5 Top Personal Finance Apps

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If you’re like most Americans, you’re grinding constantly. You have a day job, a side hustle, and maybe even a small business on the side. That’s on top of caring for your family! With so much time spent working, it can be hard to find the time and energy to stretch your paycheck just a little bit further to make ends meet.

But it doesn’t always have to be that way.

We know that choosing the right personal financial app from a sea of options is a slog. That’s why we’ve compiled a list of the five best personal finance apps out there to cover all your needs, from daily budgeting to long-term investment planning.

Let’s begin!

5 Top Personal Finance Apps

1. Personal Capital

Being an adult means having a lot of different balls in the air at any given time. You spend so much time and dedication taking care of everyone else around you that you don’t prepare for when you’ll have to take care of yourself-like during retirement.

Personal Capital is our top choice for those who know they have to invest in their future but don’t know where to start. It’s a one-stop shop for wealth management!

You can choose to learn your way around the app on your own or hire one of their financial advisors to help you manage your money. They’ll work with you to create a personalized retirement plan that meets your specific needs.

There’s also a free budgeting tool to figure out where your money is going each month.

2. Spendee

It’s easy to lose a couple of dollars here and there. Maybe you gave a sad-looking kid at the park your sandwich because they forgot theirs at home, or you had to front the cash for office supplies when the budget ran low. Not to mention all the cups of coffee you need to make it through the day!

Spendee is an app that puts all your expenses in one place so you can see where your money is going.

You can even add cash transactions, which is perfect for those small, everyday expenses that can really add up over time.

Whether you need budgeting help solo or as a family, Spendee makes sure you’re always in the know about your finances.

Best of all? There’s a free version!

3. Mint

Our pick for the best all-around personal finance app on the market is Mint. It’s easy to use and packed with features that will help you save money, budget better, and improve your financial literacy. It also gives you a window into your credit score so you can track your progress over time.

Mint is great for busy people who need to quickly check in on their finances without spending a lot of time managing them. You can see all your accounts in one place, set up budgets, and get notifications if you’re overspending in any category.

While the ads in Mint can be a little annoying, they’re not nearly as bad considering all that the app has to offer!

4. EveryDollar

With everything on your mind, it’s tempting to just throw your hands up and say, “I’ll budget later.” But if you don’t have a plan for your money, it’s easy to overspend.

EveryDollar walks you through the process of creating a budget step-by-step so you can make sure all your bases are covered. It starts with your income, then adds in your fixed expenses like rent and student loan payments. From there, you can add in your variable costs like groceries and gas.

What we love about EveryDollar is that it’s so simple. There’s no room for confusion-which is perfect when you’re short on time!

All that convenience will come at a bit of a price, though: around $9.99 a month.

5. YNAB

Student debts are a constant source of stress for Americans. You want to succeed more than anything, but you can’t do that if you’re struggling under the weight of your debts!

YNAB, or You Need a Budget, is an app designed to help you get out of debt and stay out of debt. It connects directly to your bank account so you can see your transactions in real-time.

The interface can be a bit complex at first, but once you get your bearings you’ll be glad at how much control it gives you over your money.
While the app costs a bit more money than the others on this list, the free trial should give you a good idea of whether it’s worth the investment!

With all that’s going on in your life at any given time, it’s too easy to live paycheck-to-paycheck and let your finances slide. But by taking the time to budget and track your spending, you can make sure your money is working for you-not against you!

Take back the wheel by downloading one (or more) of the five apps we mentioned above. Whatever the financial matter most stressing you out is, there’s surely one on our list that will help you get where you need to be!


Bash Sarmiento

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