Bank syncing vs file import vs manual entryīudgeting software is useless without income, expense and other financial data. Not all paid apps have all these features, and some offer a few in their free version. Some budgeting apps also forecast how much money you'll spend over the next month if you keep going at the same rate. Advanced charts, forecasts and reports: This allows you to track in detail where your money is going.Multi-user collaboration: This feature lets you and a partner or partners access the same budget.Most free apps only let you create and manage one. Create unlimited budgets: This is handy if you have multiple savings goals or want to cut down on spending in specific categories.Most free apps will sync with only one account. Sticking with the one app will be easier for you in the long run. Many paid apps have a free version with fewer features, so you can start free and upgrade later if you need to. See budgeting apps review Paid vs free budgeting apps