16 Best Quicken Alternatives: Personal Capital – free financial dashboard and wealth planner; Tiller – spreadsheet automation for full customization; You Need a Budget – best in class budgeting tool & mindset; CountAbout – can import data from Quicken; Pocketsmith – a budget planner, calendar, and projector; Mint – ad-supported budgeting tool; Banktivity – native Mac application.
Budget is a personal finance application based on the proactive envelope model rather than the reactive register model used by other home financial programs. It helps you setup and live by your. My Budgets is the easiest and most user friendly Budgeting App in the store. And best of all, it's free! The concept is simple: set up your Budgets for Shopping, Food, Entertainment and so on. Then enter your spending as it happens. The app then tracks your Budgets for you. This way you will soon.
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With numerous budgeting apps available on the market, it’s essential you know which ones are the best and what they have to offer so you don’t waste your time, money, and privacy.
The best budgeting apps take into account your lifestyle and financial situation, can be tailored to your budgeting style, and offer great customer service.
The primary reason you should use a budgeting app is because it helps you save money. These apps provide organization so you are informed, as you ought to be, of exactly where all of your money is coming from and going to.
Many people, once they start tracking their expenses, are shocked to see how much more money they spend than they think. Using a budgeting app will help you see where all of your money is going and thus, how you can cut back on your spending and save a significant amount of money.
There are a few different ways to keep track of your budget. Some people may prefer a budget template or spreadsheet, but many people prefer the convenience of a mobile app.
The 7 Best Budgeting Apps
All of these apps have something different to offer. The “right” app for you will be the one that meets your needs and fits with your own situation.
1. Mint – The Best Overall Budgeting App
This app, owned by Intuit, (which also makes QuickBooks and TurboTax), is widely considered to be one of the best budgeting apps. It offers numerous features that help you manage your money from a huge list of banks, brokerages, lenders, credit card companies, and other financial institutions.
Mint links up to any of these accounts and categorizes your spending habits in sections like gas and fuel, groceries, clothing, etc.
Another great aspect of Mint is it sends push notifications, alerting you when you have a bill payment coming up, an overly large purchase, or when you overdraw on an account.
Price: Free
Key feature(s): Mint sends push notifications for important transactions; no other app does this.
Device availability: iOS and Android
2. You Need a Budget (YNAB) – The Best Budgeting App for Hands-On Users
Like Mint, YNAB connects with your credit cards and bank accounts, importing any and all transactions into the app’s database.
YNAB differs from other budgeting apps in that it assigns a “job” to every dollar that comes into your account. The dollar can be assigned to living expenses, debts, investments, savings, and any other job you want that dollar to work towards.
With every dollar being accounted for, you can rest assured that no money will be wasted and that every dollar will be used on important things.
YNAB also has a great feature called “budget inspector”, which allows users to view a quick summary of their cash flow and expected spending.
Price: Free 30-day trial, then either $5 per month or $50 per year
Key feature(s): YNAB forces you to think about every single dollar you spend by assigning it a job.
Device availability: Desktop, iOS, Android, and Amazon Alexa devices
3. EveryDollar – The Best Budgeting App for Passive Users
EveryDollar is Dave Ramsey’s budgeting tool. That alone will attract a lot of users to this app.
This app creates a monthly budget. You start by adding your monthly income and then plan your expenses with a customizable template. All you do from here onwards is follow the plan you made and track your spending.
There is a free version and a plus version of the app. The free version allows you to create unlimited budgets, track transactions, and provides email support.
The plus version allows three additional features: the ability to connect your bank for faster expense tracking, viewing account balances with EveryDollar, and call-back support along with coaching calls.
Price: Free with limited features or $99 per year for all features
Key feature(s): Ease of use as it provides you with a customizable template.
Device availability: iOS and Android
4. Personal Capital – The Best Budgeting App for Investors
A combination of a robo-advisor and a finance app, Personal Capital is the perfect app for an investor.
The Personal Capital app is free to use, and there are some really nice features like net worth tracking, expense tracking, and reporting based on your investments. Net worth tracking is probably the strength of Personal Capital, and the app links to your accounts to automatically calculate and track your net worth.
As far as budgeting is concerned, Personal Capital can help you to track your expenses. The budgeting features and functionality aren’t quite on par with the other apps in this list, but the net worth tracking and reporting features (plus the fact that it’s free) make Personal Capital worthy of your attention.
In addition to the app, Personal Capital also wealth management services that are somewhat of a cross between a traditional advisor and a robo advisor. The account minimum for the investment services is $100,000. You can invest this money is numerous appreciable assets, from real estate to stocks. This app provides hands-off management and expert tax-harvesting.
Price: The app is free, the fee for wealth management is 0.89% of the total managed assets
Key feature(s): Is both a robo-advisor and a budgeting software so you are not only saving money but earning it.
Device availability: Desktop, iOS, and Android
Personal Capital - Free Net Worth Tracking and Investment Reporting
Personal Capital provides a free financial dashboard that features a net worth tracker (the easiest way to track your net worth), a retirement planner, budgeting tools, a fee analyzer, and more.
5. Wally – The Simplest Budgeting App
Wally allows you to enter all of your income sources and expenses manually, allowing you to view all of your personal finances at any time.
Though many may find this tedious, it’s beneficial to individuals with multiple accounts and/or those who worry about giving all of their personal financial data away.
A further benefit of this app is that it supports almost every currency in the world, making it a great choice for foreigners.
Price: Free
Key feature(s): Very simple software that gets the job done. It is also the best option for foreign countries not supported by the other apps.
Device availability: iOS and Android
6. Goodbudget – The Best Budgeting App for Couples
This is the best budgeting app for couples. It is based around the familiar and simple “envelope system” of budget planning, where couples pool all of their personal finances into the app and divide them into compartments.
At the beginning of each month, you place defined amounts of money into each envelope and renew at the beginning of the following month.
It is great for couples since Goodbudget allows multiple users to log into a single account across several devices.
You can also manually import transactions/expenses into your account(s).
Price: Free with basic functions and 10 envelopes or the Plus version with premium features and unlimited envelopes for $6 per month or $50 per year
Key feature(s): Allows you to add multiple users’ financial data into one account.
Device availability: Desktop, iOS, and Android
7. PocketGuard – The Best for Protecting Your Money
As you may have guessed, PocketGuard is the best for guarding your money and keeping you from overspending.
This app allows you to link all of your financial accounts and helps track your spending compared to your budget on a monthly basis.
It’s one of the easier apps to setup. Simply connect your accounts and PocketGuard will track your earnings, any bills, everyday expenses, and savings account(s).
This app has a unique feature that allows you to track each individual bill and find ways to save by providing suggestions on where to cut back and it even searches the internet for better deals on internet, cell service, and more.
Price: Free
Key feature(s): Provides great suggestions and better deals along with the normal budgeting software, saving you more money.
Device availability: iOS and Android
What to Look for in a Good Budgeting App
Though budgeting apps will vary in many ways, there are a few attributes that make a budgeting app good and all of them will share these.
1. An App That Suits Your Style
There are tons of budgeting apps on the market, with each one targeting specific individuals with specific wants and needs. Some are designed for individuals who want complete control over their budgeting. Others are designed for persons who want a laid-out strategy and template with which all they do is plug in numbers.
Some apps, as you will see in this article, help reinvest a user’s money to earn more money rather than just save.
2. Platform Availability
What good is a budgeting app if you can’t use it? Some budgeting apps do not work on certain devices such as laptops or iPads. It is important to make sure that the budgeting app you use (and possibly pay money for) is compatible with the device(s) you plan to use it on.
3. Good Customer Service
Technology can and does malfunction from time-to-time. There may be things that you don’t understand about your budgeting app and you need help with it.
The best budgeting apps ensure that you have access to great customer service and tech support.
They will allow you to contact them through a number of avenues, namely phone and email, and help you easily and comfortably.
If you are really bad at using technology, you may search for budgeting apps that offer extended customer service options. This is, however, probably not necessary since tech support will walk you through everything simply, on the phone or email.
READ NEXT: How to Create a Budget That Works
If you want to save money, budget for an upcoming purchase, or avoid the fees that come with late fees or overdraft fees (or some combination of the above), then an app can help. Use one of these to help you know when to spend some money, see where you waste money, or spring clean your finances with our list of the best budgeting apps for iPhone and iPad.
23 Sep 2020, by Christine Pamintuan
Honeyfi Couples Budget & Bills is a personal finance app. With Honeyfi, it’s easy to work together with your partner on money. Just link your accounts to the app, choose what to share with your partner, and see your finances – organized and categorized – in one place. Then start saving for your biggest financial goals together with automated savings feature.
Save for anything from a vacation to a wedding to a home
Automate your savings so you can save more and faster
Automatically sync your individual and household accounts to the app – bank accounts, credit cards, loans, investments
Based on your previous spending, Honeyfi automatically suggests a household budget
Create custom budget categories to track your spending the way you want
Split transactions to assign multiple categories
View searchable, categorized transactions across all of your accounts
Money Lover is the simplest finance application to keep track of expense and plan budgets ahead. Download Money Lover today to better manage your money and stay on top of budgets. SAVE MONEY for your financial goals with this budgeting app.
Keep track of your expense, income, debt, bill and payment within few taps on screen
Predict future spending and give you advice on how to stick to budgets
See all bank accounts report in one place, and better control your money
Enable you to set up PIN code or Fingerprint on your phone
Track your spending and see budgets' reports from everywhere you go
Set up recurring transactions and bill; get notification before due date
Track your debts and loans and payment & debt collection
Daily Budget Original is an easy, clean-looking budget app that will help you save your money. It will figure out your Daily Budget based on your fixed costs and income. Create wishes to save for bigger purchases and the money is automatically taken from your budget. A quick glance will tell you your next day's budget. You will be able to watch your budget grow as you stay below your daily income, which turns saving money into a fun “chore!” Features include a PIN for privacy, projected savings, automatic daily savings, Big Spendings, powerful analysis graphs, and an accumulative daily budget. Daily budget app review
See how your spending behavior affects your budget every day
See your budget grow
Turn saving money into something fun
Stay motivated
Free with in-app purchases
Daily Budget app review: a simple and effective way of saving money-2020
PocketGuard makes it easy and fun to stay on top of your personal finances. The app categorizes your monthly bills, expenses, and subscriptions into neat tabs and graphs so figuring out your finances is always fast and easy. Use the In My Pocket feature to see all of your available funds, balances, and spending across all of your accounts. Meet all of your financial goals while taking into account your recurring expenses and bills and your income to figure out how much money you can safely spend at any certain time.
See your spending categorized into Pockets
All accounts in one place
Detects and organizes your monthly bills
Get clear transaction details
Free budgeting app for iPhone and iPad
The free Mint app from Intuit helps you save more money and spend your money smarter. Pull all of your cards, accounts, and investments into one spot so you can stay on top of your spending, receive bill reminders, create a budget, and get customized tips. The app will suggest a spending goal so you can keep up with your lifestyle but still know how much you have spent. Want to save more? Just choose to increase your savings. It's easy! On iPhone only you also get your Credit Score and Updates to see a detailed view of the most recent changes to your finances. Charts and graphs will quickly show you where you're spending money, never miss a bill payment again, and the Trends feature helps you track your net worth, spending, income, credit cards, and cash over time. Mint app review
Safe and secure
From a trusted company
Easy to get started
Reviews your day-to-day spending and suggests a spending goal
Free budgeting app for iPhone and iPad
Keep Your Wallet In Check With ‘Mint.com’ AppBest iPad Apps For BudgetingBest iPhone Apps For Tracking BillsMint.com Personal Finance app reviewMint.com Personal Finance app review: stay on top of your spending
Visual Budget offers powerful analysis and consolidation features to help you manage your business and personal accounts. You can handle several accounts at once and sort them into different groups. Income and expense categories are automatically created based on a standard model. You can modify this list to suit different requirements should you wish to do so. You will be able to check off your transactions to make sure they match your bank statements, use the Overview tools to visualize the breakdown of your transactions, and see different graphs. The app comes with an example account so you can quickly become accustomed to how it works. Visual budget app review
Overview tools
Several different graphs
Example account
Expense and income categories are created automatically
Free with in-app purchase to upgrade to Unlimited
Visual Budget: Expense Tracking and Budget Management for iPad app review
Best Budget Free will help you keep to your budget. Create unlimited income and expense budgets either with or without recurring, and see the transitions for each budget. Features include the ability to add transactions to each budget, create custom reminders to help you manage budgets, choose custom date ranges of budgets to export, use AirPrint, and view the history of past circular budget. You can search your transactions by name, amount, and notes, set if the budget available amount is rollover or not, and set the budget name, type, amount, date range, category, and if no cycle or cycle by a specific date range. Best budget app review
Get reminders to help you manage your budgets
Create unlimited income and expense budgets
Choose custom date ranges of budgets to export
Use AirPrint
Easily export data to full version
Best Budget Free app review: create unlimited income and expense budgets with ease
The My Weekly Budget app (MyWB) helps you stop wasting money and start saving. You'll easily keep track of your spending and focus on a budget target for the current week. Just choose the day of the week you want to use as your start day, set a target budget for the week, enter your spending as you go, and instantly see your spending compared to your budget. Other features include a snapshot of how much of your budget you have used, the ability to review your spending patterns, the ability to export your spending information from MyWB to other apps, and you can view the full History of your spending. At the end of each period, you'll see a brief summary showing how well you did. My weekly budget app review
This seems especially important where there are data caps or outrageously expensive cellular data plans being used.We need a comprehensive and coordinated gate keeping strategy for all connections.Frank raises an interesting and important point. While Apple’s Application Level Firewall is great at putting on a good defense, monitoring your outbound traffic can be enlightening and possibly even a little disturbing. The app’s installation requires a restart, as it installs a number of its monitoring tools at a low level in your Mac’s operating system. Mac apps accessing internet. It can clue you in to which of your running applications are accessing and sending data to the Internet when you might not be expecting it to and it can help you to see if unexpected applications are sending data out when you don’t want them to.As it happens, there’s an app for that:, which you can download for free and use in demo mode to make sure it works exactly as you want it to. Once your Mac restarts you’ll immediately see Little Snitch at work and you may be a bit surprised by what you see.Little Snitch’s default behavior is to show you Connection Alerts—messages letting you know apps are attempting to connect to the Internet—and to ask if you want that app to send out data from your Mac.
Supports all international currencies
Review your spending patterns
Set your preferred date format
Create a list of your Favorite Categories
My Weekly Budget app review: keep a tighter rein on your spending habits
Best Budget App For Macbook
Life Budget is a personal finance and money management app. Figure out where you spend your money and learn to control your expenses with the app's useful, user-friendly interface. Create custom categories for your expenses and income with custom colors and icons. Enter your bills and have them recorded ahead of their due date using Life Budget. This feature also allows you to track certain expenses using tags. Save images of your receipts and the location of the transaction, get reminders before bill due dates, and submit periodic expenses and incomes.