Managing your finances doesn’t have to be complicated. With the right personal finance apps, you can track your spending, create budgets, invest wisely, and even boost your savings from your phone. Whether you’re looking to pay off Debt, grow your wealth, or stay on top of your expenses, there’s an app for you.
Here’s a list of the top 10 personal finance apps you need to start using today:
- Mint – Best for Budgeting
Why You Need It: Mint is an all-in-one financial management app that helps you track expenses, create budgets, and get bill reminders. It automatically categorizes transactions, making budgeting effortless.
Available On: iOS & Android
Cost: Free
- YNAB (You Need a Budget) – Best for Hands-On Budgeting
Why You Need It: YNAB is perfect for people who want to be more proactive with their money. It follows a zero-based budgeting system, helping you give every dollar a job.
Available On: iOS & Android
Cost: $14.99/month or $99/year (free trial available)
- Personal Capital – Best for Wealth Management
Why You Need It: If you’re looking to track your investments and expenses, Personal Capital is a great choice. It provides insights into your net worth, asset allocation, and retirement planning.
Available On: iOS & Android
Cost: Free for budgeting; advisory services come with fees
- PocketGuard – Best for Preventing Overspending
Why You Need It: PocketGuard helps you avoid overspending by showing you how much disposable income you have after accounting for bills, necessities, and savings goals.
Available On: iOS & Android
Cost: Free (Premium version available)
- Acorns – Best for Automatic Investing
Why You Need It: Acorns rounds up your spare change from everyday purchases and invests it automatically. It’s an excellent option for beginner investors looking to grow their wealth effortlessly.
Available On: iOS & Android
Cost: $3 to $5 per month
- Goodbudget – Best for Envelope Budgeting
Why You Need It: If you prefer the envelope budgeting system, Goodbudget is the digital version. You allocate money into different “envelopes” for expenses, ensuring you don’t overspend.
Available On: iOS & Android
Cost: Free (Premium version available for $8/month)
- EveryDollar – Best for Dave Ramsey Fans
Why You Need It: Based on Dave Ramsey’s financial principles, EveryDollar helps you create a monthly budget that aligns with your financial goals. It follows a zero-based budgeting approach.
Available On: iOS & Android
Cost: Free (Premium version available)
- Chime – Best for Saving Money Effortlessly
Why You Need It: Chime is a banking app with automatic savings features, no hidden fees, and early paycheck deposits. It also rounds up purchases to the nearest dollar and transfers the spare change into savings.
Available On: iOS & Android
Cost: Free
- Zeta – Best for Couples & Joint Finances
Why You Need It: Managing finances with a partner? Zeta is designed for couples, helping you seamlessly budget, save, and track shared expenses.
Available On: iOS & Android
Cost: Free
- Rocket Money (formerly Truebill) – Best for Canceling Subscriptions
Why You Need It: Rocket Money helps you track and cancel unwanted subscriptions, negotiate lower bills, and manage your budget.
Available On: iOS & Android
Cost: Free (Premium version available)
Final Thoughts
No matter your financial goals—whether it’s saving more, investing smarter, or simply keeping track of your spending—these apps can help. Find the best fit for your needs and start controlling your money today!
