Best SoFi Alternatives in 2026
Updated
20 platforms from personal finance software ranked against SoFi on the same published basis.
- 1SoFi vs PocketSmith
- 2SoFi vs MoneyPatrol
- 4SoFi vs EveryDollar
- 5SoFi vs YNAB
- 6SoFi vs Rocket Money
- 7SoFi vs Zaim
- 8SoFi vs ClearCheckbook
- 9SoFi vs Money Manager Ex
- 10SoFi vs GnuCash
- 11SoFi vs MoneyWiz
- 12SoFi vs TimelyBills
- 13SoFi vs Actual Budget
- 14SoFi vs Emma
- 15SoFi vs Securo
- 16SoFi vs Talvo
- 17SoFi vs Fireball
- 18SoFi vs WeMoney
- 19SoFi vs Hundo
- 20SoFi vs BudgetBuddie
- 21SoFi vs Finlynq
SoFi alternatives compared
| # | Platform | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | PocketSmith | 9.2 | Free plan | $9.99/mo | Android, API, iOS, Linux, Mac, Web, Windows |
| 2 | MoneyPatrol | 9.2 | Free plan | $1.67/mo | Linux, Mac, Windows |
| 4 | EveryDollar | 9.1 | Free plan | $17.99/mo | Web, iOS, Android |
| 5 | YNAB | 8.5 | No | $9.08/mo | Android, API, iOS, Web |
| 6 | Rocket Money | 8.5 | Free plan | Free | Web, iOS, Android |
| 7 | Zaim | 8.5 | Free plan | Free | Web, iOS, Android |
| 8 | ClearCheckbook | 8.5 | Free plan | $2.49/mo | Web, iOS, Android |
| 9 | Money Manager Ex | 8.5 | Free plan | Free | Windows, Mac, Linux, iOS, Android |
| 10 | GnuCash | 8.4 | Free plan | Free | Linux, Mac, Windows |
| 11 | MoneyWiz | 8.4 | No | $2.50/mo | iOS, Mac |
| 12 | TimelyBills | 8.4 | Free plan | $2.08/mo | iOS, Android |
| 13 | Actual Budget | 8.3 | Free plan | Free | Web, Windows, Mac, Linux |
| 14 | Emma | 8.3 | Free plan | £4.99/mo | Web, iOS, Android |
| 15 | Securo | 8.3 | Free plan | Free | Web |
| 16 | Talvo | 8.2 | Free plan | €6/mo | Web, iOS, Android |
| 17 | Fireball | 8.2 | Free plan | NZD 10.99/mo | Web, iOS, Android |
| 18 | WeMoney | 8.2 | Free plan | $9.99/mo | Web, iOS, Android |
| 19 | Hundo | 8.2 | Free plan | $3/mo | Web |
| 20 | BudgetBuddie | 8.2 | Free plan | $9.50/mo | Android |
| 21 | Finlynq | 8.1 | Free plan | Free | Web, iOS, Android |
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Questions about SoFi alternatives
What is the best alternative to SoFi?
PocketSmith, number 1 in personal finance software with a score of 9.2 out of 10. The others here: MoneyPatrol, EveryDollar, YNAB and 16 more.
What is the best free alternative to SoFi?
PocketSmith is the best-ranked alternative with a free plan. 18 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked on how quickly a newcomer can get going: documentation depth, a free tier or trial, and the platforms it runs on.