Which Christian budgeting apps are actually free?

Most Christian budgeting apps have a free plan. Almost none of them let that free plan touch your bank. You will feel that difference the first month, when typing in every coffee and every gas fill stops being something you remember to do.

What follows is every faith-based or faith-adjacent budgeting app I could verify, including my own. I built Kingdom Cents, so you should read the last section with that in mind. Everything in the table comes from each company's own pricing page rather than from a roundup, mine included, and every app links back to its source so you can check my work.

What free actually gets you

The paywall is almost always the bank connection

Read down that middle column. EveryDollar, FaithFi, Goodbudget and Faithful Finance all put automatic bank syncing behind the paid tier. SenticMoney is a deliberate exception: it connects to nothing at all, in either tier, because keeping your data on your own device is the whole point of the product.

Manual entry asks you to do the work twice, once when you spend and once when you record it. That second pass is the one you stop making, and the free tier that looked generous on the pricing page ends up unopened.

So when you compare free plans, look past the category count. Ask whether the app can see your money without you retyping it.

How to pick, honestly

You already follow Dave Ramsey's baby steps. Use EveryDollar. The app is built around that plan, the free tier does real zero-based budgeting, and the coaching ecosystem around it is the actual product you are buying. Manual entry is less of a burden when you are working a defined plan with a defined end.

You want your financial data to never leave your device. Use SenticMoney. Treating privacy as a form of stewardship is a real conviction, and it is the only app here built around it. You will import statements by hand. That is the trade, and they are upfront about it.

You think in envelopes and share a budget with a spouse. Use Goodbudget. The free tier is genuinely usable for a simple budget, and envelope budgeting on paper translates to it almost exactly.

You want coaching and content alongside the numbers. Look at FaithFi and Faithful Finance. Both surround the budgeting tools with study material, and if what you actually need is teaching rather than tracking, that is worth paying for.

Where Kingdom Cents fits, and where it does not

Kingdom Cents is the app I built, and it exists because of one gap in the list above. In every other app here, the tithe is a category you remember to create. It sits in the same list as groceries and gas, and it competes with them. Kingdom Cents calculates your giving first, when income arrives, before anything else takes a share. That is the whole idea, and it is the reason I did not just use one of these.

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 $7 a month and adds unlimited connections 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. There is no native App Store download today; it installs to your home screen as a web app. 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. And if privacy means your data never leaving your device, SenticMoney is a better fit than anything I have built.

What I will stand behind is the ordering. If your problem is that giving keeps happening last, out of whatever is left, that is the specific problem this app was built to solve.

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? →