The Best Budget Apps
Admit it! We all like having enough money for everything we need and want, but it’s hard to not overspend when you don’t have a way to keep track of your budget. In this mobile world having certain apps can make your life a lot easier. There are TONS of apps out there that are for designed budgeting and saving. If you look in iTunes store there are 675 options to choose from! That’s way too many to try on your own and we all know that some apps are just a waste of time.
I’ve done the hard work of sorting through all of those apps to find the most useful ones. Right here you’ll find a list of the best budget apps for taking control of your finances and saving money! Plus, ALL of these are all FREE apps. Some have an advanced version with a price tag, but for every day needs it’s no issue to stick with the free version.
*This list is not in order from best best to worst or vice versa. These are all great apps, choose one that fits your own your personal needs and preferences best!
First up on our list of the best budget apps is Spending Tracker. This app keeps track of your income and all of your expenses. It has a nice, simple interface making it easy to use. In the app there breakdowns from each transaction that has been entered. You can see an overview in a pie chart or bar graph. This app allows you to track your budget weekly, monthly or yearly.
Do you have a hard time setting aside money to save? Automate it with this app! It checks your spending habits and saves a few dollars for you when you can afford it. There are no account minimums and withdraws are not limited.
Reader Review, “I love this app! I love that it automatically saves a little bit of money every few days. It makes it easy to save and not think about it too much.”
4.4 out of 5 stars
For ios or Android
This app compiles all of the weekly store ads into one convenient location. It makes searching for sales in your area quick and easy. You can search by brand, item or category. Browse the offers at your favorite store or find the best deals for each item on your grocery list. Inside the app there are coupons which are matched up with sales.
This budget app follows Dave Ramsey’s zero-based budget approach to money management. This will help you beat debt and save, too! Categories break down your spending and to where (and what) you are buying. Know where your money is at a glance. It only takes a few minutes set up a monthly budget on this app. As an added bonus, this app has no third party advertisements.
You Need a Budget (YNAB)
It’s no coincidence that the You Need a Budget app is included in my list of the best budget apps. YNAB is the perfect app for anyone who likes to have some flexibility in their budget. This app allows you to separate out all your bills by category and to move money from one category to another if your needs change .
Once your budget is set up it can show your how much you spent in previous months (and on what) and can then compare it to your spending in the current month. Sharing a budget with partner? This app can sync with other devices allowing a husband and wife (for example) to simultaneously keep track of expenses and balances.
Reader Review, “I’ve spent years trying other budgeting apps, some that my work even paid for, but they were always just a slight step above excel. YNAB is the first budget app I’ve used that actually helps us. Instead of throwing random budget numbers out that you hope to commit to, it’s a moldable number that you modify throughout the month.”
3.8 out of 5 Stars – NOTE: This is the newer improved version and has great ratings. The lower rating was for the older version which had problems.
For ios or Android
This is a great app to use when you share bills with someone, like roommates. Having all of the shared expenses written down can save you a lot of grief and arguments. You can keep track of individual balances, as well as set up email reminders. You can also use it to figure out the split costs for a group vacation. The unique usefulness of this app is why it lands a spot on my list of the best budget apps.
Ibotta is a personal favorite on this list of the best budget apps. This app will not keep track of your budget, but it will help you save. It is very user friendly. This app is like couponing except without the hassle! No coupon clipping, deal matching or worrying that that cashier might not be all that friendly when it comes to couponers.
You buy the groceries you would normally would and then snap a photo of your receipt to receive rebates on select products. There are new cash back offers added weekly. Offers you redeem add up in your account and once you have at least $20 you can cash out. As one idea to save money you could let the money build up for a year before you cash out. Get more in-depth information on iBotta here. P.S. you can get a $10 welcome bonus for free!
Reader Review, “Easy to use. You’re already shopping. You might as well make money doing it! The app has a lot of different store options to choose from, and even covers local chains.”
4.5 out of 5 Stars
For ios and Android
Next up on my list of the best budget app is DollarBird. This app can help you keep track of exactly what you spend your money on. From there you can make a plan and project how much money you will have in the future. It will remind you of monthly bills and has a an easy to use interface.
If you’re familiar with the cash envelope system then this app will make a lot of sense.With GoodBudget you can breakdown your income and expenses in virtual envelopes. You can look up transactions, add accounts and look at reports with colorful charts. It tells you right where are you in your spending and budget.
This app organizes your balances and activities on your credit cards, debit cards and bank accounts. It gives you detailed analytics and helps you look for any suspicious banking activity. This app is less for budgeting and more for keeping track of your credit score and working on bringing it up.
These last two apps are for Apple device only, if you use an Android phone feel free to skip these. This is another app that utilizes pie charts so you can easily visualize your budget in 1, 3 or 6 month increments. It allows you to enter transactions and compares your spending history making it simple, yet effective.
Reader Review, “This app is user-friendly. It makes a comparison between income and spending with pie charts. The best part about it is how easily it splits up what you spent $ on.”
4 out of 5 Stars
BestBudget is the last on my list of the best budget apps. This one has a different interface than the last app but it performs all the same functions. You can create unlimited expense or income budgets and compare previous budgets. Overall it’s an app that covers all the bases when it comes to budgeting and has some nice extra features.
4.5 out of 5 Stars on previous versions, this new version was just released.
Those are my top 12 picks for the best budget apps. Do you use an amazing app that I didn’t list? Let me know about it in the comments below!
Are none of these apps exactly what you’re looking for? Maybe my FREE Monthly Budget Worksheet is more up your alley. Check it out here!