Assuming you mean "free" as in "I don't need to provide a credit card to sign up", then https://ghostfol.io/ If on the off chance you mean "free" as in "freedom from having my data sold", then You Need a Budget (YNAB) is a popular option. But be warned, YNAB is more than software...it's a new way of thinking about budgeting. It takes some getting used to. https://www.ynab.com/