Christian Budgeting Apps

Biblical Cents

A completely free, Scripture-rooted budgeting app for believers featuring zero-based budgeting, a Proverbs-based financial pathway, debt payoff tools, retirement planning, voice transaction entry, and AI coaching — built as a ministry by financial coach Johnny Thompson. Installable on iPhone and Android as a home-screen web app.

Kingdom Cents

Kingdom Cents is a Christian budgeting app that calculates your tithe first when income arrives, then budgets what remains, with prayer circles, devotionals, and giving reflections alongside.

Grain Ledger

Grain Ledger is a cloud-based fund accounting platform built for churches and ministries — offering true double-entry fund accounting with FASB 117 compliance, donor analytics, budgeting, payroll with tax filings, and GAAP-compliant reporting, now with a free iPhone companion app for mobile transaction review, bills, and payroll self-service. An official Acts 29 finance partner with integrations to Planning Center, Pushpay, OnlineGiving.org, Rock RMS, Subsplash, and Overflow.

Monarch Money

Ad-free, subscription-based personal finance app that gathers household accounts into one dashboard for budgeting, net worth, cash flow, and shared goals. Partners collaborate at no extra cost, the AI Assistant answers questions about your own money, and a Plus tier adds forecasting, business tracking, and deeper investment analysis.

EveryDollar

EveryDollar is Ramsey Solutions' zero-based budgeting app, built around Dave Ramsey's Baby Steps and relaunched in January 2026 with a margin-finding tool, personalized plans, and live coaching. A free plan covers manual budgets with unlimited categories; a premium subscription adds bank sync and coaching on iOS, Android, and the web.

Goodbudget

Goodbudget digitizes the envelope budgeting method for individuals, couples, and families. Allocate funds to virtual envelopes, track spending in real time, and sync budgets across iOS, Android, and the web. Made by Dayspring Technologies, a faith-driven San Francisco Social Purpose Corporation, with a generous free tier and active development including bank sync, pending transaction imports, running balances, and Face ID security on iPhone.

FaithFi - Faith & Finance

FaithFi is a Christian budgeting app from the Faith & Finance ministry, pairing money tools with daily, weekly, and monthly Rhythms, devotionals, and a community around stewarding God's resources. A free tier sits beside subscription-based FaithFi Pro, the weekday radio program, studies, Faithful Steward magazine, and a Certified Kingdom Advisor directory.

Crown Financial Ministries

A Christian financial ministry marking 50 years, offering free tools like the Money Map, one-on-one budget coaching, online courses, the Career Direct and YES! assessments, and global stewardship training across 140+ countries — all rooted in biblical principles of faithful money management.

YNAB - You Need a Budget

A zero-based budgeting app that helps you give every dollar a purpose — with bank syncing, goal tracking, debt payoff tools, Siri integration, photo attachments on transactions, Hide Amounts sharing across web and mobile, Plan Reset for reassigning unspent money, swipe-based Card Mode for reviewing transactions, and real-time cross-device sync for individuals, couples, and families.

Opto

AI-guided financial coaching for couples, pairing structured money conversations with optional live human coaches. Churches and ministries can also offer it inside premarital and marriage programs.

Aplos

Subscription-based fund accounting for churches and nonprofits, now Velora Fund Accounting alongside Keela and Raisely. Aplos tracks restricted funds, giving, and board reports, and its Mission Assistant adds AI chat about your financial data and AI-powered bill entry.