20 Budgeting Apps That Will Change How You Manage Money
Discover the 20 best budgeting apps that will revolutionize the way you manage money, save smarter, and take control of your financial future!
- Alyana Aguja
- 5 min read
Managing finances can be daunting, but the ideal budgeting app can turn things around by helping you monitor costs, eliminate waste, and achieve your financial targets. From zero-based budget apps to AI-based money insights, these 20 apps have every kind of money management in mind, whether budgeting as an individual, as a couple, or for a whole family. With robust automation, real-time synchronization, and goal-setting functionalities, these applications will revolutionize the way you manage your money and position you for long-term success.
1. YNAB (You Need a Budget)
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YNAB has a zero-based budgeting model, which asks you to allocate each dollar for a particular reason. This method is proactive, as it allows users to prepare for the future instead of only recording past activity. YNAB is offered on several platforms and has real-time syncing across devices.
2. Goodbudget
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Founded on the envelope budgeting technique, Goodbudget lets you assign chunks of your earnings to various expenditure categories. It’s less about monitoring previous expenditures and more about planning your money. The application is available for both iOS and Android platforms.
3. EveryDollar
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EveryDollar has a simple zero-based budgeting system. Users manually input income and expenses, dividing them into categories so that all dollars are assigned. The app also sends reminders for bill payments to stay on track.
4. Empower Personal Dashboard™
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Originally Personal Capital, Empower brings budgeting and investment tracking together. It has features for managing cash flow, tracking net worth, and planning for retirement. The app consolidates all kinds of accounts into one comprehensive financial picture.
5. PocketGuard
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PocketGuard makes budgeting easy by indicating how much disposable income you have after paying bills and necessities. It categorizes expenses automatically and gives you insight into your spending patterns. This prevents overspending and promotes responsible spending.
6. Honeydue
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Honeydue is intended for couples and enables partners to monitor shared finances while preserving personal privacy. It features shared expense tracking, bill reminders, and selective sharing of accounts. The app also features a chat component for the discussion of financial issues.
7. Copilot
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Copilot is commended for its elegant look and efficient budget monitoring features. It provides spending insights, subscription tracking, and customizable categories. Copilot is currently available on Apple devices.
8. Monarch Money
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Monarch offers budgeting tools, net worth tracking, and investment tracking. It provides personalized advice and enables users to work with family members. The app is available on iOS and Android platforms.
9. Financielle
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Financielle is a budgeting application that provides planning features and money-saving challenges. It is designed to make personal finance easier and assist users in reaching their financial objectives. The application is compatible with iOS devices.
10. Rocket Money
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Previously Truebill, Rocket Money assists users in managing subscriptions and monitoring expenses. It provides bill negotiation, subscription cancellation, and budgeting features. The application is compatible with both iOS and Android devices.
11. NerdWallet
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NerdWallet’s application offers features to track credit scores, budgets, and personal finances. It delivers personalized information and suggestions to assist users in making sound financial decisions. The application is available for iOS.
12. Simplifi by Quicken
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Simplifi provides an efficient way to manage budgeting and personal finance. It gives spending tracking, bill reminders, and goal-setting features. The application is supported by both the iOS and Android operating systems.
13. Buddy
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Buddy is a budgeting application that enables users to budget and monitor expenses. It has features such as joint budgets, repeating expenses, and personalized categories. The application is compatible with iOS devices.
14. Juno
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Juno is a financial guide, that provides budgeting tools, investment monitoring, and financial guidance. It is designed to assist users in making wise decisions and realizing their financial objectives. The application is compatible with iOS devices.
15. Bobby
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Bobby assists users in monitoring subscriptions and handling repeat expenses. It gives an easy view of all the subscriptions, making it easier for users to cancel unused services. The application is supported by iOS devices.
16. Albert
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Albert provides budgeting features, automated savings, and financial guidance. It looks at your spending and income to discover ways to save money. The application supports both iOS and Android platforms.
17. Piere
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Piere simplifies personal finance with AI-powered insights, real-time syncing, and goal-tracking features. It aims to provide a comprehensive view of your financial health. The app is available on multiple platforms.
18. Moneyspire
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Moneyspire is a personal finance and small business accounting software. It tracks accounts, loans, bills, investments, and budgets, and allows for professional invoice creation. The software is available for Windows, Mac, and mobile devices.
19. Wally
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Wally is a budgeting app that emphasizes expense tracking and financial planning. It can scan receipts, monitor spending behavior, and establish financial goals. The app supports various currencies, making it perfect for international users.
20. Zeta
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Zeta is a budgeting application that is tailor-made for couples and families. It provides options for joint expense tracking, savings goal setting, as well as joint and separate account management. Zeta also has an integrated chat option for discussing finances.