Budget apps for iPhone 2026: an overview
In short: there is no single best app. YNAB suits strict zero-based budgeting, your bank's own app suits a quick look at one bank, a spreadsheet suits people who like to build their own system, and KRONO suits local budget, cash flow and net worth planning. This overview is written by KRONO AS and is not an independent test.
KRONO AS · Updated:
How we grouped them
Criteria: focus, use without a bank connection, data storage and pricing model. Information about other apps comes from public provider information. A feature not mentioned does not mean it is missing. Check current details with each provider.
Who KRONO suits
People who want to know what will be left over in the coming months, want to see assets and debts together and prefer to keep their data on their iPhone.
Who should pick something else
If you want to assign every euro or dollar using the YNAB method, choose YNAB. If you only need to check one bank account, your bank's app may be enough. If you need automatic bank sync outside Germany, KRONO does not offer it today.
Try KRONO next to your current app
KRONO Free is free forever.
KRONO for iPhone (iOS) · Free: €0 · Pro: €6.99 per month or €69.99 per year in euro countries. Prices can differ by App Store country.
Automatic bank connection is currently only available in Germany. Elsewhere you add accounts manually or import transactions from a CSV file.
| Option | Focus | Without bank connection | Pricing model |
|---|---|---|---|
| YNAB | Zero-based budgeting | Manual accounts possible | Subscription after trial |
| Your bank's app | Balances and payments at one bank | Not applicable | Usually included with the account |
| Spreadsheet | Your own system | Yes, everything is manual | Free to paid, depending on software |
| KRONO | Budget, cash flow forecast, net worth | Yes – manual or CSV (bank connection only in Germany) | Free forever; Pro €6.99/month |
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- Net worth app for iPhone: your whole financial picture
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- Financial planning without a provider cloud
- Budget app without bank access: manual accounts and CSV
- Budgeting as a couple or family
- Plan your deposit and budget before buying a home
- Prepare your household budget for parental leave
- Mortgage payments, remaining debt and your budget
- KRONO pricing: Free features and Pro subscriptions
- KRONO vs Finanzguru: planning or connected-account analysis?
- KRONO vs Outbank: banking and financial planning
Frequently asked questions
Which budget app is best?
It depends on what you need. This page groups options by focus rather than ranking them, and it is written by KRONO AS.
Does KRONO sync with my bank?
Only in Germany. In other countries you use manual accounts or CSV import.