Best Chip Alternatives in 2026
Updated
20 apps from budgeting and personal finance apps ranked against Chip on the same published basis.
- 1Chip vs MoneyPatrol
- 2Chip vs PocketSmith
- 3Chip vs Actual Budget
- 4Chip vs Money Manager Ex
- 5Chip vs Finlynq
- 6Chip vs SoFi
- 7Chip vs Emma
- 8Chip vs Rocket Money
- 9Chip vs Trakli
- 10Chip vs GnuCash
- 11Chip vs ClearCheckbook
- 12Chip vs Toshl Finance
- 13Chip vs MoneyWiz
- 14Chip vs YNAB
- 15Chip vs CountAbout
- 16Chip vs Fireball
- 17Chip vs EveryDollar
- 18Chip vs Money Forward ME
- 19Chip vs Zaim
- 20Chip vs Quicken
Chip alternatives compared
| # | App | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | MoneyPatrol | 9.1 | Free plan | $1.67/mo | Linux, Mac, Windows |
| 2 | PocketSmith | 9.0 | Free plan | $9.99/mo | Android, API, iOS, Linux, Mac, Web, Windows |
| 3 | Actual Budget | 8.8 | Free plan | Free | Web, Windows, Mac, Linux |
| 4 | Money Manager Ex | 8.8 | Free plan | Free | Windows, Mac, Linux, iOS, Android |
| 5 | Finlynq | 8.7 | Free plan | Free | Web, iOS, Android |
| 6 | SoFi | 8.7 | Free plan | — | Android, iOS, Mac, Web, Windows |
| 7 | Emma | 8.6 | Free plan | £4.99/mo | Web, iOS, Android |
| 8 | Rocket Money | 8.6 | Free plan | Free | Web, iOS, Android |
| 9 | Trakli | 8.5 | Free plan | $7.19/mo | Web, iOS, Android |
| 10 | GnuCash | 8.4 | Free plan | Free | Linux, Mac, Windows |
| 11 | ClearCheckbook | 8.4 | Free plan | $2.49/mo | Web, iOS, Android |
| 12 | Toshl Finance | 8.4 | Free plan | Free | Web, iOS, Android |
| 13 | MoneyWiz | 8.3 | No | $2.50/mo | iOS, Mac |
| 14 | YNAB | 8.2 | No | $9.08/mo | Android, API, iOS, Web |
| 15 | CountAbout | 8.2 | No | $1.67/mo | Web, iOS, Android |
| 16 | Fireball | 8.2 | Free plan | NZD 10.99/mo | Web, iOS, Android |
| 17 | EveryDollar | 8.2 | Free plan | $17.99/mo | Web, iOS, Android |
| 18 | Money Forward ME | 8.2 | Free plan | Free | Web, iOS, Android |
| 19 | Zaim | 8.2 | Free plan | Free | Web, iOS, Android |
| 20 | Quicken | 8.1 | No | $3.99/mo | Mac, Web, Windows |
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Questions about Chip alternatives
What is the best alternative to Chip?
MoneyPatrol, number 1 in budgeting and personal finance apps with a score of 9.1 out of 10. The others here: PocketSmith, Actual Budget, Money Manager Ex and 16 more.
What is the best free alternative to Chip?
MoneyPatrol is the best-ranked alternative with a free plan. 16 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked on what each provider publishes: fees and plan prices, a free tier or trial, the platforms its apps run on and how completely it documents security and support. We do not give financial advice; check the provider's own terms before you sign up.