It’s a minimalist budgeting app that tracks one metric: your financial balance. Instead, you want a super simple budgeting app focused on income and expenses. But let’s say you don’t care about categorizing expenses or pouring over pie charts. Overview: A no-frills, cross-platform budgeting app.īudgeting apps can offer a lot of bells and whistles. Want to start investing but aren’t sure how? Read this next. And there are even tools to help you plan for how you’ll fund your children’s education. You can also analyze your portfolio allocation to ensure it’s in line with your long-term financial goals. For instance, Personal Capital includes a Fee Analyzer tool that will show you hidden fees in your investment and retirement accounts. At a basic level, the app will show you your current net worth and whether or not you’re on track to meet your retirement savings goals.īut you can also dig deeper if you want. Where Personal Capital stands apart, however, is in its investment and retirement planning tools.
You’ll also find tools for setting and tracking financial goals such as savings and debt paydown. The app automatically pulls in data from your financial accounts, showing you a summary of your spending and saving whenever you log in. On the surface, Personal Capital is very similar to Mint. Overview: If you want the data visualization of Mint with more advanced tools for tracking your investments, Personal Capital is the budget app for you. Platforms: Android, iOS, Apple Watch, Alexa, Web But if you’re willing to put in the work of budgeting every dollar, YNAB can help you finally take control of your finances. So if you’re looking for an app that passively tracks your finances, YNAB isn’t for you (check out Mint or Personal Capital instead). In addition to these budgeting features, YNAB also lets you set and track financial goals (big and small).įor the YNAB system to work, you need to actively budget. This helps you break the paycheck-to-paycheck cycle and focus on spending money you have now. Once you’ve connected your financial accounts to YNAB, the app then prompts you to plan how you’ll spend every dollar over the coming month. Instead of showing you a summary of what you spent the past month, YNAB focuses on proactive planning for the month ahead. And for the right person, this is a fantastic thing. You Need a Budget (YNAB) is the opposite of many of the hands-off apps on this list.
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Overview: A hands-on budgeting app that teaches you how to manage your money. Platforms: Android, iOS, Web You Need a Budget And if you’re trying to meet a particular financial goal (such as paying off credit card debt or saving for a home), Mint has tools to help keep you on track. In addition to financial accounts, Mint also lets you track assets such as property and vehicles. You can also get more granular, viewing a detailed breakdown of what you spent across different credit and debit cards. At a glance, you can view your account balances, ratio of cash to debt, and upcoming bills.
Mint solves this problem by showing you all of your finances in one place. And while online systems have made it easier to track each of your accounts, it’s still a hassle. How many financial accounts do you have? Between your checking, savings, credit card, and investment accounts, it’s probably more than you think. Overview: A tool that lets you see all of your financial accounts in one dashboard, Mint is our top budget app for most people. Whether you want to actively catalog each expense or passively track your spending habits, there’s an app for you on this list. That’s why we’ve done the research for you and compiled this list of the best budget apps. However, regardless of the budgeting approach you use, the right budget app can make it a lot easier to manage things.īut how do you find the right budget app for your needs? There seems to be a new budgeting service each day, making it overwhelming to choose one. At least, that’s how it can feel when you don’t have a budget.īudgets can be as simple or complex as you want it all depends on your financial situation and personality. If you don’t keep track of your money, it will disappear.
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