Managing your money can be challenging, especially in times of uncertainty and volatility. Fortunately, there are many finance apps that can help you budget, save, invest and track your financial health. Whether you want to create a personalised plan, get expert advice or simply monitor your spending habits, there is an app for you. In this article, we look at some of the best finance apps available for iOS and Android devices.
Mint App
Mint is one of the most popular and comprehensive financial apps on the market. It allows you to link your bank accounts, credit cards, bills and investments, giving you a complete overview of your financial situation. You can easily create and follow a budget, track your spending by category, set goals and receive alerts and reminders. Mint also gives you access to your credit score and tips on how to improve it. Mint is free to use, but you can upgrade to Mint Plus for $4.99 per month for more features, including custom categories, unlimited budgets, and priority support.
Mint Budget
Mint Budget is a feature within the Mint app that helps you plan and manage your money. You can set a monthly budget based on your income and expenses, and Mint will automatically categorise your transactions and show you how much you have left to spend in each category. You can also adjust your budget as needed, and Mint will give you feedback and suggestions to help you stay on track. Mint Budget is a great tool to help you manage your spending and achieve your financial goals.
Mint Open Banking
Mint Open Banking is a feature within the Mint app that allows you to securely connect your bank accounts and access your financial information. Mint Open Banking uses a technology called Plaid, which is a platform that allows applications to connect to users' bank accounts. With Mint Open Banking, you can link your bank accounts, credit cards, bills and investments and get a complete overview of your financial situation. You can also benefit from Mint's features such as budgeting, spending tracking, goal setting and credit score monitoring. Mint Open Banking is free to use, but you can upgrade to Mint Plus for $4.99 per month for more features, including custom categories, unlimited budgets, and priority support.
Best Budget Apps
If you are looking for an easy and effective way to budget your money, there are many apps that can help you. Some of the best budget apps include
- You Need a Budget (YNAB): This app is based on four rules to help you break the paycheck-to-paycheck cycle, get out of debt and save more money. You can sync your bank accounts, assign a task to each dollar, and track your progress. YNAB costs $11.99 per month or $84 per year, but you can get a 34-day free trial.
- Goodbudget: This app uses the envelope system, where you allocate a certain amount of money to each category, such as food, rent or entertainment. You can sync your transactions, track your spending and plan for the future. Goodbudget is free for up to 10 regular envelopes and 10 annual envelopes, but you can upgrade to Goodbudget Plus for $7 per month or $60 per year for unlimited envelopes and more features.
- PocketGuard: This app helps you reduce your bills, optimise your spending and increase your savings. You can link your bank accounts, credit cards and investments, and PocketGuard will analyse your income and expenses and show you how much you can spend in each category. PocketGuard is free to use, but you can upgrade to PocketGuard Plus for $4.99 per month or $34.99 per year for more features such as custom categories, cash transactions and advanced reporting.
Android Budget App
If you have an Android device, you have many options for budget apps. Here are some of the best Android budget apps:
- Mint: Mint is one of the most popular and comprehensive finance apps on the market. It allows you to link your bank accounts, credit cards, bills and investments, giving you a complete overview of your financial situation. You can easily create and follow a budget, track your spending by category, set goals and receive alerts and reminders. Mint also gives you access to your credit score and tips on how to improve it. Mint is free to use, but you can upgrade to Mint Plus for $4.99 per month to get more features like custom categories, unlimited budgets and priority support.
- Wallet: Wallet is a budgeting app that helps you manage your money, plan your spending, and achieve your financial goals. You can link your bank accounts, credit cards, and other financial services, and Wallet will automatically categorise your transactions and show you your balance and spending patterns. You can also create custom budgets, set goals and track your progress. Wallet is free to use, but you can upgrade to Wallet Plus for $3.99 per month or $27.99 per year to get more features such as bank synchronisation, unlimited accounts and shared wallets.
- Spendee: Spendee is a budgeting app that helps you track your income and expenses and see where your money is going. You can link your bank accounts or manually add your transactions, and Spendee will automatically categorise your spending and show you your cash flow and budget. You can also create custom budgets, set goals and share your finances with family and friends. Spendee is free to use, but you can upgrade to Spendee Plus for $1.99 per month or $14.99 per year to get more features like unlimited wallets, multiple currencies, and bank sync.
Free Budget Software
- GnuCash: GnuCash is a free and open source accounting software that can help you manage your personal and small business finances. You can track your income and expenses, create budgets, monitor your investments and generate reports. GnuCash supports multiple currencies, accounts and tax options, and can import and export data from various formats.
- Money Manager Ex: Money Manager Ex is a free and easy-to-use personal finance software that can help you organise your finances and plan for the future. You can track your income and expenses, create budgets, manage your assets and liabilities, and view graphs and reports. Money Manager Ex supports multiple currencies, accounts and categories, and can import and export data in a variety of formats.
- HomeBank: HomeBank is a free and easy-to-use personal finance software that can help you analyse your finances and budget your money. You can track your income and expenses, create budgets, manage your accounts and view charts and reports. HomeBank supports multiple currencies, accounts and categories, and can import and export data in a variety of formats.