We’ve all heard it from someone we admire or read from an article somewhere on the internet that one of the first steps to improving financial health is tracking and managing your money. It won’t always be easy. You start expense tracking with maybe a pen and paper or an Excel spreadsheet if you’re a little techier. Then, after a few days, you forget about it all, and you try to rely on your memory, but you know you can’t rely on it for too long.
But you know what they say nowadays—when in doubt, there’s an app for that! That includes apps for money management, budgeting, financial education, tracking upcoming bill payments, keeping up with your credit score, and even helping with your investment portfolio.
So whether you’re paying off debt or saving up for the future, you’ll always be on track. We’ve listed below the best apps in the market today! So go ahead and see what’ll fit your goals and lifestyle.
1. Mint
Recommended For: Everything from paying debt and goal setting to keeping track of your bills and showing your credit score.
You’ll see Mint on lists just like this everywhere on the internet—and for a good reason. Mint is Intuit’s personal finance app, and it’s free to use, although you can get Mint Premium for an enhanced, ad-free experience.
What makes Mint so popular is its comprehensive lineup of features to make users’ financial lives more efficient. It consolidates all of your financial information into one spot. Once you link your debit and credit cards to your account, Mint will gather all your transactions, categorize them, and tell you how you’re spending your money.
You can keep track of your expenses and build a budget that you can stick to. What’s more, you can even stay on top of your credit health! The app gives you free access to your credit score and a summary of the factors that contribute to your score. You can also keep track of your finances and manage your bills.
2. Mobills
Recommended For: Users that prefer an easy-to-read interface on both mobile and desktop
Known for its ease of use, Mobills is great for those who have difficulty understanding many numbers and charts. All you have to do is import your credit card information and bank details, and the app will pull in all the data it needs.
One of Mobills best features is its interactive charts that allow you to examine your financial situation and make modifications to achieve your financial objectives. You can also enter all of your bills and due dates to track when they need to be paid.
The app’s free version offers restricted functionality. However, paying for the premium version ($49.99 per year) unlocks all of the app’s capabilities, which are pretty worth it if you asked us.
3. YNAB (You Need A Budget)
Recommended For: Debt management and payoff / Budget makeover
If you’re looking for a complete budget makeover, YNAB is your app! The a;p allows you to sync your bank accounts, import data from a file, or manually enter each transaction. The best way to begin, according to YNAB itself, is to watch video courses, attend a live workshop, or read their handbook to understand the basics of the app. The difference between YNAB and its competitors is that the app takes a proactive approach to budget rather than tracking what you’ve previously spent.
After signing up, you build your first budget and allocate each dollar to a specific purpose, such as your rent or vehicle payment. The aim is to go at least one month ahead of schedule, so you’re spending money you earned 30 days ago. The app also provides substantial training resources and robust customer support.
YNAB offers a 34-day free trial. After that, if you like your experience with the app, its annual cost is $98.99 per year.
4. Personal Capital
Recommended For: Wealth management
Personal Capital houses many valuable features that will help you build your wealth. This includes a retirement planning tool, an education planner tool, a net worth tracking tool, and even a free analyzer tool for your portfolio. On top of all its unique features, it’s free!
While you can use the app to track spending and build a monthly budget by connecting it to your bank account, it excels in helping you manage and improve your assets. You can track your portfolio by accounts, asset class, and individual security. Because of its built-in intelligence, Personal Capital can help you find chances for diversification, risk management, and any hidden costs you may be paying. When you can compare your portfolio to significant market benchmarks, you’ll be able to see if you’re on track to reach your investment goals.
Here’s another reason to get the app: they have qualified financial advisors who can give you personalized advice based on your goals.
5. Spendee
Recommended For: Shared expenses
Looking for an app that’ll let you set up shared accounts with your partner, family, or friends? Check out Spendee! Its features will help you manage shared expenses for a household budget.
Import your bank transactions, and the app will classify them for you to keep track of your monthly expenditure. In addition, you can manually enter cash expenses to get a more accurate view of where your money goes.
Create budgeted amounts for each spending category and track your progress toward the budgeted amount to avoid going over budget. It also has a bill monitoring feature that will remind you to pay all your bills on time and avoid late fees.
The app even allows you to establish a category to manage your spending and stay on budget, particularly for vacations or other special events.
Although very limiting, Spendee has a free plan that will let you have one cash wallet and a few other features. Unlock unlimited cash wallets and budgets plus bank account sync and automatic categorization with Spendee Premium ($29.99 per year).
A Step Forward Towards A Healthier Financial Future
Each of the apps listed above helps users improve their finances in some manner, whether it’s by making budgeting a whole lot simpler, minimizing overspending, identifying ways to cut costs, or putting money aside for a rainy day with ease.
With consistent use, the app of your choice will help you with your personal finance goals easily and efficiently to enjoy a healthier and brighter financial future.
If you want more money management tips, we’ve got you covered! Head on over to our Money Management section for more helpful articles.
We’ve all heard it from someone we admire or read from an article somewhere on the internet that one of the first steps to improving financial health is tracking and managing your money. It won’t always be easy. You start expense tracking with maybe a pen and paper or an Excel spreadsheet if you’re a little techier. Then, after a few days, you forget about it all, and you try to rely on your memory, but you know you can’t rely on it for too long.
But you know what they say nowadays—when in doubt, there’s an app for that! That includes apps for money management, budgeting, financial education, tracking upcoming bill payments, keeping up with your credit score, and even helping with your investment portfolio.
So whether you’re paying off debt or saving up for the future, you’ll always be on track. We’ve listed below the best apps in the market today! So go ahead and see what’ll fit your goals and lifestyle.
You can keep track of your expenses and build a budget that you can stick to. What’s more, you can even stay on top of your credit health! The app gives you free access to your credit score and a summary of the factors that contribute to your score. You can also keep track of your finances and manage your bills.
2. Mobills
Recommended For: Users that prefer an easy-to-read interface on both mobile and desktop
Known for its ease of use, Mobills is great for those who have difficulty understanding many numbers and charts. All you have to do is import your credit card information and bank details, and the app will pull in all the data it needs.
One of Mobills best features is its interactive charts that allow you to examine your financial situation and make modifications to achieve your financial objectives. You can also enter all of your bills and due dates to track when they need to be paid.
The app’s free version offers restricted functionality. However, paying for the premium version ($49.99 per year) unlocks all of the app’s capabilities, which are pretty worth it if you asked us.
3. YNAB (You Need A Budget)
Recommended For: Debt management and payoff / Budget makeover
If you’re looking for a complete budget makeover, YNAB is your app! The a;p allows you to sync your bank accounts, import data from a file, or manually enter each transaction. The best way to begin, according to YNAB itself, is to watch video courses, attend a live workshop, or read their handbook to understand the basics of the app. The difference between YNAB and its competitors is that the app takes a proactive approach to budget rather than tracking what you’ve previously spent.
After signing up, you build your first budget and allocate each dollar to a specific purpose, such as your rent or vehicle payment. The aim is to go at least one month ahead of schedule, so you’re spending money you earned 30 days ago. The app also provides substantial training resources and robust customer support.
YNAB offers a 34-day free trial. After that, if you like your experience with the app, its annual cost is $98.99 per year.
4. Personal Capital
Recommended For: Wealth management
Personal Capital houses many valuable features that will help you build your wealth. This includes a retirement planning tool, an education planner tool, a net worth tracking tool, and even a free analyzer tool for your portfolio. On top of all its unique features, it’s free!
While you can use the app to track spending and build a monthly budget by connecting it to your bank account, it excels in helping you manage and improve your assets. You can track your portfolio by accounts, asset class, and individual security. Because of its built-in intelligence, Personal Capital can help you find chances for diversification, risk management, and any hidden costs you may be paying. When you can compare your portfolio to significant market benchmarks, you’ll be able to see if you’re on track to reach your investment goals.
Here’s another reason to get the app: they have qualified financial advisors who can give you personalized advice based on your goals.
5. Spendee
Recommended For: Shared Expenses
Looking for an app that’ll let you set up shared accounts with your partner, family, or friends? Check out Spendee! Its features will help you manage shared expenses for a household budget.
Import your bank transactions, and the app will classify them for you to keep track of your monthly expenditure. In addition, you can manually enter cash expenses to get a more accurate view of where your money goes.
Create budgeted amounts for each spending category and track your progress toward the budgeted amount to avoid going over budget. It also has a bill monitoring feature that will remind you to pay all your bills on time and avoid late fees.
The app even allows you to establish a category to manage your spending and stay on budget, particularly for vacations or other special events.
Although very limiting, Spendee has a free plan that will let you have one cash wallet and a few other features. Unlock unlimited cash wallets and budgets plus bank account sync and automatic categorization with Spendee Premium ($29.99 per year).
A Step Forward Towards A Healthier Financial Future
Each of the apps listed above helps users improve their finances in some manner, whether it’s by making budgeting a whole lot simpler, minimizing overspending, identifying ways to cut costs, or putting money aside for a rainy day with ease.
With consistent use, the app of your choice will help you with your personal finance goals easily and efficiently to enjoy a healthier and brighter financial future.
If you want more money management tips, we’ve got you covered! Head on over to our Money Management section for more helpful articles.