4 Best Budgeting Apps

There is no doubt that in today’s electronic world, where everyone has a computer at home and a smart device in their hand, managing your budget can be a relatively simple task.

Some of the apps are simple in that track your spending and report back to you what comes in and what is going out.

Other apps are more complex in that they will help track and manage bank accounts, credit cards, loans, investments, and other financial accounts.

Please note, most budgeting apps have an annual or monthly subscription. Here are the four best budgeting apps right now.


This free app makes it easy to take control of your personal finance and stop overspending. With its intuitive money management tools, you can create a budget and track your expenditures automatically.

Link your bank accounts and credit cards and track everything from account balances and transactions to net worth and more in one place.

Personal Capital

While primarily an investment tool, the free app includes features helpful for budgeters looking to track their spending.

There is a wide range of accounts that can be connected and monitored, including checking, savings, credit cards, IRAs, 401ks, mortgages, and loans as well as IRAs and 401(k)s.

Among the cool features of this site is the way it provides you with a detailed overview of your net worth.

It provides you with an accurate view of how much you own and how much you owe. Understanding this number can help you make smarter decisions about how to manage your money.

You Need a Budget (YNAB)

As most budget programs are set and forget it. This is the problem: once you set it, you forget it and you drift away from your spending plan. The beauty of YNAB is that it is flexible and dynamic, and allows you to adjust your spending plan as you need to.

What really makes You Need A Budget different is that they can teach you how to manage your money and get ahead for good.

What if your bills rolled in and instead of piling up, you just paid them? No sweat. What if you didn’t even realize it was payday because you had money in the bank and weren’t desperate for that check to arrive?

Forget everything you think you know about budgeting and prepare to experience total control with their award-winning app.


Mint is the money management app that brings together all your finances. All of the key information about your money, such as balances, budgets, credit health, and financial goals, are now in one central place.

The service offers personalized insights to spend smarter, save more, and pay down debt. They help track your net worth, spending, and budget to find opportunities to save.

One thing to note is that they are owned by Intuit, the same company that owns TurboTax and Quickbooks, two very big important financial tools in the marketplace to help you with your taxes as well as your financial records.

Having that connection might provide some additional services to help you with your finances and align you with your goals, wishes, and needs.