Best SoFi Alternatives in 2026
Updated
20 apps from budgeting and personal finance apps ranked against SoFi on the same published basis.
- 1SoFi vs MoneyPatrol
- 2SoFi vs PocketSmith
- 3SoFi vs Actual Budget
- 4SoFi vs Money Manager Ex
- 5SoFi vs Finlynq
- 7SoFi vs Emma
- 8SoFi vs Rocket Money
- 9SoFi vs Trakli
- 10SoFi vs GnuCash
- 11SoFi vs ClearCheckbook
- 12SoFi vs Toshl Finance
- 13SoFi vs MoneyWiz
- 14SoFi vs YNAB
- 15SoFi vs CountAbout
- 16SoFi vs Fireball
- 17SoFi vs EveryDollar
- 18SoFi vs Money Forward ME
- 19SoFi vs Zaim
- 20SoFi vs Quicken
- 21SoFi vs Trout
SoFi 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 |
| 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 |
| 21 | Trout | 8.1 | Free plan | €4.92/mo | Web |
Make your app an alternative to SoFi
See the priceThe sponsored alternative slot on this page is labelled Sponsored.
Questions about SoFi alternatives
What is the best alternative to SoFi?
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 SoFi?
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.