Budgetfold is a zero-based budget: your take-home pay is shared out between rent, council tax, food and the rest until nothing is left unassigned. Set the currency to pounds sterling and every figure follows. It is on Google Play in the UK and works in any browser.
Free plan: this month's budget, 2 accounts and 100 transactions. On the web Plus is $39 (US dollars) a year; in the Android app Google Play charges in your local currency.
| Take-home pay | £2,150.00 |
| Rent | £950.00 |
| Council tax | £148.00 |
| Energy and water | £135.00 |
| Food shop | £280.00 |
| Travel | £96.00 |
| Phone and broadband | £48.00 |
| Holiday fund | £120.00 |
| Savings | £200.00 |
| Spending money | £173.00 |
| Left to assign | £0.00 |
Illustrative figures. Direct debits and standing orders go in Bills & subscriptions with their dates.
Pick pounds in Settings and amounts show as £. Budgetfold has no bank connection. You type a purchase in a few seconds, or download a CSV, OFX or QFX statement from your online banking and import it. Day-first dates such as 25/10/2026 are read correctly. Annual costs such as car insurance, the TV licence or Christmas become sinking funds: give each a monthly amount and the money is there when the bill arrives.
YNAB charges $109 a year in US dollars everywhere. Export your plan from YNAB on the web and upload the zip: Budgetfold reads pound-denominated plans and day-first dates as YNAB writes them. See the YNAB comparison.
| Emma | Snoop | Budgetfold | |
|---|---|---|---|
| Free plan | Yes (Basic) | Yes | Yes |
| Paid plans | Plus £4.99/month or £41.99/year; Pro £9.99/month or £83.99/year; Ultimate £14.99/month or £124.99/year | Snoop Plus £5.99/month or £47.99/year | Plus $39/year on the web, local price on Google Play |
| Bank connection | Yes, Open Banking | Yes, Open Banking | No; statement import instead |
| Budget style | Tracking and spending categories | Tracking, bills and savings tips | Zero-based envelopes with rollover |
Emma prices from emma-app.com (compare plans); Snoop Plus from snoop.app. Read 23 October 2026. Emma and Snoop are good choices if you want automatic bank feeds; Budgetfold is for planning money by hand.
Yes. Set the currency to pounds sterling in Settings. The Android app is on Google Play in the UK and the web app works in any browser.
Yes, if your online banking offers a CSV, OFX or QFX download. Budgetfold reads day-first dates such as 25/10/2026 and pound amounts.
No. Nothing connects to your bank. You type purchases or import a statement file.
The free plan costs nothing. Plus is $39 a year on the web, charged in US dollars; in the Android app Google Play shows and charges the price in pounds.
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Budgetfold