Currently I am trying Emma, Nova and Cleo - all free versions.
Emma is the one I’ve been using for a while but I don’t like the UI. Whenever I move money around my accounts (ex: Monzo main to a saving pot), that money gets counted as another income so I always have to exclude it.
Nova - so far I like this one. It took me a while to get used to the calendar month cycle though because I’m more used to budgeting from when I get my salary. I really like the track budget feature! It also has Goal planning, but I’m not sure how the investment goals work because it doesn’t reflect that goal progress. Other small issues but so far I love it.
Cleo… I feel too old for this app . My biggest problem with this is that I didn’t get any notification that I was already subscribing to the paid plan! Like literally I just got an email notif about the direct debit subscription so I just immediately had to cancel that and now I feel cautious using it.
YNAB I haven’t tried because of no direct input, but I’ve been watching their tutorial content on youtube and while it looks very useful, I don’t feel it’s for me. I’m just not that meticulous with budgeting.