Need help managing your finances? Check out these top budgeting apps for saving and investing. These are the best personal finance apps for iPhone, iPad, and Android phones and tablets to help you stay on top of your finances. I cover my favorite (Top Budgeting apps) free apps as well as a few paid versions that are worth every penny.
Five Top Budgeting Apps – Helping You Stay On Track
Saving money doesn’t have to be painful and difficult. There are a lot of easy, little things we can do to start saving money. Sometimes all it takes is an app to help you organize and help you create a better budget.
If you are looking for an easy electronic way to help you get a budget going, there are many budgeting apps available. Some are free, and some may cost a little, but are still a good value. Here are a few choices so you can compare and decide what is best for you. The apps below are my Top Budgeting Apps, available for IOS and Android systems.
Many applications are designed for general personal budgeting, but each has something unique to offer.
All Links below are for iPhone. Please search your phone’s app store for availability.
Pay A Little, but Worth it:
REALLY!!! I understand that this is site is consistently Inspiring you to Save. I for one, am looking for what is cheap or free. But sometimes paying for something can actually save you money. And in this case, I think the following apps might just be worth the few extra bucks.
Home Budget with Sync ($5 in app store purchase) – If you want a budget app to be useful to you and your spouse, this app syncs to the cloud so you can both access it. It is fairly easy to set up and not too complicated to use. You do have to manually enter in data, though.
You Need a Budget (YNAB) (Offers a free, trial then pay a monthly fee) – The software will sync between your computer and phone so you can keep everything up to date easily. This app gives you both a high-level view and very detailed, depending on what you need.
Rather than relying on traditional budgeting buckets, you build your budget based on your income, giving every dollar a job in your budget. The app is great for individuals or couples working together on their budget.
FREE – Best Budgeting Apps
With any free budgeting app, please make sure that you do your research and check out the available options that will suit your family’s budgeting needs.
GoodBudget is a free app with additional paid features, prices starting at just $7 a month.
Formerly known as Easy Envelope Budget Aid or EEBA, Goodbudget is a perfect option for couples that want to share their budgeting process together. It uses the familiar envelope budgeting philosophy to power your proactive budget for all of your bills and spending.
It is great for couples with shared finances while working great for solo budgeters as well.
Wally – This app takes a simple approach. Wally will track your expense and income each month and project your savings. It is more of a spending vs. income vs savings tool than a budget per se, but this could work for you if you don’t need or want a lot of details.
One major benefit of Wally is its built-in support for virtually all foreign currencies, which makes it a better option for those who live outside of the United States.
Dollarbird – This app helps you create a budget. You still have to manually enter your expenses, but it is designed well and is very user friendly. This app is perfect for a single person but could work for a couple without any unusual expenses or income.
There is no registration of Bank Account data with this app, which is a plus for some people. One thing I do enjoy about this app is it allows you to get Personal Reminders when bills are due!
PocketGuard – a free budget app that connects your checking, credit, and savings accounts and detects recurring bills and income. Then it shows how much is available for everyday spending by subtracting upcoming bills, savings goal contributions, and pre-budgeted money from your estimated income. PocketGuard automatically categorizes your expenses, but you can also create custom categories and set limits for them. Bonus: If you really want to dig deep, PocketGuard lets you export transactions so you can play with the data in your own spreadsheets.
Best Budget apps, Plus More:
Mint- This free app is more of a financial tool than a pure budgeting app, but worth considering. This app takes out much of the manual requirements and does it for you. Mint has something for everyone and is great at tracking multiple accounts and summarizing your finances each month.
You can also import your Information from Mint into a spreadsheet program like Tiller, which is great for keeping greater detail of your budget expenses.
Do your research and try some apps until you find the one that works best for you. Whichever you choose, you will be on a better financial path. Do you have an app not listed that you love? Please share with us your favorite budgeting app.