Best budgeting apps in Europe (2026)

Mint, the app that topped every list for years, shut down in 2024. Its strength was connecting to your bank and categorising transactions for you, and it worked because in the US most banks sit behind the same aggregator.

Europe does not work like that. There are thousands of institutions, the connection runs through PSD2 and coverage is patchy: an app may read your main bank and miss the account you opened in another country. If you work abroad, get paid in another currency or hold accounts in two places, that model breaks exactly where you need it most.

Currencies. It is not just the euro. If you live in Poland, Sweden, Denmark, Czechia, Hungary, Romania, Switzerland or the UK, your daily life is not in euros. And if you move, get paid abroad or send money home, you need to see two or three currencies at once without doing the maths yourself.

Language. An app in English is usable, but it is used less. Categories, alerts and reminders in your own language change how long you stick with it, which is ultimately the only thing that decides whether it works.

Data. The GDPR gives you concrete rights: to know what is stored, to have it deleted, to take it with you. A European app has that sorted because it has to. A US one may comply, but that is worth checking before you sign up, not after.

Neto. Spanish, for iOS and Android. It works without connecting your bank: you log entries yourself, and in exchange you hand credentials to nobody. It adds up spending, savings, debts and investments (crypto and stocks with live prices) and shows you the net worth that comes out of all of it. It ships in 6 languages and handles 62 currencies, with the total converted to whichever you pick. Free to start. The downside: logging is manual, and if you want the app to fill in every coffee by itself, this is not it.

YNAB. The give-every-euro-a-job method, very well executed. Huge community and plenty of material to learn from. The downside for Europe: it is paid from day one, bank connection outside the US and UK is weak, and the learning curve is real.

Monefy. Extremely fast logging, three taps. Perfect if all you want is to know where the month went. The downside: it runs out of road as soon as you want goal based saving or investments.

Wallet (BudgetBakers). Czech, with bank connection and decent European coverage. The downside: the free tier runs out quickly and the paid plan climbs.

Actual Budget. Open source and you can self host it, which is as private as it gets. The downside: you have to set it up, and that rules a lot of people out.

• If you move between currencies, check first how many the app supports and whether it converts the total. It is the most overlooked part.
• If privacy matters to you, the question is not what the app promises but what it needs in order to work: one that never asks for your bank cannot leak what it does not hold.
• If you have never lasted more than two weeks, pick the fastest to use, not the most complete.
• If you hold investments, check they feed the same number as your spending. One app per thing means two incomplete pictures.

Neto is built from Europe and for Europe: 6 languages, 62 currencies, data under the GDPR and no bank connection at all. More than 13,000 people in 113 countries already use it.

What it does: spending and income by category, budgets, savings goals, debts, crypto and stock investments with live prices, several accounts in several currencies, and your net worth (what you own minus what you owe) with its history.

What it does not: it does not connect to your bank, it does not execute orders, it is not a broker and it gives no investment advice. It is a personal finance app that reads public prices so you can see your picture up to date.