13 Best Budgeting Apps

YNAB is the acronym for “You Need a Budget,” and it is the best budgeting software that bases its system on the concept of “giving every dollar a job,” meaning every dollar you earn should be given a name and a purpose to fulfill. This is also called a zero-based budgeting system.

YNAB started in 2004 in the United States and is a subscription-based budgeting app that succeeds on a distinctive system of envelopes to help users get their finances under control.

Unlike most automated budgeting applications, YNAB insists on user control and core principles, such as assigning every dollar a job.

YNAB says that the average user saves $600 in two months and more than $6,000 during one year of using it. It is perfect for hands-on budgeters looking to control their finances and eliminate paycheck-to-paycheck living. YNAB works with Apple Watch, Amazon Echo, Alexa Devices, and other devices.

The YNAB platform runs on sophisticated technology supported by AWS to offer the highest level of security and even efficient risk management. The AWS evaluates constantly in the pursuit of meeting industry best practices in tandem with ISO 27001, SOC 1, and SOC 2 accreditation. YNAB, on its part, has its payment provider PCI-certified, so its users are safe while making transactions with it. All data is securely encoded using the most up-to-date 128-bit encryption when at rest. In case a customer needs help, YNAB offers award-winning email support services.

YNAB software can further perform integration options with numerous banking institutions in the UK and EU via API access initiated by YNAB developers. Users can also import Apple Card, Apple Cash, and savings with Apple Card transactions into YNAB.

Empower is an easy to use budgeting app that comes with a Robo-advisor-supported platform for investing, along with a set of free financial management tools.

Empower has an attractive budgeting dashboard that is robust and user-friendly. It helps in syncing financial accounts and easily keeping track of spending and cash flows on a

day-to-day basis. It allows you to track all your spending goals, including your investments, savings, bills, future goals, etc. On top of this, this award-winning dashboard is free to use.

Empower is recommended as the number one retirement planning tool by financial experts and one of the largest retirement planning companies in the world. The platform is one of the best investment and retirement planning applications with customizable solutions for your future.

Empower has over 18M Americans onboard, and Empower Personal Wealth originated from the acquisition of personal capital by Empower in 2020, which is headquartered in the United States.

Empower Personal Wealth has always been in line with the idea that customers would require proper customer support; hence, its support through dedicated phone lines and email support. The firm is mostly concerned with security, having multiple layered measures like 256-bit encryption and Multifactor Authentication that prevent the customer’s data from any kind of breach.

If you are looking for investment opportunities, Empower provides an investment account that supports over 150 mutual funds, commission-free stocks, and ETFs (Exchange-traded funds).

Empower manages an impressive $1.5 trillion for its customers, demonstrating its immense popularity.

EveryDollar is a simple budgeting app designed by financial advisor Dave Ramsey to help users create budgets confidently, track financial transactions, and gain insight into spending and saving habits. The app is most suitable for individuals and business owners due to its personalized recommendations for spending and saving, which make it a simple and quick budget creation app.

EveryDollar claims that, in the initial month of utilizing its budgeting tool, clients can discover an additional $395 that has been eluding their notice and reduce monthly expenditures by 9%.

Regarding possibilities for integration into the system, EveryDollar seemed compatible with many, including bank and credit card accounts. The app also links users to live customer support, which is equally central to the app’s value offer.

Dave Ramsey Solutions’ website, including educational blogs, podcasts, and workshops, may provide insights and support for using the EveryDollar app.

The application was first released in the United States on December 11, 2015, and serves over 10 million budgeters.

Goodbudget is a modern-age Envelope budgeting app based on the traditional envelope system. Goodbudget will help keep your budget limit in mind without having to carry a lot of actual cash in physical envelopes. Goodbudget is available on the web, iPhone, and Android and helps you get a grip on big expenses, split household expenses with a partner, and budget amidst a hectic day.

Goodbudget plans and saves for upcoming expenses while tracking your progress in debt repayment. It has the ability to sync across all devices to keep everyone on the same page when it comes to managing household finances. Goodbudget is the one to help make it real to live according to a preplanned budget that has been pocketed according to the envelope budgeting system.

Goodbudget is highly secure and prioritizes user data privacy by locking away the data with about 256-bit bank-grade encryption.

Goodbudget offers an in-depth customer help center in its Help section on its website, where you can tutor yourself on how to use the software and get help if you are stuck.

Goodbudget started in 2009 in San Francisco, USA.

Honeydue is the best budgeting application for couples to manage their finances together, and it’s free to download and use. Honeydue helps couples collaborate on money matters and organize their finances together in one place.

Honeydue supports over 20,000 institutions across five countries, including bank accounts, loans, and investments.

Honeydue bill reminder ensures you don’t miss a bill payment and its penalties. You can discuss easily with your partner or even ask questions about the transactions via the chat function. You can feel safe with the measures that Honeydue strictly follows; it observes strong industry standards and practices like data encryption at rest and in transit, SS/TLS, use of a valid passcode, and multifactor authentication.

The customers can get help from the Honeydue support team through email, and typically, they respond within 1 day. Also, a chat option is available on the app.

Honeydue is based out of San Fransico, USA, and came into existence in 2017.

PocketGuard is a complete budgeting package that offers end-to-end budgeting solutions to those who want to curb overspending. One of the most tedious activities in budgeting is manually entering expenses and bills, which PocketGuard evades as it easily syncs with all of your financial accounts, etc., to keep track of all your balances, debt, net worth, etc.

PocketGuard budgeting app helps one cut out over-expenditure by tracking income and expenses and understanding what the spending habit is all about. The platform helps you schedule and track all your recurring expenses, which helps you cover all bills on time and also alerts you on due dates and upcoming bills. PocketGuard budget app ensures the safeguarding of their customer identities and financial information by following industry best practices.

The platform adopts an intelligent algorithm to monitor and detect suspicious transactions and probably save your identity from scammers. PocketGuard actually builds the budget automatically based on spending habits while tracking income sources.

The security of financial data is the number one priority for PocketGuard. The security measures it adopted are in sync with common industry standards, such as privacy laws, including but not limited to GDPR and CCPA, to ensure users have protection over their information and thus usage and regular security reviews. Customers can also get support from PocketGuard via email or phone.

The company was founded in 2015 in California, USA, and has a customer base of over 1 million.

Oportun is a budgeting app integrated with full features that clearly paint a bigger picture of spending and income landscapes. An Oportun app ensures that saving goals and financial targets—from buying that house to buying a car and debt repayments—are set all the way to early retirement, which is just a click away. In short, Oportun spends, saves, and runs budgeting on all your wants, including managing your loan account.

The app will review the bank account to which it is linked on a daily basis through machine learning applied to your spending patterns and balance. It will then get the amount that one could save without much hustle and will move this amount to an Oportun account of preference for the customer, either savings or retirement.

Oportun aims to efficiently direct funds towards both significant and minor needs, ensuring monthly budgets remain manageable. It becomes a truly simple tool for anyone in search of passive saving. Oportun supports customers through channels like phone and email.

Oportun has not provided any security information on its website besides the fully encrypted app, but its cloud infrastructure provider is AWS (Amazon Web Services), which provides a full listing of security resources, from network security to encryption, access control, etc.

The app’s name was Digit, and it was acquired by fintech company Oportun in 2021. It is based in California, USA, and has over 1.9 million members.

Stash is a financial app best suited for individuals looking to build and grow their financial portfolios. Stash is equipped with almost everything that helps an individual save, invest, and budget from a single app. Use the Stash Goal feature to easily and automatically separate the funds from your online bank account into different areas for specific spending or savings categories.

Stash is an excellent budget planner for managing expenses, whether for rent, bills, groceries, or vacation savings. Simply enter the due date for each amount payable and rely on Stash’s timely alerts to ensure you make your payments on schedule.

In addition, Stash monitors all expenditures, organizing them into categories such as food, shopping, bills, etc. It offers insights to better understand spending patterns and assists in creating a monthly budget.

The Stock Round-Ups feature allows you to automatically invest your spare money in purchases made through connected accounts, which is a simple way to grow your wealth.

Stash self-regulates as a Registered Investment Advisor (RIA) and a fiduciary to offer unbiased advice at the same time that it keeps up with federal regulations.

Stash uses biometric recognition, such as fingerprints and facial scans, for account access. Support options are available through various channels, such as contact, email, and live chat.

Stash also offers access to a Robo-advisor investing service, retirement and brokerage accounts, as well as a debit card that earns stock rewards – all for an affordable monthly fee.

Stash was founded in February 2015 in New York City, USA, and has over 2 million subscribers.

Credit Karma is one of the largest fintech organizations offering end-to-end solutions for managing personal finances. Its platform allows you to link accounts and assets from over 17,000 financial institutions into one place to create organized visibility on expenses and account balances.

Credit Karma will track the growth of your net worth, monitor monthly cash flow, and further categorize it to have better granular insights. These monthly granular insights on spending habits help users figure out areas where money could be saved and invested. Once a month, Credit Karma runs a cash flow tracker to monitor how many accounts in which money comes in or goes out.

Credit Karma uses 128-bit encryption to protect data during transmission and at rest. Its credit management services and support technologies for online credit systems are ISO 27001 and SOC 2 compliant. While Credit Karma is slightly more focused on providing services within the United States.

Founded in 2007, Credit Karma has at least 130 million users across the U.S., U.K., and Canada under its parenteral company, Intuit, listed on the Nasdaq. In one of the major consolidations, the most popular budgeting application, Mint, was merged with Credit Karma in January 2024.

Credit Karma is based out of Oakland, California, USA.

Simplifi by Quicken is an app that will help one manage their finances much more easily to achieve financial well-being. As an award-winning budgeting app with a sleek interface, Simplifi consolidates all of your financial information in one convenient place. From money tracking to bill reminders to optional savings, do everything with this easy-to-use app.

Simplifi tracks money for you automatically and never lets your money be out of control. Simplifi sets a 100% custom spending plan on autopilot, giving you an automatic, more predictable way to work toward your savings goal.

Simplifi maximizes your financial management by offering automatic reporting with customizable options for spending, income, net income, and savings. Receive timely alerts for unusual transactions or upcoming bills to confidently take control of your finances.

Security is of prime importance with Simplifi; like data encryption, multi-factor authentication, and firewalls, their infrastructure has strong security guards in accordance with industry norms. Quicken offers telephone, email, chat, and community support for all of its Simplifi users. Third-party services that Quicken Simplifi integrates with are banks, as well as payment and other financial services.

Having served over 20 million customers for more than four decades as the top-selling app in its category, it goes without saying that your data is kept safe with industry-standard encryption measures.

Quicken Simplifi is based in California, USA.

Wally excels at assisting you in monitoring your daily expenses and income from every conceivable source, allowing you to customize the duration and specific amount towards achieving your financial goals. Wally app automatically liaisons your bank account from anywhere across the globe to support over 15,000 banks across 70 countries to track your net wealth, show insights into your spending pattern, and align everything with your financial pursuits.

Wally’s budgeting app is the best mobile tracking app, with many awards in its kitty, including Expense Tracker of the Year by Investopedia. Medici, an Italian banking, has called Wally a “global-best-in-class” personal finance app. Wally’s budgeting app is the first budgeting app with personal finance analysis, superpowered by the revolutionary AI assistant WallyGPT.

WallyGPT raises the bar for personalized financial insights above traditional charts and numbers. It provides plain and simple answers in real time to help users make informed financial decisions.

The Wally Budget app helps you put your expenses into perspective and get them under control. It tracks everything from spending and balances to your net worth and cash flow. Just to give you a glimpse, Wally will automatically track and categorize all your spending by going through credit cards, savings, loans, investments, crypto, etc.

In terms of security and compliance, Wally prioritizes user privacy by encrypting data end-to-end and complying with various privacy regulations, including PCI, ISO 27001, and GDPR.

Wally’s budget app is totally free, and you can use all its features without paying a dime.

Wally was founded in 2014, is headquartered in California, United States, and is trusted by millions of people worldwide.

Tiller is an automatic personal finance tracker working in flexible spreadsheets to keep daily finances, incomes, and expenditures in detail without ever having to make a manual data entry. Customize Tiller to automatically track all the budgeting, cash flow, and saving needs that are most important to you—and it will even support your debt pay-off strategy.

The most obvious aspect of Tiller is that it’s a single service that provides easy, effective personal finance management using Google Sheets and Microsoft Excel. The Tiller platform can be easily consolidated with a diverse range of financial sources, including banks, brokerages, and credit cards, making it easy to track all expenses in one place with customizable and prebuilt templates.

Users can also customize their budget spreadsheets with colors, formulas, and more, which enhances the user experience.

Tiller includes top-rated, US-based customer support, and the application supports 256-bit AES encryption.

Tiller was founded in 2016 in Seattle, Washington, USA, and is adopted by tens of thousands of people to navigate their financial arena and manage their money.

Rocket Money simplifies the process of overseeing your financial activities. It allows for the creation of an automated budget that diligently records and categorizes your expenditures, ensuring compliance with your financial strategy. With Rocket Money, eliminating unnecessary subscriptions is effortless, as it has the capability to identify and manage all your subscriptions. It converts the act of saving into a hands-free experience, enabling the platform to adapt and support you seamlessly without requiring any direct involvement from your side.

Rocket Money scans through your bills to find potential savings or negotiate better rates for you so that you don’t have to worry about overspending or overdraft fees again. Stay informed about where exactly each penny is going with its straightforward breakdowns powered by advanced technology designed to simplify expense management.

Rocket Money utilizes 256-bit encryption to secure your personal information. Its very high security standards are further reinforced through two-factor authentication features. Rocket Money is independently SOC 2 certified, ensuring it submits to independent, rigorous risk control standards and policies across the industry. Its integration options allow easy connectivity with various banks and financial institutions to simplify managing multiple accounts. Rocket Money serves its customers via phone, email, or live chat to assist with any queries.

Rocket Money was founded in 2015 and is based in Silver Spring, Maryland. It currently serves over 5 million customers and offers a free and paid version.