Discover 28 different mobile applications designed to help you manage your finances effectively.

Discover 28 different mobile applications designed to help you manage your finances effectively. These apps offer a range of features such as budget tracking, expense monitoring, investment management, and more. With their user-friendly interfaces and reliable data analysis, these apps can help you gain control over your finances and achieve your financial goals. So, whether you're looking to save money, reduce debt, or build wealth, there's an app out there that can help you do it. Check out these 28 personal finance apps today and take the first step towards financial success!

For those seeking to optimize their financial management, we have some tips for utilizing mobile apps in 2024. In today's world, our phones are essentially our wallets, so let's ensure they are intelligent! Although budgeting may seem overwhelming, do not be discouraged by money influencers who shame you into following their methods (we won't mention any names, but someone rhymes with Rave Damsey). Whether you require an all-in-one money management app, a tool to track your spending patterns, a budgeting technique that suits your lifestyle, or a way to save some extra cash, there are numerous finance management apps available. For those who prefer traditional methods, we have over 100 budget templates that can be printed and utilized for private budgeting. So, let's take the first steps towards financial maturity by using your iOS or Android device. Finally, we must emphasize the importance of protecting your financial information. Therefore, we strongly recommend researching these apps before connecting them to your financial institutions or entering any sensitive data.

Discover the top personal finance apps of the year that are designed to assist you in managing your finances. Whether you intend to budget, save money, pay off debt, invest, or use coupon apps, these apps have got you covered. You can even manage your finances with another person using some of these apps.

1. Best Free Budgeting App: Mint

Mint is a popular personal finance app that consistently makes the cut for best app lists. It's a go-to option for many because of its exceptional quality. While there are other budgeting tools available, it's worth giving Mint a try if you haven't already. The app offers a free version to get started. It helps users pay off debt, increase savings, and monitor goals. Mint also displays credit scores, net worth, and has an abundance of user-friendly FAQs. It's a convenient way to view all your financial accounts in one place.

2. Best Financial App for Optimizing Finances: Albert

Albertis can be your personal finance consultant in your pocket. By analyzing your debt, accounts, and spending habits, it suggests effective ways to maximize your portfolio. You can easily categorize your expenses, monitor your spending, and stay updated with real-time notifications on unusual transactions, bill increases, and overdraft charges.

3. Best Financial App for Debt Payoff: YNAB (You Need a Budget)

Last year, I experimented with You Need a Budget and now I regret not sticking with it! This app is a game-changer for anyone looking to overhaul their spending habits. It's like bringing out the big guns in your financial arsenal.
What's great about YNAB is that you can try it out for free without providing credit card information. YNAB's philosophy is to "give every dollar a job" so that you're always aware of where your money is going. But that's not all we love about YNAB—we even had the founder, Jesse Mecham, on our podcast! In addition to the app, YNAB provides a wealth of educational resources and customer support to keep you on track. Plus, they prioritize privacy by using top-notch encryption for all data.

• * PocketGuard, for simplified budgeting
• * Fudget, for budgeting without syncing to your bank accounts

4. Best Financial App for Saving Money: Oportun (Formally Digit)

My perception of having control over my finances was transformed after using Oportun, the pioneering budgeting app. This app scrutinizes your expenses and discreetly transfers unnoticeable amounts of money from your checking account into a savings account. Each time I check the app, I am astounded at how much I have saved. Furthermore, my friend underwent a No Spend Month and was surprised to find an impressive $700 waiting for her in her Oportun account.

5. Best Financial App for Setting (+ Forgetting) Finances: Qapital

Similar to Oportun, Qapital also withdraws funds from your checking account. However, Qapital allows you to tailor your savings goals. You have the option to choose from paying off debts, planning a holiday, or simply creating a savings account. Additionally, you can set a “round-up rule” for your card, which rounds up your purchases to the nearest $2. An added feature is the ability to share your savings goal with a friend or family member who also uses the app.

6. Best Budget Tracker: Goodbudget

Here's another app that adds excitement to saving money. UseGoodbudget helps you stay on top of your finances by creating separate "envelopes" for your expenses. Keep track of your spending each day as you work towards paying off debt, building savings, or simply feeling more secure financially. The app is a great way to visualize your spending categories and is much more enjoyable than staring at a dull spreadsheet.

7. Best Financial App for Saving on Gas: Gas Buddy

Gas prices are through the roof, so if you're not already using it, download this app immediately. I'm completely hooked on Gas Buddy. All you have to do is enter your location, and the app generates a list of gas stations with prices sourced from other users. On weekends, I simply open the app, find the least expensive option in my vicinity, and fill up my tank.

8. Best Financial App for Saving on Bills: Trim

Be on high alert for future bills as Trim comes to your rescue. It's like having a personal bodyguard on your side, but instead of muscle, Trim wields the power to negotiate lower interest rates with your credit card company. Trim's ultimate goal is to save you money, but there's a catch. This financial app's pricing is determined by how much it saves you. The app is free to use, but Trim will take a 33 percent cut of the annual savings it secures for you.

9. Best Financial App for Investing Beginners: Acorns

In light of the GameStop phenomenon, many of us have become interested in small-scale investments. This curiosity led us to try out Acorns, an app that uses a technique called "micro-investing." Essentially, when you link your debit card to Acorns, the app quietly withdraws the remaining change from each transaction and rounds it up to the nearest dollar, gradually building up your investment portfolio.

10. Best Financial App for Wealth Management: Empower (Formerly Personal Capital)

Congratulations on building your wealth! It's an impressive accomplishment and we applaud you. Empower is an app that offers a comprehensive view of your finances, with added tools for wealth management. It includes investment snapshots, fee analysis, financial planning, cash flow tracking, education cost planning, and real-time net worth tracking. If you're looking for an all-in-one financial app, Empower is a great choice. Download it now and start tracking your investments and net worth on-the-go. You deserve it! Additionally, there are other investment apps available to help you manage your capital.

11. Best Retailer App: Cartwheel

Frequenting Target often?
Well, with the Cartwheel app, I am able to save a substantial amount ranging from $10 to $50 each time I visit. Moreover, I also utilize grocery store apps offered by my nearby stores like Sprouts and Vons.

12. Best App for Discount Codes: RetailMeNot

RetailMeNot is another option to save money. Simply open the app upon entering a store and discover the ongoing discounts or coupons. At the time of checkout, present the coupons on your phone for the cashier to scan.

13. Best App for Coupons: Honey

Lastly, make sure to get Honey if you haven't already. It's not a mobile app, but a browser extension that works just as well. Honey checks your online shopping cart for any available discount codes before you make your purchase. I was able to save a lot of money on my last West Elm order thanks to Honey.

14. Best Financial App for Shared Expenses: Honeydue

Not exactly thrilled about the idea of syncing your finances and financial goals with your partner or spouse? Yeah, me neither. But let's face it, sometimes it's necessary for those big-ticket items (ahem, a house, perhaps?) or planning for retirement down the line. Enter Honeydue, the app that lets you manage money with your significant other without a joint bank account. While the name may not be our favorite (it's based on the infamous "honey-do list"), the app itself is fantastic. It helps you share a financial snapshot with your partner, keep tabs on both shared and personal accounts, and stay on top of budgets, rent payments, bill reminders, due dates, and, of course, bills.