The personal finance tracker app that actually sticks.

A personal finance tracker app is a tool for logging your income, expenses, accounts, budgets, and net worth in one place. The good ones surface patterns — recurring subscriptions you forgot about, categories that are quietly bleeding you, months where you spent more than you earned. BaseRebuild is a free personal finance tracker app with multi-account support, monthly budgets, subscription tracking, and AI-powered monthly insights.

Yes — forever. The free plan includes 2 accounts, 100 transactions per month, monthly budgets, and a full transaction history. No credit card, no ads, no data sales. Pro ($59/year) unlocks unlimited accounts and transactions, the subscription tracker, AI monthly insights, multi-currency, and full CSV export.

The best personal finance tracker app in 2026 is the one you actually open every week. Mint shut down in 2024. YNAB is excellent at zero-based budgeting but costs $109/year and has a steep learning curve. Money Manager is paid and single-platform. BaseRebuild gives you a Mint-style dashboard with cross-platform access, an honest free tier, and Pro at half YNAB's price — plus a connected dashboard that ties money to habits, focus and fitness in one place.

Not yet — and that's a deliberate choice. Bank-syncing aggregators (Plaid, Yodlee) charge per-user fees that force apps to either monetise your data or charge $100+/year to break even. BaseRebuild stays cheap and ad-free by using fast manual entry: most users add a transaction in under three seconds. Optional Plaid sync is on the roadmap as an opt-in Pro upgrade — your data stays your own either way.

Yes. BaseRebuild is a fully responsive web app that installs as a PWA on iPhone, Android, tablet, and desktop. You get an icon on your home screen, full offline transaction entry that syncs when you reconnect, and the same dashboard on every device.

Yes. Each account has its own currency (USD, EUR, GBP, CAD, AUD, JPY and 30+ others). The dashboard shows individual account totals in their native currency, and your net worth is rolled up to your home currency at live exchange rates. Available on Pro.

Yes. The subscription tracker logs every recurring charge with billing cycle, next renewal date, and a yearly cost summary so you can see exactly how much your subscriptions cost per year. The renewal timeline highlights the ones you can probably cancel today.

Mint shut down in March 2024 — those users need a new home. YNAB is the gold standard for zero-based budgeting but costs $109/year and forces every dollar into a job. Money Manager is solid but paid-only and locked to one platform. BaseRebuild is faster than YNAB to set up, cross-platform like Mint, has an honest free plan that's actually usable, and Pro is $59/year — roughly half YNAB's price.

Yes. BaseRebuild is encrypted at rest and in transit. We don't sell data, we don't run ads, and we don't pass your transactions to third-party advertisers (unlike Mint did). You can export everything as CSV and delete your account in one click from settings.

Yes. CSV import accepts the standard Mint export format, the YNAB transaction export, and any tool that exports rows of date, payee, category, and amount. Coming-from-Mint flows are first-class — most users are fully migrated in under 15 minutes.