some investment fund options require a paid subscription or separate fees.
How does Plum's bill switching feature work?
Plum compares your current utility, broadband, and insurance bills against the market and switches you to cheaper providers on your behalf. It charges a percentage of the savings it finds, but only if the switch actually reduces your annual bill.