Budget and Personal Finance Apps

The key to living a financially healthy lifestyle is creating and following a budget. If you don't tell your money where to go, it tends to just disappear. It has never been easier to make and keep a budget, thanks to all of the budgeting apps on the market. We have looked for and reviewed the best budgeting app, and hope that this tool can help you make a good decision.

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Disclaimer: The editorial content on this page is not provided by any financial institution and has not been reviewed, approved or otherwise endorsed by any of these entities.

Mint Budgeting

Recommended:
Free and easy to use

Mint Budgeting

Free

Link all of your external accounts

Level Money

Recommended:
Keep on track of your daily "spendable" with this app

Level Money

Free

Free app with no hidden sales pitch

Hot Deals of the Week:
  • Buxfer Budgeting App

    Buxfer Budgeting App

    Free app with a great budgeting dashboard

    Go To Site

  • Good Budget

    Good Budget

    Free app that is very easy to use

    Go To Site

  • PocketGuard Budget

    PocketGuard Budget

    Free app that helps you plan for the future

    Go To Site

SHOWING 13 BUDGET APPS

How We Rank Products ?

 
Ratings

Free

Mint Budgeting APP

A+

Very Transparent

Pros:

  • Easy to use
  • You can set goals easily
  • You can link all of your accounts to create a budget easily
  • It’s completely free
  • You get your credit score for free

Cons:

  • Mint will try to sell you financial products that might not be right for you
  • The investment tools are very basic

Free

Buxfer Budgeting App

B

A little complex

Pros:

  • There is a great dashboard to give you an overview of your financial situation
  • You can quickly see if you are off budget in any categories.

Cons:

  • The app has fewer reporting options than other apps

Free

Good Budget Free App

B

A little complex

Pros:

  • The app is very easy to use.
  • You can link 1 accounts and have 10 envelopes for free.
  • 1 year Historic data is included

Cons:

  • To get more Envelops and History data you need to get paid app.

Free

Level Money App

B

A little complex

Pros:

  • Great news: it is completely free and there are no ads
  • The app links with your existing accounts, making it easy to import expenses.
  • Very easy to use
  • The app is focused on letting you know how much you can spend today.

Cons:

  • The number of features has been decreasing since the Capital One acquisition.
  • The recent update has led to a spike in user complaints about data entry and linking accounts.

Free

PocketGuard Budget App

B

A little complex

Pros:

  • The app focuses on the future and helps with projections.

Cons:

  • The app is overly simplistic and gives generic advice

Free

Wally App

B

A little complex

Pros:

  • It is completely free and there are no ads.
  • You can set savings goals.
  • There is basic tracking available.
  • You can upload and access pictures of your receipts

Cons:

  • The app doesn’t synch with your account, so you have to manually input everything.
  • The app does not perform very advanced analytics on your spending.

Free

Personal Capital App

C

Lots of fine print

Pros:

  • The app seems to do everything: from budgeting to investment planning, it has it all.
  • You can get an “investment checkup” – which is a review of your investment portfolio.
  • Available everywhere: iPhone, Apple Watch, Android and more.
  • Great reporting features to help you see how you are doing.

Cons:

  • You can’t customize your asset allocation for investments.
  • The budgeting tool could use a bit of work and is light on features.
  • You can’t create custom budget categories.

$7.92 monthly fees

Mvelopes Premier App

F

Way Too Complex!

Pros:

  • You can link 4 accounts and have 25 envelopes for free.
  • Makes it very easy to budget for future goals.
  • You can easily synch the app with external accounts
  • You can track your net worth.

Cons:

  • Historic data is not included.
  • You will be sold products and upgrades: beware!

Free

For 34 days

$5.00 monthly fees

 YNAB  Budget App

C

Lots of fine print

Pros:

  • The app is dedicated to a healthy financial life.
  • Great user interface
  • No ads

Cons:

  • This app is light on analytics
  • This costs $5 a month or $50 a year.
  • Not all desktop features are available on the app.

$1.66 monthly fees

HomeBudget App

F

Way Too Complex!

Pros:

  • You can easily create a budget
  • You can synch all of your accounts

Cons:

  • User reviews complain about a large number of bugs still yet to be fixed.

$8.75 monthly fees

Quicken Budgeting App

F

Way Too Complex!

Pros:

  • This app seems to do everything: from budgeting to investment planning, it has it all.
  • It will track your stock portfolio, and keep it updated with real-time stock quotes.
  • You can pay bills from within the app.
  • There are excellent budgeting tools to help you plan and stay on track.

Cons:

  • Keeping all of your banking relationships synchronized can sometimes be painful.
  • If you want to speak to a person, the customer service isn’t the best.

$1.99 monthly fees

Spendee app

F

Way Too Complex!

Pros:

  • It is easy to add transactions to the app.
  • Great user experience and very easy to use.

Cons:

  • You cannot make custom categories for income.

$1.99 monthly fees

BUDGT App

F

Way Too Complex!

Pros:

  • Great daily reminders to keep your budget on track.
  • You can export your data
  • Great user experience with no ads.
  • The app makes end of month projections to keep you focused.

Cons:

  • It’s only available in iTunes
  • It costs money: $1.99
  • You cannot synch your bank accounts. Instead, you have to input data manually.
  • The app is focused on daily decisions, and doesn’t do a good job of looking at the big picture and planning for the future.

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