Work · alternatives · 2026

24 alternatives to Capy Budget

AI-powered budgeting. Local-first, private, plain CSV

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 1 we have checked on their own sites, 1 of them free or with a free tier.

1. 1
   Pulse Local, a Mac budgeting app whose AI models run on your machinefree tier, from $20/mo▲122

   A budgeting app with AI on your own machine. Your ledger and your questions both stay on disk. The models download once, then nothing about you leaves.

   8d ago · pulseos.finance · its alternatives →

2. 2
   A simple FOSS and self-hosted budgeting app▲88

   2020 · github.com · its alternatives →

3. 3
   Trillion▲234

   Simplify finances, budget planner and money tracker with AI

   2024 · apps.apple.com · its alternatives →

4. 4
   Lunch Money 2.0▲327

   Delightfully simple budgeting

   2020 · lunchmoney.app · its alternatives →

5. 5
   AI Powered Daily Budgeting▲11

   Contribute to porkybank/porkybank development by creating an account on GitHub.

   2024 · github.com · its alternatives →

6. 6
   Capitara▲65

   AI-powered Budgeting & Company Performance Analysis

   2024 · its alternatives →

7. 7
   Preso Budget▲107

   Manage your money with a smart budgeting platform

   2025 · presobudget.com · its alternatives →

8. 8
   BudgetZen▲3

   The world's most private AI-powered budgeting app

   Jun 2026 · play.google.com · its alternatives →

9. 9
   Decent Budget▲71

   Personal finance & budgeting application for individuals.

   2019 · decentbudget.com · its alternatives →

10. 10
    BudgetZen▲2

    The world's most private AI-powered budgeting app

    Jun 2026 · play.google.com · its alternatives →

11. 11SB
    Simple Budgeting▲61

    2018 · putz.io · its alternatives →

12. 12
    A JavaScript budgeting app that implements a KNN to make predictions▲46

    A simply budget app that predicts where the expenses are being made - victorqribeiro/budget

    2018 · github.com · its alternatives →

13. 13
    Cash Coach AI▲12

    Your AI-powered personal finance coach

    2025 · cashcoach.ai · its alternatives →

14. 14
    Fine Budget▲2

    AI-powered budgeting, debt tracking, and financial insights

    Jun 2026 · fine-budget.lovable.app · its alternatives →

15. 15
    BudgetPal – AI Budgeting▲3

    Understand your spending without spreadsheets

    Feb 2026 · budgetpal.knailab.com · its alternatives →

16. 16
    SpendKeep▲27

    The Privacy-First Expense Tracker. No Bank Login Required.

    Jul 2026 · spendkeep.com · its alternatives →

17. 17
    Capy: AI Expense Tracker▲3

    Track and categorize your expenses using natural language

    May 2026 · apps.apple.com · its alternatives →

18. 18
    BudgetMe▲6

    AI-Auto Categorizing Your Budget

    Jan 2026 · budgetme.ca · its alternatives →

19. 19
    Budget app▲13

    A new way to manage your expenses

    2021 · kickstarter.com · its alternatives →

20. 20
    SmartBudget▲11

    AI-powered spending summary from your bank statement

    2025 · its alternatives →

21. 21
    Tabby - AI money copilot▲12

    Chat with your expenses and make better financial decisions

    2025 · jointabby.xyz · its alternatives →

22. 22
    BudgetWise AI▲3

    AI Personal finance & secure privacy-first expense tracker

    Jun 2026 · apps.microsoft.com · its alternatives →

23. 23
    Fred — AI-Powered Expense Tracker▲14

    AI-Powered Expense Tracker

    2025 · tryfreddy.netlify.app · its alternatives →

24. 24
    Saveo: Track Money and Budget▲16

    Link your accounts and track budgets with the help of AI.

    2025 · apps.apple.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →