20 Budgeting Apps That Will Save You Time and Money
These 20 budgeting apps will make saving money and managing your finances easier, faster, and less stressful.
- Sophia Zapanta
- 5 min read
Budgeting isn’t exactly fun, but it doesn’t have to feel like a chore. The right app can track your spending, set savings goals, and even stop you from making impulse purchases (goodbye, midnight online shopping sprees). I’ve rounded up 20 of the best budgeting apps that do the heavy lifting for you—so you can keep more cash in your pocket with minimal effort.
1. YNAB (You Need a Budget)
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YNAB is designed to help users give every dollar a job, ensuring clear financial tracking. Real-time syncing allows couples to budget together without awkward money discussions. While not free, the potential savings outweigh the subscription cost. This app is ideal for those seeking a structured approach to budgeting.
2. Mint
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Mint functions as a personal finance assistant, connecting to bank accounts, tracking spending, and reminding users of bill due dates. The app is free, though ads may be a minor inconvenience. Its automatic categorization simplifies financial organization. It is a great tool for those who want an overview of their financial health.
3. PocketGuard
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PocketGuard answers the question, “Can I afford this?” by calculating safe spending amounts after covering bills and savings. The interface is clean, simple, and beginner-friendly. It is ideal for those who struggle with overspending. It helps users avoid accidental budget blowouts.
4. Goodbudget
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Goodbudget modernizes the envelope budgeting system without physical envelopes. Users allocate funds into different categories, such as groceries, rent, and entertainment. A hands-on approach for those who prefer manual tracking. It is ideal for couples who want financial transparency.
5. EveryDollar
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Based on the zero-based budgeting method, EveryDollar ensures that every dollar is accounted for before spending. The free version requires manual entry, while the paid version syncs with accounts. It is a great option for those looking to follow a structured financial plan and is recommended for users who want control over every dollar.
6. Honeydue
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Honeydue helps couples manage money together efficiently. It allows shared expense tracking, bill splitting, and subtle payment reminders. Financial privacy options maintain individual autonomy—a tool for reducing financial stress in relationships.
7. Fudget
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Fudget offers a minimalist approach to budgeting, focusing on income and expense lists without complex categories. No charts or intricate features make it ideal for simplicity lovers. Perfect for those who dislike detailed financial tracking. It is a quick and easy solution for straightforward budgeting.
8. Trim
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Trim acts as an automated finance assistant, identifying unused subscriptions and negotiating bills. The app helps users save money effortlessly. It is particularly useful for those who forget to cancel unnecessary subscriptions—a hands-free approach to optimizing expenses.
9. Zeta
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Zeta is designed for couples managing finances together. It tracks joint expenses, facilitates fair bill splitting, and sets shared financial goals. It offers a private mode for individual spending. It reduces financial conflicts in relationships.
10. Personal Capital
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Personal Capital is ideal for those looking beyond basic budgeting into financial planning. It tracks expenses, investments, and retirement savings in one platform. It functions like a financial advisor without the high fees. It is best for users with long-term financial goals.
11. Clarity Money
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Clarity Money helps users take control of spending by categorizing expenses and tracking subscriptions. It provides savings suggestions and a sleek interface for easy use. It is designed to make financial tracking visually appealing. It is a useful tool for those who want a clear financial overview.
12. Albert
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Albert offers automated budgeting, savings, and financial advice. Users can upgrade to Albert Genius for expert financial guidance. It is designed to simplify financial decision-making. It is ideal for those who prefer automated money management.
13. Qapital
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Qapital makes saving fun by allowing users to set creative rules, like saving a set amount per gym visit. The app gambles financial responsibility. Small, automated savings add up over time. It is a great fit for those who need motivation to save.
14. Wally
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Wally is ideal for detail-oriented users who want to track expenses, set savings goals, and scan receipts. The free version is robust, while the premium version adds more features. It is best suited for those who like seeing where every cent goes. It offers a hands-on financial management approach.
15. Spendee
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Spendee presents financial habits visually through charts and graphs. It supports multiple currencies, making it useful for travelers. It is ideal for visual learners who dislike spreadsheets. It also provides a clear snapshot of spending patterns.
16. Toshl Finance
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Toshl Finance adds humor to budgeting with its quirky interface. It syncs with bank supports and multiple currencies and sets savings goals. It is designed to make financial tracking enjoyable—a lighthearted option for managing expenses.
17. Mvelopes
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Mvelopes modernize the envelope budgeting method digitally. Money is allocated into virtual envelopes for different expenses, and spending stops once an envelope is empty. This method is perfect for those who prefer a strict budgeting system.
18. Money Lover
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Money Lover offers detailed spending breakdowns, budgeting features, and bill reminders. The interface is user-friendly and suitable for beginners. It also includes a debt-tracking feature, making it a great all-in-one budgeting app that helps users manage their finances efficiently.
19. Digit
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Digit automates savings by analyzing spending habits and moving small amounts into savings. The process happens in the background without requiring user input. It is ideal for those who forget to save manually. It is also a stress-free approach to growing savings.
20. Splitwise
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Splitwise simplifies expense splitting among friends, roommates, or partners. It tracks shared costs and eliminates awkward reimbursement requests. It prevents misunderstandings about who owes what. It is also a must-have for group financial management.