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.

Editorial 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. Some of the offers below are from our partners.

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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

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

  • Good Budget

    Good Budget

    Free app that is very easy to use

  • PocketGuard Budget

    PocketGuard Budget

    Free app that helps you plan for the future

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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