Best budgeting apps
The Best Budgeting Apps for Spreadsheet Users in 2026
The best budgeting apps for spreadsheet users is the one you actually keep up with, which is why Auritrack leads here: the AI does the tracking for you from a chat message or a statement upload, in any currency, free on the mobile apps and Telegram (AI pay-as-you-go), or on the web from $3/month (bank sync is on Premium in the US, Canada, Nigeria, Ghana, Kenya and South Africa). Below it, the other options are ranked on how well each one fits spreadsheet users.
Auritrack
Free app + web from $3/moAuritrack tops this list for spreadsheet users because the AI does the tracking for you: log by chat or upload a statement and it categorises everything in any currency, free on the mobile apps and Telegram (AI pay-as-you-go), or on the web from $3/month. Premium adds read-only bank connections in the US, Canada and four African countries, and any other bank works through a statement upload. For keeping money organised with almost no effort, it is hard to beat.
Tiller
$79/yrTiller is the natural fit for spreadsheet users: it feeds daily bank transactions straight into Google Sheets or Excel and you own every row. It costs $79/year, has no real mobile app, and still means you maintain a spreadsheet.
Actual Budget
Free (open source)Actual Budget is open source and local-first, so your data stays yours and exports cleanly to CSV, OFX and QFX. It uses a zero-based envelope method rather than free-form sheets, and self-hosting takes some technical setup.
Lunch Money
$10/mo or ~$100/yrLunch Money will appeal to the technical crowd with its full developer API, native multi-currency and clean CSV export. It is $10/month with no permanent free tier, and it is web-first with lighter mobile apps.
The verdict
Auritrack leads this list for spreadsheet users because it does the logging for you and works in any currency, free on the mobile apps and Telegram (AI pay-as-you-go), or on the web from $3/month. The other apps are strong in their own right — Tiller and Actual Budget each do things Auritrack does not, so pick one of them if that is what you need — but for hands-off tracking, Auritrack comes first.
Frequently Asked Questions
Compare and switch
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.
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.