Best Chip Alternatives in 2026
Updated
20 tools from personal finance software ranked against Chip on the same published basis.
- 1Chip vs PocketSmith
- 2Chip vs SoFi
- 3Chip vs MoneyPatrol
- 4Chip vs EveryDollar
- 5Chip vs YNAB
- 6Chip vs Money Manager Ex
- 7Chip vs GnuCash
- 8Chip vs Rocket Money
- 9Chip vs Zaim
- 10Chip vs ClearCheckbook
- 11Chip vs MoneyPatrol AI
- 12Chip vs Actual Budget
- 13Chip vs MoneyWiz
- 14Chip vs Emma
- 15Chip vs TimelyBills
- 16Chip vs Fireball
- 17Chip vs Quicken
- 18Chip vs Talvo
- 19Chip vs WeMoney
- 20Chip vs dLedger
Chip alternatives compared
| # | Tool | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | PocketSmith | 9.4 | Free plan | $9.99/mo | Android, API, iOS, Linux, Mac, Web, Windows |
| 2 | SoFi | 9.3 | Free plan | Android, iOS, Mac, Web, Windows | |
| 3 | MoneyPatrol | 9.0 | Free plan | $1.67/mo | Linux, Mac, Windows |
| 4 | EveryDollar | 8.8 | Free plan | $17.99/mo | Web, iOS, Android |
| 5 | YNAB | 8.7 | No | $9.08/mo | Android, API, iOS, Web |
| 6 | Money Manager Ex | 8.5 | Free plan | Free | Windows, Mac, Linux, iOS, Android |
| 7 | GnuCash | 8.4 | Free plan | Free | Linux, Mac, Windows |
| 8 | Rocket Money | 8.4 | Free plan | Free | Web, iOS, Android |
| 9 | Zaim | 8.4 | Free plan | Free | Web, iOS, Android |
| 10 | ClearCheckbook | 8.4 | Free plan | $2.49/mo | Web, iOS, Android |
| 11 | MoneyPatrol AI | 8.3 | No | $5.75/mo | Web, Windows, Mac, Linux, iOS, Android |
| 12 | Actual Budget | 8.3 | Free plan | Free | Web, Windows, Mac, Linux |
| 13 | MoneyWiz | 8.3 | $2.50/mo | iOS, Mac | |
| 14 | Emma | 8.3 | Free plan | £4.99/mo | Web, iOS, Android |
| 15 | TimelyBills | 8.3 | Free plan | $2.08/mo | iOS, Android |
| 16 | Fireball | 8.2 | Free plan | NZD 10.99/mo | Web, iOS, Android |
| 17 | Quicken | 8.1 | No | $3.99/mo | Mac, Web, Windows |
| 18 | Talvo | 8.1 | Free plan | €5/mo | Android, iOS, Web |
| 19 | WeMoney | 8.1 | Free plan | $9.99/mo | Web, iOS, Android |
| 20 | dLedger | 8.1 | Free plan | Free | Web, Windows, Mac, Linux |
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Questions about Chip alternatives
What is the best alternative to Chip?
PocketSmith, number 1 in personal finance software with a score of 9.4 out of 10. The others here: SoFi, MoneyPatrol, EveryDollar and 16 more.
What is the best free alternative to Chip?
PocketSmith 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 maker publishes, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing.