Keeping track of your money and recurring payments is never an easy task. While you can use pen and paper or sticky notes to set reminders or jot down quick expenses for a week, it isn’t the most productive combo in the long run. Here is where software solutions come into play. Whether you want to manage your spending habits and subscriptions, or desire financial peace of mind, these programs offer a range of features and functionalities to get the job done in style.

There are numerous personal finance apps available. We've curated a selection of the top five free and paid options to meet your needs in this important area.

5 Notion

Are you surprised to see Notion on this list? Well, don’t be. While Notion is mostly known for taking notes, managing projects, and making advanced databases, you can use this versatile software for managing personal finances and subscriptions, too. That said, it does come with a learning curve, and you'll need to create an effective database with formulas and reminders.

Thanks to a diverse collection of Notion templates, you don’t need to start from scratch and waste time building databases though. Once you open your Notion workspace, head to the Templates gallery and search for finance and subscription templates. You can add expenses and income streams, check a detailed breakdown via graphs, set reminders, and do a lot more with ease.

If you are a pro Notion user, you could create a database from scratch to meet your needs, too. Whether originating or adapting a tracker, once your ideal database is ready, you can share it with your family members to track expenses simultaneously.

4 Spendee

Notion’s unique method may not be suitable for everyone. If you want a standard program that works out of the box to manage finances and subscriptions, consider Spendee. It’s one of the best apps to track your cash flow from multiple accounts like a pro. You can set recurring payments for your monthly or yearly subscriptions, track budgets, enter notes and labels, assign categories, and more.

With Spendee Premium, you can even connect your local bank or PayPal account to track everything in one place. One of my favorite features is shared wallets. You can create a Home or Travel wallet and share it with others to track overall expenses in real time.

Spendee offers a couple of paid plans – Spendee Plus and Spendee Premium. The former starts at $2 per month and lets you create unlimited wallets and transitions. Spendee Premium unlocks bank connections on your account.

3 Money Coach

Money Coach is the best program to manage your personal finances and subscriptions on a Mac. Yes, you heard it right. The app is only available on Apple platforms like iPhone, iPad, Mac, Apple Watch, and Apple Vision. It’s a beautiful native app for Mac users to create healthy financial habits.

You can set budgets, add transactions, select accounts, categories, payees, attachments, locations, and more. As for your recurring expenses, there is a dedicated Subscription & Bills menu to add and track your monthly or yearly expenses.

Other features include goals for your long-term plans, detailed reports, subscription insights, yearly projections, category insights, net worth, a detailed summary, and more. The individual plan starts at $6 per month to unlock features like advanced export options, the ability to create unlimited budgets, multi-device sync, and more.

2 Toshl

Speaking of the top personal finance apps, how can we leave Toshl out of the list? While it won’t dazzle you with endless features to manage your expenses and subscriptions, it gets the basics right and does the job in no time.

When you add an expense or income, you have ample options like category, tag, account, location, description, attachments, and more. As for your subscriptions, you can set the frequency for monthly expenses and track them efficiently. Other features include the ability to set budgets, detailed graphs, river flow to gain deep insights into your financial data, location view to track your expenses by different places you go, and more.

Toshl Pro plan starts at $3 per month. If you want to unlock bank integration connectivity, upgrade to the Toshl Medici plan at $5 per month.

1 Wallet by Budgetbakers

Wallet by Budgetbakers is my personal favorite for several reasons. First of all, it’s a cross-platform solution with robust apps on Android, iPhone, and the web. It supports both expense tracking and subscription management to help you manage your financial planning.

You can add expenses, set planning payments, budgets, income, and track everything from a neat home page with different widgets. Wallet also supports templates to add in your expenses in just a few clicks. There is an investment account section to track your stocks and ETFs, too.

Wallet mobile apps support automatic rules where you can assign categories and labels and recognize your transfers automatically. With templates and automatic rules, adding and managing your expenses has never been easier on a digital platform.

With Wallet Premium, you can connect with relevant bank accounts, share an account with others, and unlock advanced charts and widgets for your account. The pricing starts at $6.50 per month.

Streamline your financial life

Whether you want to glance over monthly budgets, track expenses, manage subscriptions, skim through investments, or navigate the complexities of personal finances, these software programs do the job without breaking a sweat. The essential step is to identify the programs that align with your needs and preferences and to use them consistently to stay on top of your finances.

Most of these software tools require a paid subscription, though. If you don’t want to sign up for another paid plan, you can use Microsoft Excel to manage your finances. Check out our top free budget and finance templates for Excel to get started.