Best Toshl Finance Alternatives in 2026
8 alternatives to Toshl Finance 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 | 4 €/mo | Individuals or couples who want a low-effort, flexible way to track spending, mo | Compare vs Toshl Finance → | |
| Monefy | 76 | Free | ✓ | Individuals who want a no-frills, fast, and visual expense tracker on their phon | Compare vs Toshl Finance → |
| Plum | 72 | Free | ✓ | UK residents who want a low-effort, automated way to save spare cash and invest | Compare vs Toshl Finance → |
| Emma | 71 | Free | ✓ | UK-based individuals who want a user-friendly app to track subscriptions, get ca | Compare vs Toshl Finance → |
| MoneyWiz | 66 | Free | ✓ | Privacy-conscious budgeters who want a one-time purchase, multi-currency support | Compare vs Toshl Finance → |
| Wallet by BudgetBakers | 61 | Free | ✓ | Budget-conscious individuals and families in Europe, especially those with multi | Compare vs Toshl Finance → |
| YNAB | 57 | 14 €/mo | YNAB is ideal for individuals or couples who are committed to hands-on, proactiv | Compare vs Toshl Finance → | |
| Lunch Money | 54 | 9 €/mo | Tech-savvy budgeters who want deep control, automation through rules, multi-curr | Compare vs Toshl Finance → |
Which Alternative Should You Choose?
Best for: Individuals or couples who want a low-effort, flexible way to track spending, mo
⚖️ Toshl Finance vs Simplifi by Quicken →
Best for: Individuals who want a no-frills, fast, and visual expense tracker on their phon
⚖️ Toshl Finance vs Monefy →
Best for: UK residents who want a low-effort, automated way to save spare cash and invest
⚖️ Toshl Finance vs Plum →
Best for: UK-based individuals who want a user-friendly app to track subscriptions, get ca
⚖️ Toshl Finance vs Emma →❓ Frequently Asked Questions
Is Toshl really free to use?
Yes, Toshl has a free tier that allows basic expense tracking, but many features like bank sync, budgets, and multi-currency are locked behind the Medallion subscription. You can use the free version indefinitely, but it's quite limited.
What is the Medallion subscription cost?
Toshl's Medallion plan is a subscription that costs around $2.99 per month or $19.99 per year, though prices may vary depending on promotions and platform (iOS/Android/web). It unlocks features like bank sync, budgets, tags, and multiple accounts.