The Best Budgeting Apps in Europe for 2026
Most best-of lists are written for the US, and half the apps on them do not work in euros or cannot see a European bank account. This list only includes apps that are available in Europe, and we ranked them on three things: how they handle the euro and other currencies, how well they connect to European banks, and what they cost. Auritrack is first because it works in any currency without relying on bank coverage in your country, but it does not connect to European banks yet, so the open-banking apps below suit people who want automatic feeds.
Auritrack
Free app + web from $3/moAuritrack works in euros, pounds, złoty or any other currency, keeping each one separate with its own totals, and it does not depend on your bank being supported: chat a purchase or upload a statement (PDF, CSV or Excel) and the AI logs and categorizes it. Manual tracking and budgets are free on the mobile apps and Telegram with AI pay-as-you-go, the web app is from $3/month, and it does not connect to UK or European banks yet, so a statement upload is how your bank data gets in.
Get started with AuritrackWallet by BudgetBakers
Free tier; Premium from ~$3.99/moWallet by BudgetBakers is the most complete European-friendly tracker here, with bank sync in many countries, multi-currency accounts, shared household accounts and solid reports. Manual tracking is free, but bank sync and full export need Premium from about $3.99/month, and the app can feel busy.
Wallet by BudgetBakers vs AuritrackLunch Money
$10/mo or ~$100/yrLunch Money has the best multi-currency handling on the list, with 160+ currencies converted at historical rates, bank sync through Plaid, GoCardless and SimpleFIN, and CSV import as a fallback. It is a good fit if you earn or spend in several currencies, but there is no free tier after the 14-day trial and it costs $10/month or about $100/year.
Lunch Money vs AuritrackSpendee
Free + Plus $1.99/moSpendee is a cheap, visual expense tracker built around multi-currency wallets, and shared wallets let a partner join as a free guest. Bank sync only works in supported countries and needs a paid tier, which starts at $1.99/month.
Spendee vs AuritrackToshl Finance
Free tier; Pro from ~$2.99/moToshl Finance covers more than 200 currencies and has flexible budgets with a friendly design. Bank sync is limited to paid tiers in supported regions and the free tier caps budgets and accounts, so most regular users end up on Pro from about $2.99/month.
Toshl Finance vs AuritrackEmma
Free + Plus £4.99/moEmma is strongest in the UK, where its open-banking coverage and subscription detection are excellent, and it is available to European users with multi-currency support. Outside the UK, check that your banks are supported before paying for Plus at £4.99/month, and note that it has no statement import.
Emma vs AuritrackYNAB
$14.99/mo or $109/yrYNAB works in Europe and you can run a budget in euros, with the most disciplined zero-based method on this list. Each budget holds one currency, direct bank import depends on your region, and it costs $109/year with no free tier.
YNAB vs Auritrack
The verdict
For most people in Europe, Auritrack is the easiest place to start, because it handles any currency and does not need your bank to be on a supported list. If you want live bank feeds, Wallet by BudgetBakers has the widest coverage, and Lunch Money is the best choice if you manage money across several currencies. Spendee and Toshl are good low-cost options, Emma is best if you bank in the UK, and YNAB is worth paying for only if you want its strict method.
Or get it free on the App Store, Google Play or Telegram.
Let AI do the tracking
Auritrack does the bookkeeping for you. Connect your bank on Premium ($20/month) in the US, Canada, Nigeria, Ghana, Kenya and South Africa, or import a statement from any bank, in any currency. It's free on the mobile apps and Telegram, with AI pay-as-you-go; the web app is from $3/month.
Or get it free on the App Store, Google Play or Telegram.
Rankings reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.
