With our list of the best personal finance apps, you’ll never have to wonder where all your money went. You’ll be able to track every single dollar to help you achieve all your financial goals.
Basic budget apps have your most essential features, but they usually function best when they tap into your financial accounts to track spending. But many of them do more than just categorize expenses.
The following apps on the list are considered the best personal finance apps because of the things they can do. All of the apps have a rating over 4 out of 5 stars.
The Best Personal Finance Apps
Mint’s has great ratings across both App Store and Google Play. It’s free and is capable of syncing up your many different accounts: checking & savings, credit cards, loans, investments & bills.
Mint automatically tracks your expenses and categorizes them for you. You can adjust these categories or create new ones as needed, and Mint will let you know if they’re coming close to a limit.
Mint has budgeting features that help users save more money and track their goals. It also comes with extra features like a tool to help you pay down debt and your credit score and net worth – and it provides tons of support too.
Mint is a top contender on the list of the best personal finance apps because of all the seamless integration into your accounts.
Mint is great in many ways, one of which is that it can track pretty much anything for you. However, if you like to do everything more hands-on with your budget it may not be ideal.
If you’re looking for an app more focused on planning & saving for big expenses rather than day-to-day tracking of money, other apps on this list might suit you better.
Goodbudget is more about the future than the past. It’s based on the envelope budgeting system, which divides your paycheck up among different categories called envelopes.
There is no bank account connecting with this app. You manually add your balance, the amount of cash in your wallet, and so on. With these measurements, money can be assigned to envelopes
You can access this app from anywhere. You’ll also find many helpful articles and videos that will help you get acquainted with the app.
Free versions of Goodbudget include 2 devices, 1 account and a limit of envelopes. You can upgrade to Goodbudget Plus for more features such as unlimited envelopes, 5 devices and other benefits.
If you don’t want to connect your bank accounts, this will probably be your best choice out of all the best personal finance apps.
Unlike other apps, you have to enter every single expense in the app. Entering a lot of data can take up a lot of time and if you’re not willing to put in that work, this app might not be for you.
YNAB is designed to help you plan well ahead for your financial decisions, by making you plan for every dollar you earn. They follow the zero-based budgeting system, which means every dollar coming in has a planned out budget before it’s even received.
As soon as you get paid, you tell YNAB how much money should be allocated to different categories. The idea is that when we’re prompted to actively decide what we want our money to finance, we become more intentional and responsible with it.
YNAB is all about keeping you involved. There are plenty of online resources out there to help you learn how to use it properly. Alternatively, YNAB’s customer service is always available should you have any questions.
YNAB is designed to help you get on top of your personal finances, and it works across a range of devices. It can connect to all your different accounts and help you get on top of what’s important.
We hope you consider YNAB from our list of the best personal finance apps because of the uniqueness of their approach.
Though it’s not for everyone, YNAB is radically different from other budgeting apps and provides a great opportunity to pay off debt and save money by staying hands-on. It has a higher price than our other picks but has almost perfect reviews on Google Play
4. Personal Capital
Personal Capital is not only an investment app, but it also includes budgeting tools to help track your finances.
Not only will the app connect to your bank and credit accounts, it can also manage your 401(k) and investment accounts as well.
You can personalize the categories to see how much money you’ve spent on each category, including the percentage of your total monthly spending. Personal Capital also has a net worth tracker & portfolio breakdown built in. With both phone and desktop versions, accessing this app couldn’t be easier.
This app made this list due to its helpful budgeting tools, but it’s because of its investments features that set it apart. As one of the few apps on the market that offer this service, you’ll find better apps for actual budgeting elsewhere.
PocketGuard is an easy to use app with a small number of features. It’s all about getting straight to the point.
Connecting all of your bank accounts, loans & credit cards to the app allows you to know exactly how much money you have left after setting aside funds for your priorities (e.g. bills, savings) and any other personal goals that you want or need to accomplish.
PocketGuard also tells you your net worth and gives you the option to not link it with your bank accounts. You can then track it manually with the free version of PocketGuard. The paid version, PocketGuard Plus, has a debt payoff plan and exports for tracking expenses easier.
The app does a lot of hard work for you. It’s good that it takes most things off your hands, but might be more of an issue if you want to plan certain aspects of your finances.
PocketGuard is another fan favorite on our list of best personal finance apps because of the ease of use.
Conclusion On The Best Personal Finance Apps
Our goal was to make picking one of the best personal apps as easiest as possible. With the right personal finance app integrated into your life, you’ll be able to conquer your finances and achieve all your financial goals.
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