Alternatives to YAFFA
YAFFA: A personal finance app you host yourself to track spending, plan budgets and follow investments without linking a bank. Here are 20 other products that do a similar job. Of these, 12 have a free plan, 3 sell for a one-off price, 2 carry proof such as verified revenue, update history or uptime.
- Clear Balance
Tracks your debts and compares snowball and avalanche payoff plans for UK users, without linking a bank account.
Free plan · Money and budgeting · Individuals and families
- EMOH Pay
A budgeting app for Canadians that tracks spending, net worth and GST/HST, with shared budgets for families.
Free plan · Money and budgeting · Individuals and families
- AceMoney
Personal finance ledger for Windows, Mac and Linux with budgets and reports, plus a phone app for receipts.
Free plan · Money and budgeting · Individuals and families
- Bilancio Money
Links your bank accounts, builds a budget from past spending and shows plainly whether this month is on plan.
Subscription · Money and budgeting · Individuals and families
- Billroo
A budgeting app for Australians that pulls in bank transactions, sorts spending and tracks net worth.
Subscription · Money and budgeting · Individuals and families
- Buddy
A budgeting app for phones where you plan budgets, log spending and share a budget with a partner or roommate.
Since 2014Updated 21 days ago
Free trial · Money and budgeting · Individuals and families
- Budget44
Free phone app for tracking your own spending, bills, budgets and savings goals, with data kept on the device.
Free · Money and budgeting · Individuals and families
- Cadence Money
A budgeting app for Canadians and Americans that tracks spending, net worth, savings goals and investments across a household.
Since 2026
Subscription · Money and budgeting · Individuals and families
- CashLens
Log spending fast on iPhone or iPad and see what is left in each budget, with data kept on the device.
Free plan · Money and budgeting · Individuals and families
- DueBy
Reminds you before bills and trial endings, tracks loans and shows spare cash until payday, plus invoices for the self-employed.
Subscription · Money and budgeting · Individuals and families
- Expenses
Track spending and income in sheets with receipts and several currencies on Mac, iPhone and iPad.
Since 2020Updated 10 days ago
Free plan · Money and budgeting · Individuals and families
- Flow
A free, open-source expense tracker that works offline and keeps your data on your phone, with iCloud backup.
Free · Money and budgeting · Individuals and families
- Kesef
Expense tracker for people in Latin America that logs Mercado Pago and Apple Pay payments itself and splits costs with others.
Free plan · Money and budgeting · Individuals and families
- MoneyLog
Tracks income and expenses on your phone with charts, keeping all financial data on the device.
Free plan · Money and budgeting · Individuals and families
- Organizze
Personal finance app for people in Brazil that pulls in bank transactions and tracks spending, bills and cards.
Free trial · Money and budgeting · Individuals and families
- Spendify
Links your accounts, tracks budgets and bills, and works out a debt payoff plan with a projected debt free date.
Subscription · Money and budgeting · Individuals and families
- Splitify
Private app for splitting costs with friends where no one needs an account, with any currency, recurring bills and offline use.
Free · Money and budgeting · Individuals and families
- TaxMile
Freelancers and gig drivers record trips with one tap and export a tax-ready mileage log kept only on their iPhone.
Free plan · Bookkeeping and accounting · Individuals and families
- Self Employed: Income & Tax
Apple app for freelancers and contractors to log income, expenses, mileage and estimated taxes and make PDF pay stubs.
One-off payment · Bookkeeping and accounting · Freelancers
- Spndle
An iPhone app for sole traders and freelancers to snap receipts, log mileage and sort costs into US Schedule C categories.
Free plan · Bookkeeping and accounting · Freelancers