15 Budgeting Apps for Every Financial Need

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Managing personal finances can be daunting in today’s fast-paced world.

With numerous expenses to track and financial goals to meet, staying on top of your budget is more crucial than ever. 

Add in various forms of payment, from cash to debit and credit cards, and it’s no wonder that trying to budget can make you want to pull your hair out.

Fortunately, technology has come to the rescue with many budgeting apps designed to simplify money management.

These apps offer a range of features, from tracking daily expenses and setting savings goals to providing insights into spending habits.

Whether you’re a financial novice or a seasoned budgeter, there’s an app tailored to your needs. Here are 15 options to help you better track your finances and get ahead.

#1. EveryDollar

EveryDollar is a simple zero-based budgeting app offering both free and premium versions.

The free version requires you to input all transactions manually and establish bill reminders, which might be desirable for those who want to be more hands-on with their budgeting.

Their premium version allows you to sync accounts for seamless tracking.

#2. YNAB

You Need a Budget (YNAB) is one of this list’s more well-known budgeting apps.

YNAB is another zero-based budgeting app that allows you to link all of your financial accounts, immediately letting you know how to break down your income for more effective cash management, which can be helpful for those who are just getting started.

#3. Goodbudget

Do you like to use the envelope budgeting method but need something digital to help you along the way?

Goodbudget is the best app for this method, helping you allocate a specific amount of money to each “envelope” (or category).

However, it should be noted that this app is very hands-on and requires you to input every transaction and update balances.

#4. PocketGuard

PocketGuard is perfect for those who just want to know how much they have at any given time. It allows you to link accounts and see how much you have left after your bills. It also gives you a snapshot of your net worth so you know what type of progress you’re making.

#5. Empower Personal Dashboard

Empower Personal Dashboard isn’t solely focused on budgeting, but it might be helpful if you’re focused on budgeting and investing.

While somewhat limited, Empower can help you invest your money, track and connect your various accounts, monitor your net worth, and identify your most common spending categories.

#6. Honeydue

Not everyone interested in improving their budgeting skills is working alone. 

Honeydue is one of several couple apps that allows couples to work together by syncing all their accounts and creating a budget that works for your joint lifestyle.

#7. Oportun

Some people struggle with specific budget categories, so hyper-focused apps like Oportun might be the right fit for them.

Oportun is a savings-focused app that allows you to put money towards multiple saving goals without having to do everything yourself. This makes it easier to grow your savings if you find managing that aspect difficult.

#8. Simplifi

Simplifi by Quicken is an excellent choice for those who want a budgeting app developed by a financial company they know.

Simplifi makes it easy to sync various accounts, get a personalized spending plan based on your income, and track spending in real time.

They even offer monthly bill and subscription tracking if you forget to account for those recurring expenses.

#9. Zeta 

Zeta is another excellent couple-centric (or even roommate-centric) app for multiple people to keep tabs on their finances.

Offering free services to help you make the most of your money, Zeta is a great budgeting app that allows you to sync accounts (for free, just to reiterate) and keep a handle on how both parties are spending their combined incomes.

They also offer a joint banking account and other banking services if you’re in the market for those, too.

#10. Tiller

Some people budget more easily when they can see their numbers in spreadsheet form.

Of course, doing it all via spreadsheet can be tricky.

Tiller takes the spreadsheet approach but eliminates the hassle by tracking expenses and income from various accounts and consolidating that information in real-time into a spreadsheet you can understand.

#11. Wally

Are you someone who travels often or happens to have expenses in multiple countries?

Wally is an app that makes it easy for users to track accounts handling multiple currencies, leveraging AI to identify spending patterns so you receive notifications about upcoming bills, no matter where you are.

#12. SupportPay

Budgeting can be tricky for couples supporting a child but no longer living together.

This is where SupportPay comes in.

SupportPay is specifically for parents who don’t live together but are raising a child. It allows them to share expenses and receipts, disputes, and other helpful features.

#13. Rocket Money

Rocket Money is probably one of the closest alternatives to Mint, a budgeting app that was shut down earlier this year. It offers everything you love in Intuit’s application.

Rocket Money is a true budgeting app that tracks synced accounts and labels all transactions. It also sends notifications when something demands your attention and offers additional services like bill negotiation.

#14. Buddy

Buddy is a good budgeting app for those needing shared budget support.

Buddy makes it easy to sync bank accounts, manage shared budgets, and ensure that spending is distributed fairly across all parties involved.

#15. Expensify

The majority of budgeting apps are focused solely on helping you track your spending and use your money wisely.

But what about saving money?

Expensify is a budgeting app for employees looking to track work expenses that they can report to their employer or use to take advantage of tax deductions.

This includes mileage tracking, receipt scanning, and other helpful features for the modern employee.

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