Managing money can be an intimidating prospect for many – but it is still an essential move. Thankfully, there are plenty of online tools available to make the idea of money management more approachable these days. For example, hundreds of new money management apps are on the market every year.

Apps designed to help with budgeting can be a life-changer, though it can sometimes be challenging to find the right one for you. Here are some of the top financial apps designed to help with budgeting.


Mint is one of the best overall finance apps available, meaning that it is perfect for those trying to get a handle on their budget or finances. To set up an account, one needs to plug in their credit and debit cards. The app will then go through all of your transactions, laying out how you typically spend your money. Mint can help track bills and spending and create a new and healthy budget. Best of all, Mint is free.


If you’re searching for an app that helps plan finances, then Goodbudget is a good choice. It allows users to create an envelope budgeting system. In other words, it helps users portion out monthly income and spending. Goodbudget has two account tiers, a free and plus version. The plus version costs $7 a month or $60 a year. 

Personal Capital

Personal Capital is a budgeting app that offers everything from investment management to spending tracking. It is sensitive enough to track day-to-day spending while capable of showing a broader overview as well. To set up an account, users will have to link their bank accounts, credit cards, and other financial accounts to establish a budget.


Are you trying to cut down on spending? Consider an app like PocketGuard. This app is specifically designed to help people cut down on their spending (and overspending) habits. It tracks spending habits, income, and more to help users reach their financial goals. Potential users should note that PocketGuard is not free, so look to one of the free alternatives if this is an issue.


Sometimes your typical budgeting app doesn’t cut it, especially when tracking finances for couples. That’s where apps like Zeta come into play. Zeta was designed to help couples (regardless of joint/separate financial status) sync their accounts, spending, budgets, and plans.