Which Christian budgeting apps are actually free?

Most Christian budgeting apps have a free plan. Almost all of them put the bank connection on the paid one. So the free version means typing in every coffee and every gas fill yourself, and that is the part many people stop doing.

Below is every app I could verify from a company built on Christian faith. One of them is mine, so I have a stake in what you decide. Every number in the table comes from the company's own pricing page, and each row links to its source, so you can check mine against theirs.

What free actually gets you

The paywall is almost always the bank connection

Down the middle column, EveryDollar and FaithFi both put automatic bank syncing behind the paid tier, and Faithful Finance has no free tier to put it behind.

Manual entry asks you to do the work twice, once when you spend and once when you record it. For many people, that second pass is the one that slips, and a free tier that looked generous on the pricing page can end up unopened.

So when comparing free plans, the question that matters more than the category count is whether the app can see your money without you retyping it.

How to pick, honestly

You want to give first and live on the rest. Kingdom Cents is built for this, and it is mine. It is the only app in the table above that calculates giving first and connects your bank on the free plan. No card, no trial.

You already follow Dave Ramsey's baby steps. EveryDollar is the natural fit. The app is built around that plan, the free tier does real zero-based budgeting, and the coaching and teaching around it are a large part of what you get. Manual entry is less of a burden when you are working a defined plan with a defined end.

You track crypto or real estate alongside your accounts. Faithful Finance is the better fit. It puts giving first, and it tracks both of those, which Kingdom Cents does not. There is no free tier, so it is seven days and then $12.99 a month.

You want coaching and content alongside the numbers. FaithFi is worth a look. It surrounds the budgeting tools with devotionals, articles and a long-running radio show, and if what you actually need is teaching rather than tracking, that is worth paying for.

Where Kingdom Cents fits

You meant to give this month. You had a number in mind, maybe a tenth, and then the car needed something, and the card was higher than you expected, and by the time you looked there was less left than you planned. So you gave what was there and told yourself you would make it up. I did that too.

EveryDollar puts Give at the top of its budget, and Ramsey has taught giving first for decades. There, your gift is a line you plan each month alongside groceries and gas. FaithFi does not advertise giving as a distinct feature. Kingdom Cents calculates your tithe each time you get paid and shows you that number first, so you know your goal before anything else asks for your money.

Faithful Finance is the exception, and I will say so plainly rather than let you find it yourself. It has a tithe tracker, and a setting they call First Fruits Mode that sets giving aside before the rest of the budget. That is the same conviction I built on. What it does not have is a free plan. Seven days, then $12.99 a month.

Among these apps, Kingdom Cents is the only one where giving is calculated first and your bank connects on the free plan. That pairing is the whole reason it exists. Giving first should not sit behind a card form, and it should not be a decision you remake at the end of every month, when you are tired and the number is smaller than you hoped.

The free plan includes two read-only bank connections, the tithe tracker, budgeting by category, goals, projections, daily devotionals and prayer circles. No card, no trial, no expiry. The paid plan is $11.99 a month and adds unlimited bank connections, investment and brokerage accounts, daily transactions, and a tax-ready annual giving statement.

Now the honest part. Kingdom Cents is new and small. It does not have the coaching, courses or decades of teaching that Ramsey and FaithFi bring. Two bank connections covers most households but not all of them, and if you keep accounts across five institutions you will hit that ceiling on the free plan. There is no native App Store download today either; it installs to your home screen as a web app.

What I will stand behind is the ordering. If you have ever reached the end of a month and found your giving had slipped to the last line again, that is the problem this app was built around.

Run your number: See what any percentage comes to weekly, monthly and yearly →

Still deciding the amount? How much should I tithe? →

Keep reading: Should you tithe on gross or net income? →