The best budget apps in France, Quebec, and Belgium
Seven budget apps for France, Quebec, and Belgium, each best for a different need: Bankin', Finary, Linxo, Monefy, Outlayr, Wallet by BudgetBakers, and YNAB. Bankin' and Linxo sync French bank accounts; Monefy and Outlayr connect to none, so they work the same anywhere. Outlayr is ours; the other six are not.
| App | Who it fits | Price | Runs on |
|---|---|---|---|
| Bankin' | Best if your banks are in France, the UK, Spain, or Germany and you want a budget per category built from them | Free, with in-app purchases. Bankin' Plus is 4,99 € a month or 39,99 € a year, Bankin' Pro 19,99 € a month or 99,99 € a year | iPhone, Android, web |
| Finary | Best if you mostly follow savings and investments, and budgeting comes second | Free plan. Lite is 54,99 € a year, Plus 149,99 € a year, and Pro 349,99 € a year | Web, iPhone, Android |
| Linxo | Best if you want your French bank accounts sorted into categories for free | Free, with in-app purchases. Linxo Premium is 5,99 € for a month or 47,99 € for a year | iPhone, Android, web |
| Monefy | Best if you want to log in two taps, free, without connecting anything | Free, with in-app purchases. Monefy Premium is listed at 42,99 € and 69,99 € | iPhone and Android, synced through Google Drive or Dropbox |
| Outlayr | Best if you would rather log by sentence, voice, or receipt than connect a bank, wherever you live, or spend in more than one currency | Free. Pro is $7.99 a month, $49.99 a year with 7 days free, or $129.99 once in the US. Prices vary by country | iPhone and Android |
| Wallet by BudgetBakers | Best if you want a free tier by hand, real time exchange rates, and bank sync in Premium | Free, with in-app purchases. Premium from 5,99 €, and Lifetime Premium is 49,99 € | iPhone, Android, web |
| YNAB | Best if you read English, live in Quebec, and want a strict budgeting method with Canadian bank import | Free for 30 days, then a monthly or yearly subscription, listed at 15,49 € and 119,00 € in the French App Store | iPhone, Android, web, Apple Watch |
Each detail about the other apps links to the page it was read on, checked 7 November 2026.
How we picked
Each app here is sold in France, and each fits a different need, from syncing French bank accounts to logging in two taps without connecting anything. For Quebec and Belgium, the bank rows say which countries each app's bank connection covers. They are in alphabetical order, not ranked.
Every detail about the other apps was read on that app's own site, pricing page, or App Store listing on the date below the table, and links to the page it came from. Prices are in euros as each page shows them. These are the facts as each app states them, not results of our own testing. A feature a page does not mention is left out, not marked as missing.
Outlayr is ours. It gets the same facts as the others, including its own Watch out for row.
Bankin'
Bankin' is a French budget app that syncs and categorizes your bank accounts, with Plus and Pro subscriptions.
- Price
- Free, with in-app purchases. Bankin' Plus is 4,99 € a month or 39,99 € a year, Bankin' Pro 19,99 € a month or 99,99 € a yearapps.apple.com
- Bank sync
- 350+ banks in 4 countries: France, the United Kingdom, Spain, and Germanyapps.apple.com
- Budgets
- A budget per spending category, an end of month balance forecast, and alerts before an overdraftapps.apple.com
- In Quebec
- In the Canadian App Store, but its developer says in review replies that it does not support Canadian banksapps.apple.com
- Runs on
- iPhone, Android, webbankin.com
- Watch out for
- Your own categories and the budget history are listed under Plus and Probankin.com
Finary
Finary is a French wealth app that tracks bank accounts, investments, and crypto in one place, with budgeting on its Plus plan.
- Price
- Free plan. Lite is 54,99 € a year, Plus 149,99 € a year, and Pro 349,99 € a yearfinary.com
- Tracks
- Your whole net worth, from 20,000+ banks, brokers, and crypto platforms worldwidefinary.com
- Bank sync
- 2 bank syncs on the free plan, unlimited on Lite, Plus, and Profinary.com
- Budgets
- Budget management on Plus and Pro onlyfinary.com
- Runs on
- Web, iPhone, Androidfinary.com
- Watch out for
- Neither the free plan nor Lite includes budget management, so budgeting starts at 149,99 € a yearfinary.com
Linxo
Linxo is a French budget app that gathers your bank accounts in one place and sorts spending into categories, free with a Premium option.
- Price
- Free, with in-app purchases. Linxo Premium is 5,99 € for a month or 47,99 € for a yearapps.apple.com
- Bank sync
- Close to 320 banks and account types, such as Crédit Agricole, Société Générale, BNP Paribas, LCL, Boursorama, Revolut, and N26apps.apple.com
- Tracks
- Automatic categories, charts, alerts for salary and bank fees, and savings accounts such as PEA and life insuranceapps.apple.com
- Runs on
- iPhone, Android, weblinxo.com
- Watch out for
- The 30 day balance forecast and unlimited search history need Premiumapps.apple.com
Monefy
Monefy is an expense tracker for iPhone and Android that records a purchase in two taps, free at its core, with an optional paid upgrade.
- Price
- Free, with in-app purchases. Monefy Premium is listed at 42,99 € and 69,99 €apps.apple.com
- Adding entries
- By hand, any purchase in two tapsmonefy.com
- Currencies
- 150+monefy.com
- In French
- Yes, French and 15 other languagesapps.apple.com
- Runs on
- iPhone and Android, synced through Google Drive or Dropboxmonefy.com
- Watch out for
- Unlimited accounts and recurring transactions need the paid upgrademonefy.com
Outlayr
Outlayr is an open source expense tracker you fill in by sentence, voice, or receipt, free to start.
- Price
- Free. Pro is $7.99 a month, $49.99 a year with 7 days free, or $129.99 once in the US. Prices vary by country
- Adding entries
- One sentence, voice, receipt scan, CSV import
- Bank sync
- None. It does not connect to your bank. On Android it can log purchases from the notifications of apps you turn on, such as your bank's, up to 30 a month on the free plan
- Currencies
- 165, converted at the rate of the day
- In Quebec
- Works the same: there is no bank to connect, and it is offered in 175 countries and regions, Canada included
- In French
- Yes, along with English, Spanish, and Portuguese
- Free plan
- 3 accounts, 2 category budgets plus one for the month, 20 voice or receipt captures every 30 days, and accounts in one currency
- Runs on
- iPhone and Android
- Watch out for
- No bank sync, so every entry starts with you. Voice entry and receipt scans need an account and a connection, with 20 captures every 30 days on the free plan. There is no web app
Wallet by BudgetBakers
Wallet by BudgetBakers is a money app with a free tier for tracking by hand and bank sync in Premium.
- Price
- Free, with in-app purchases. Premium from 5,99 €, and Lifetime Premium is 49,99 €apps.apple.com
- Bank sync
- In Premium, with 4,000 participating banks worldwideapps.apple.com
- Currencies
- Several, with exchange rates calculated in real timebudgetbakers.com
- In French
- Yes, French and 47 other languagesapps.apple.com
- Runs on
- iPhone, Android, webbudgetbakers.com
- Watch out for
- The free tier is for tracking by hand. Bank sync needs Premiumbudgetbakers.com
YNAB
YNAB is a paid budgeting method built on bank imports, in English, with direct import from select banks in Canada and the EU.
- Price
- Free for 30 days, then a monthly or yearly subscription, listed at 15,49 € and 119,00 € in the French App Storeapps.apple.com
- Budget style
- You decide what your money is for before you spend itynab.com
- Bank sync
- Direct import from select US, Canadian, UK, and EU banks, and file import for the restynab.com
- In Quebec
- Its direct import covers select Canadian banksynab.com
- In French
- No, the app is in English onlyapps.apple.com
- Runs on
- iPhone, Android, web, Apple Watchynab.com
- Watch out for
- No free plan after the trial, and direct import reaches only select EU banksynab.com
Questions
What is the best budget app?
It depends on where your bank is and how you want entries to get in. In France, Bankin' and Linxo sync your bank accounts and sort the spending, both free with paid options. Finary suits net worth more than budgets. Monefy and Outlayr do not connect to a bank: Monefy logs a purchase in two taps, and Outlayr logs it by sentence, voice, or receipt. Wallet by BudgetBakers has a free tier by hand. YNAB is a paid method in English.
Which budget app is free?
Linxo and Bankin' are free, with Premium at 5,99 € a month for Linxo and Plus at 4,99 € a month for Bankin'. Monefy is free at its core. Wallet by BudgetBakers has a free tier by hand. Finary is free, but budget management needs Plus. Outlayr has a free plan with 3 accounts and 20 voice or receipt captures every 30 days. YNAB is free for 30 days, then paid.
Which budget app works in Quebec?
Bankin' connects to banks in France, the UK, Spain, and Germany, and its developer says it does not support Canadian banks. Linxo's listing names banks such as Crédit Agricole, BNP Paribas, Revolut, and N26, and no Canadian bank. YNAB's direct import covers select Canadian banks, in English. Wallet by BudgetBakers and Finary state worldwide bank counts without naming Canada. Monefy and Outlayr connect to no bank, so they work the same in Quebec, both in French.
Which budget app connects to my bank?
Bankin' lists 350+ banks in France, the UK, Spain, and Germany; Belgium is not among its 4 countries. Linxo lists close to 320 banks and account types. Finary syncs 2 accounts free and unlimited on paid plans. Wallet by BudgetBakers syncs in Premium. YNAB imports directly from select EU banks. Outlayr does not connect to a bank; on Android it can log purchases from your bank app's notifications.
How much does Outlayr cost?
The tracker is free, with budgets, goals, subscriptions, and widgets. The free plan includes 20 voice or receipt captures every 30 days, 3 accounts, 2 category budgets, and accounts in one currency. Outlayr Pro raises those limits and adds sync. In the United States it is $7.99 a month, $49.99 a year with 7 days free, or $129.99 once. Your app store shows the price for your country.
Is Outlayr available in France, Quebec, and Belgium?
Yes. Outlayr is offered in 175 countries and regions, Canada included, and the app is in French, English, Spanish, and Portuguese. Your app store shows the price for your country.
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