The 11 Best Budgeting Apps for $0

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Updated on Wednesday, July 28, 2021

budgeting apps

With the New Year just around the corner, many people will make the resolution to set and maintain a budget.

The reasons for deciding to set a budget vary. Perhaps you own your own business and want to be better at separating your personal and business expenses. Maybe you recently got married, and you and your spouse want to combine your finances as seamlessly as possible. Or perhaps your credit card debt has reached an all-time high, and you’ve resolved to finally get it under control.

Whatever your reason for budgeting may be, there are many apps that can help you on your journey. The best part? The following apps won’t cost you a penny. Take a look.

1. Mint

Mint Budgeting APP
What it’s good for: Budgeters who want analytics and savings recommendations.
Available for: Apple App Store/Google Play

You’ve probably heard of Mint before — it’s included in nearly every roundup of the top budgeting apps. That’s because it has numerous capabilities and analytics tools, and has been around for 12 years. With this app, you can see your entire financial picture: credit card balances, bank accounts, bills and investments, among others. Mint also allows you to access your credit score for free.

The app also offers analytics information like trends and recommendations for how to make the most of your savings. You can also set monthly budgets to keep yourself accountable in the future.


on Mint Budgeting’s secure website

2. Buxfer

Buxfer Budgeting App
What it’s good for: People who want an easy-to-use app with basic budgeting tools.
Available for: Apple App Store/Google Play

Buxfer is fairly easy to use, with a simple interface that even the least tech savvy people could likely understand. You can sync all of your accounts with Buxfer so your entire financial picture is in one place. The dashboard shows a handful of numbers: your net worth and net loaned, the balance of your budget, your income and expenses. The app also features reports of spending over time (by week, month, or year) in which you can see a breakdown of how much you spent on things such as food, bills and shopping.


on Buxfer Budgeting App’s secure website

3. Wally

Wally App
What it’s good for: People who don’t want to link their bank accounts to a budgeting app, but do want to track spending.
Available for: Apple App Store/Google Play

Worried that you spend too much money eating out on the weekends or shopping online? Wally might be the app for you. This app allows users to manually input and track their income and expenses, ideal for people who only want an app for tracking their spending habits and nothing more. Plus, the app doesn’t require that users link their bank accounts. You can take photographs of receipts and input them into the app, too.

There are two options when downloading this app on iOS: Wally Lite and Wally Next. Wally Lite is a simpler version, while Wally Next offers more complex features like analytics and options for joint accounts.

4. EveryDollar

What it’s good for: People looking for a no-frills method for setting and sticking to a budget.
Available for: Apple App Store/Google Play

EveryDollar comes from Dave Ramsey, popularizer of the snowball method for paying off debt and author of “The Total Money Makeover.” Although there is a paid option for this app ($9.99 per month to automatically link all of your accounts), a free option is also available if you manually input your information.

The app is fairly simple: You input your monthly salary, plan your expenses (things like groceries, bills and utilities) and then track your spending each month.


on EveryDollar ’s secure website

5. Goodbudget

Good Budget Free App
What it’s good for: Those who like the old-school “envelope” system for budgeting.
Available for: Apple App Store/Google Play

Goodbudget is ideal for people who simply want to organize their expenses and aren’t looking for any fancy analytics tools. The envelope system for budgeting involves putting a certain amount of money in different envelopes ahead of time in order to stick to a budget. This app digitizes that method, allowing users to create virtual “envelopes” for things like groceries, eating out, rent, car payment and entertainment.

Users can also sync their account with a significant other. (This app was formerly known as EEBA.)


on Good Budget’s secure website

6. PocketGuard

PocketGuard Budget App
What it’s good for: People who want a simple, streamlined view of how much money they have at any given moment.
Available for: Apple App Store/Google Play

PocketGuard allows users to link their checking and savings accounts, credit cards, investments and loans in order to get an overview of their entire financial picture. In addition, the app tracks users’ spending by breaking down what goes toward various categories like eating out, entertainment and rent.

This app has an “In My Pocket” feature that takes all of the information from your linked accounts to tell you exactly how much available money you have to spend. One added bonus is that PocketGuard connects to Apple Watch.


on PocketGuard Budget’s secure website

7. Personal Capital

Personal Capital App
What it’s good for: Tracking one’s investment portfolio and net worth.
Available for: Apple App Store/Google Play

Personal Capital is the ideal app for people who are avid investors and/or have a decent amount of money to their name. The Portfolio feature allows users to input all of their investments (e.g. stocks, retirement savings, personal savings and other accounts) to get an overall picture of financial growth. The app also features a spending tracker tool and can be synced with Apple Watch.


on Personal Capital’s secure website

8. Simple

What it’s good for: As the name implies, those looking for a simple way to track their spending.
Available for: Apple App Store/Google Play

This streamlined app allows users to sync their bank accounts so they can set and stick to a budget. There is a section called “Goals” that functions similarly to the envelope system for budgeting. Create savings goals (such as your upcoming honeymoon or a new laptop) and decide how much you’d like to allocate toward each goal — the funds will automatically be distributed. Simple also has a feature called “Expenses” in which you can ensure you’ve already set aside what you need to each month for things like bills and rent.


on Simple’s secure website

9. Prism

What it’s good for: People with many monthly expenses, such as bills and subscription services.
Available for: Apple App Store/Google Play

Netflix, Hulu, Amazon Prime (and Spotify). If you subscribe to these services (and others) and want to see everything in one place, Prism might be the app for you. It allows users to see all of their monthly subscriptions, bills and income in one place. A calendar view shows when each bill is due so you can plan ahead and never miss a payment.


on Prism’s secure website

10. Tycoon

What it’s good for: Freelancers who want to keep their tasks and earnings organized.
Available for: Apple App Store

Whether you’re a graphic designer, writer or surfing instructor, working as a freelancer means organization skills are a necessity. If you’re successful as a freelancer but lack these skills, you might want to download Tycoon. This app lets you track all of your jobs and earnings in one place, while also offering a breakdown of what you owe in taxes. You can see which invoices have been paid and which are still pending, and the app will even alert you when invoices are past due.

11. LendingTree

What it’s good for: People looking to increase their credit score or take out a loan.
Available for: Apple App Store/Google Play

The LendingTree app is ideal for those looking to improve their overall credit. The app allows users to see their credit score with a performance review for each category that contributes to one’s score (e.g. payment history or amount owed). LendingTree’s app offers recommendations for how people can improve their credit score and save money. The app also allows you to shop around and see various offers for auto loans, personal loans, mortgages and other types of loans.


on LendingTree’s secure website

Regardless of the app you choose, you’re on the right track by finally deciding to set a budget and stick to it. Think about which features are most important to you and get started.