Best Budgeting and Personal Finance Apps

To determine how you spend your money, download a budget-tracking app on your smartphone. Additionally, when you are interested in saving something down the road and tracking your expenses, there are plenty of apps to help you log your expenses, set a budget and do more micro investing. As well as these apps, you may also wish to get into some good money-saving habits, including checking sites like Raise ( to see what coupons and codes are available to help you save money with some of the top retailers, including Target. Below is a selection of the ten best free finance and budgeting apps for iOS and Android devices.

Best Budgeting and Personal Finance Apps

  1. PocketGuard (Android, iOS)

PocketGuard is an all in one budget management and bank account tracking app which shows you the balance of your bank account and how much money you can afford to spend in a day. Through an encrypted connection, the app is directly connected to your bank account allowing you to quickly monitor your transactions as well as your accounts while remaining secure. The app automatically sorts your bill payments, subscriptions, and purchases. It uses your previous spending factors to quickly estimate how much you can safely spend without getting broke.

  1. Wallet (Android, iOS)

Wallet is a neat finance and budget mobile app that comprises of many features such as support for multiple currencies. The app does automatic bank syncing for your expenses and balance. It also allows you to manually import entities and label transaction for easy tracking of your budget. Financial insights, other metrics, and prediction display have been made with easy visualizations for easy planning of finances. More features include widgets, bank syncing, and more detailed reports and charts.

  1. Clarity Money (Android, iOS)

Clarity Money is a personal finance app assisting you to save money in various ways and manage your budget. Users link their bank accounts with the app. The app looks for clarity and analyzes your spending behavior, and identifies opportunities to save money such as coupons and discounts for your bills. Additionally, it points out subscriptions that are not suitable for you, thus helping you track your spending and build a budget. With Clarity Money, users can also set a saving goal as the app takes some money periodically from your bank account and deposits it in a saving account.

  1. Wela (iOS)

Wela is another personal finance app resulting in the right approach to financial management. Users can link their bank account to get a quick overview of their financial situations and also unleashing Wela’s AI assistant to get financial advice. The user can categorize and track their expenses as well as monitoring their income. It also provides an overview of net worth and linked investments. The AI chatbot offers savings and finance advice depending on your personal goals and even you can get premium services if you open a Wela strategies investment account.

  1. Fudget (Android, iOS)

Majority of mobile budgeting apps lack good features. With Fudget, it is easy to operate, and you can use the app on the go. On one side you are required to add your income and the other hand you add expenses. All of this can be reordered and labeled on a simple timeline displaying your balance at the bottom. Adding each entry allows you to either delete it or set as a recurring entry. Due to this, no saving categories, no folders, graphs, photos or other gimcrackery. Internet users will be left wanting more as they are used for fast expense logging. The app is easy to use, has a built-in calculator and no advertisements.

  1. Spendee (Android, iOS)

Spendee comes with great budgeting and tracking tools. Additionally, it features a brightly colored and user-friendly interface. Users can easily categorize and input expenses with total receipts and photos. Allows easy viewing of your costs in a feed view and the overview mode offers useful infographics of how you spend your money. Additionally, it provides a breakdown of categories and items you are spending on. There is also a budget creation tool which is better than an expense tracker making it a proper budgeting app. You can enjoy bank account syncing as well as shareable saving wallets, multiple budgets, and cross-device syncing.

  1. Acorns (Android, iOS)

Acorns is a micro-investing mobile app that grabs the spare change from your purchase and invests it into exchange-traded funds. This slowly builds up your money for future use. When adding your bank account, you are provided with a questionnaire to fill out your financial goals and status. The app will then suggest a mix of exchange-traded funds suitable for investment. Every time you do a transaction using your linked bank account, the app rounds up your change to the nearest dollar to invest thus building your portfolio over time. Users are allowed to set up a one-time, recurring investment instead of being charged per transaction.

  1. Albert (iOS)

Albert partners with various financial institutions to allow users to get helpful information and advice with the ability to take action from the app. Firstly, it syncs your financial information from all your accounts and then provides a suggestion. These recommendations include; purchasing insurance, repaying credit card loan with low interests, or setting up a retirement plan. With an Albert account, you can withdraw money at any time or save automatically with no fees. Additionally, the app lets you view your bills, income, spending, and categorized transactions across all your accounts.

  1. Dollarbird (Android, iOS)

Dollarbird takes a cooperative, calendar-centric approach to perform expense tracking and budgeting. You can remove, add, or edit past and future income and expenses in a calendar style view with the help of AI to categorize your entries. Then you can view your income and expenses in a timeline mode and calendar, or via a web interface

  1. Honeyfi (Android, iOS)

Honeyfi is an app built while considering households in mind and collaborative budgeting. With the app, you can quickly set up a household budget. Additionally, you can link your household and individual accounts to the app for viewing all your expenses together. You can tag transactions, create categories, add comments, and let the app automatically recommend a budget for you.

Conclusively, what budgeting apps do is clearly showing you how to spend your money together with presenting you with choices on stuff to spend on depending on your financial limitation. It saves you the grief of overspending or having many debts.