Frollo (Free) Frollo is one of those finance apps that doesn’t try to overwhelm with features but instead focuses on the basics: keeping everyday spending visible. Once a bank account is linked through Open Banking, the app quietly gathers transactions in the background. There’s no need to sit down every evening and type things into a spreadsheet — coffee purchases, rent, or utility bills all appear on their own. For many households, that shift alone makes budgeting less of a chore. Everyday use

Money Dashboard Neon Money Dashboard Neon is the newer version of the well-known UK budgeting app. Built for phones first, it connects directly to bank accounts through Open Banking and pulls transactions into one dashboard. Unlike the older “Classic” edition, Neon focuses on a simple design and fast syncing, which makes it easier to see the big picture of personal finances. Everyday use

Buxfer (Free) Buxfer (Free) is the starter version of a long-running online finance service. It doesn’t try to be a full accounting suite but gives enough tools for personal use: setting budgets, tracking expenses, and keeping an eye on bills. The platform runs in a browser and has mobile apps, so information follows the user everywhere. Everyday use

GoodBudget GoodBudget is a modern take on the old envelope budgeting method. Instead of stuffing cash into physical envelopes, money is divided into digital ones that live on your phone or in a browser. The idea is the same — give every dollar a purpose — but now it works with cloud sync so that a whole household can follow the same budget from different devices. Everyday use

Zoho Books Free Plan Zoho Books Free Plan is the entry-level edition of Zoho’s cloud-based accounting platform. While the full service is aimed at businesses, the free plan is available for very small companies, freelancers, and individuals who want professional tools without paying a subscription. It offers invoicing, expense tracking, and reporting features, all running inside a modern web interface. Everyday use

Wave Accounting Wave Accounting is a free online service built with freelancers and very small businesses in mind. It doesn’t try to act like a full corporate suite — instead, it sticks to the basics: sending invoices, recording expenses, and producing clear reports. Everything runs in the browser, with mobile apps available, so there’s no need for installation or maintenance. Everyday use