TL;DR: Look for a dedicated gift tracker app rather than a general budgeting tool. In my experience, general apps like Credit Karma are pretty useless for holiday shopping because they dont let you break things down by person. I have tried many different setups over the years and found that using something specific like this gift list tool is way better than struggling with a mobile spreadsheet. It lets you set those individual caps so you dont accidentally blow $100 on one person and leave $10 for the rest. Just to make sure I am pointing you the right way, are you looking for something that tracks the gift ideas themselves or just the raw dollar amounts? Also, do you need it to keep track of shipping and tracking numbers too?

Saw this thread earlier and wanted to chime in because I actually stopped using dedicated gift apps entirely last year. I used to use those specific trackers, but honestly, I found they were just one more thing to manage when I was already stressed. One year I thought I was being super organized with a specific budgeter, but I forgot to hit save on an entry while in line at Target and ended up double-buying for my nephew. It was a mess. Now I just use Google Keep with a simple pinned note. I make a checkbox list for each person and put their budget right next to their name. Its totally free, syncs instantly, and I dont have to learn a new interface. Quick tip: Always snap a photo of the receipt immediately and attach it to the note to track taxes and shipping costs.

I find that using apps designed for envelope budgeting works best for granular control. Here are two solid options:

• Goodbudget: Their free tier is excellent for segregating specific gift funds.
• Santa's Bag: Built specifically for tracking individual gifts and preset limits. I am quite satisfied with these interfaces for monitoring expenditures. If you need to manage collaborative gifting, my family started using Share Product Wishlist this year to stop getting duplicate gifts, and so far so good.