InterServer Web Hosting and VPS

Good Personal Budgeting Apps

For many people, budgeting is a pain. It’s a necessary evil, something that we want to get out of the way as quickly and easily as possible. But if you’re armed with the right information and tools, you can transform this dreaded chore into an enjoyable experience.

If you’re looking for a budgeting app that’s easy to use, make sure it has good reviews and ratings. When researching personal finance apps you might be able to find some reviews from tech websites, but always check more than one source before making your final decision.

Good personal budgeting apps are the best way to help people better manage their money. There are a lot of people who don’t have good budgeting skills but there are also many people who do. A personal budgeting app can be a great solution for either. This article is designed to provide some of the best personal budgeting apps to help you better manage your money and finances. Whether you’ve struggled with managing your own finances in the past or if you just want to get started on a better financial path, these apps can be useful.

Budgeting can be a complicated mess, but there are a couple of apps that can keep everything under control. In this article, I’m going to share the best personal budgeting apps with you guys. These are apps that my wife and I use to keep our spending in check. If you’re interested in installing—or already have the app—then take a look at the list below.


A personal budget is an essential tool for keeping your finances in check, but budgeting doesn’t have to be time-consuming or difficult. Budgets can be fun, and the right personal budget apps make them much easier than you might think.


Mint is an excellent free budgeting app that allows you to track spending, create budgets and save money. The app also allows users to monitor their bills, get alerts on upcoming payments, and track their credit score. It even offers investment tracking features!


PocketGuard is a budgeting app that tracks your savings, bills, and spending. It has a simple interface and is easy to use. You can link your bank accounts and credit cards to PocketGuard and it will track your spending and categorize it. The app also lets you set up alert notifications when you go over budget on any category or bill.


Wally is a free app that makes it easy to track budgets and spending, set goals, and keep track of your net worth. With Wally you can:

  • Track budgets, spending and savings.
  • Set alerts for important dates in your life (like birthdays or paying off debt).
  • Take photos of receipts so you know where all those pesky charges went. It’s pretty handy!

Wally also has some cool social features: you can connect with friends who are using the app so that you can compare budgets or celebrate when someone hits a savings goal together. The app is customizable—you can choose which accounts show up on your dashboard, as well as how much detail each account shows (like how much cash was spent at Starbucks).


Inzolo is a free personal finance app that offers an easy-to-use interface and can help you manage your budget. With the tap of a button, you can create an account in minutes and begin paying bills and tracking spending in one place. If it’s been awhile since you’ve updated your financial situation, Inzolo also has tools to help with that as well.

It’s also great for tracking savings goals, which not every personal finance app provides. It doesn’t have every feature available on some other apps, but what it does offer works really well and it’s totally free!

Level Money.

Level Money is one of the most popular personal budgeting apps out there, and it’s easy to see why. The app connects to your bank account and analyzes your income and spending habits, then helps you create a budget based on what you can afford.

The app breaks down spending into three categories: “Safe,” “Spendable,” and “Worrying.” You can set limits for each category so that you know if you’re going over or under budget for a particular day, week or month. The level also shows how much money is available in each category at any given time—a feature that’s especially helpful if you want to see what’s leftover after paying bills or buying groceries (or whatever).

The level makes it easy to keep track of which expenses are getting spent where—for example: “I spent too much this month on restaurants”–and allows users to categorize their expenses further by adding notes like “This was an expensive purchase because I bought something really nice.” This way users can make sure they don’t forget anything when creating monthly budgets!


Prism is a free app that you can use on both Apple and Android phones. It can link to all your accounts, including credit cards, bank accounts, investments and loans. It alerts you when bills are due so that you don’t miss any due dates and lets you pay them right there in the app. You can also set up automatic payments for things like rent or car insurance so that it happens without having to remember each month or week.

You can also track your spending using Prism by inputting your purchases as they happen — no more keeping track of receipts!


Acorns is a micro-investing app that’s best for beginning investors. Acorns charge a $1/month fee, which is one of the most affordable options on this list.

Acorns has an intuitive interface and make it easy to set up your investments and keep track of them, making it an ideal choice for college students, who may not be familiar with investing yet but want to try their hand at it anyway.

Acorns automatically invest your spare change from debit card purchases into investment portfolios based on your risk tolerance level—so if you want to invest without thinking about where or how much money goes in, this is the app for you!


Qapital is a great app for beginners because it’s easy to use and automatically sets aside money for savings. It has a free version as well as paid plans, but in both cases, you can access the same features.

The beauty of Qapital is that it allows you to set up automated savings rules based on certain triggers—like saving when you don’t spend money or hitting your daily step goal—so that there’s no thinking involved on your end. The only question left is: how much do I want to save?

You can also choose whether or not this credit card will be used at an ATM or only for purchases made online, which would be useful if someone else has access to the debit card (e.g., a family member).

For budgeting beginners to experts, there are multiple apps out there to help you save and manage your money.

If you’re a complete beginner to budgeting, there are plenty of apps that are simple and easy to use. These will help you get started on the right foot, but may not have all the features that power users need. For example, Mint is one such app—it’s great for beginners because it has a simple interface and can be used across multiple platforms (i.e., desktop and mobile). However, if you want more advanced features like automated bill pay or recurring transactions, Mint may not have what you’re looking for.

If you’re an expert who wants more control over your finances with additional features that can save time in managing your money, then getting an app tailored specifically toward your needs might make sense. For example: YNAB (You Need A Budget) offers more tools than most other personal finance apps like creating custom budgets based on spending habits; setting up categories; assigning money values; sending yourself reminders about upcoming bills or deadlines (with notifications); etc.

Best free budgeting apps


Mint is the most popular budgeting app out there, with an estimated 10 million users. It offers free mobile and web versions, as well as a desktop program, so you can track your finances from anywhere.

The app automatically syncs with all of your bank accounts and credit cards via the internet, so once you’ve set up an account with them (which takes just a few minutes), everything will be ready to go. You can even connect multiple accounts if you have both business and personal ones.

Mint allows you to categorize purchases into easily recognizable categories like groceries or clothing—but it has room for more specific ones like “restaurants” or “travel.” The green horizontal bar at the bottom of each category shows its balance over time; use this visualization tool to see how much money goes where each month or quarter by comparing current balances against historical averages for that category. You can also add notes about each purchase if something seems fishy (like charging $20 worth of gas when gas usually costs $10).


Wally is a personal finance app that allows you to link your bank accounts and manage them from within the app. You can also set goals, track your expenses, and visualize your spending in order to better understand where your money is going. The app analyzes the data collected by tracking the user’s purchases, making it easier for them to see what they spend their money on and how much they spend in different categories of expenses.

The app has a clean interface with intuitive icons that are easy to navigate through. Users can add multiple accounts from different banks into Wally’s database; each account will be represented by its own icon on the main screen of the application (see screenshot below). Users simply tap on an icon before entering password details for their account or adding another debit or credit card if needed.”


PocketGuard is a free app that’s easy to use and has a simple, intuitive interface. It has features that can help you track spending, set limits, track bills and see your balances in one place. PocketGuard also links up to multiple bank accounts so you can see your finances from the same place.

The app makes it easy to create savings goals and track investments. You can set up budgets for different areas of your life (e.g., groceries) or even create one big budgeting plan that includes all areas of spending (e.g., housing + food + transportation). You can add recurring bills or income like rent or credit card payments as well as income received weekly/monthly/quarterly/annually so you always have an idea of where you stand financially each month or quarter based on what’s coming in versus going out!

Level Money

If you are looking for a budgeting app that is easy to use, Level Money will be your best bet. This app works with many different banks and allows you to see exactly how much money you have in the bank at any time. It also has a simple interface that makes it easy for users of all ages and experience levels to navigate. Level Money will show you how much you can spend each day based on your current account balance, but if you try to go over this amount it will warn you if there isn’t enough money in your bank account.

You Need a Budget (YNAB)

Another great budgeting app that can be used by couples is YNAB. It’s a powerful app that requires you to manually add all of your income and expenses, but it has some features that make the process extremely simple.

One of them is its mobile app, which allows you to check on your finances wherever you are. This makes it easy to keep track of spending when you’re out shopping or eating out at restaurants, so you don’t end up spending too much money without realizing it (which can happen if you’re using an online budgeting tool).

Another great feature about YNAB is that it tracks how long it takes for each transaction in your budget category and shows this in real-time on the website or mobile app. So if there’s something, in particular, holding up payments from going through (like a large rent payment), then these delays will show up as red bars sticking out from beneath each transaction line item – making them very easy to spot!


Envelope budgeting, also known as the “envelope system,” is a tried-and-true method for saving money. It’s simple: you set aside money for each category you need to pay, such as rent and groceries. Then, you can only spend from those envelopes.

It may sound old school—but in many ways, it’s actually more effective than most apps out there today. That’s why it makes sense that one of the best budgeting apps has been using this format for years now: Mvelopes (which just changed its name to Personal Capital).

With Mvelopes/Personal Capital, you can create your own envelope categories based on what matters most to you. You can even set up monthly budgets so that every week or two or three (or whatever works best) they’ll alert you when it’s time to move some cash around into your other envelopes so that nothing falls through the cracks between payments and bill due dates!


If you’re looking for a budgeting app that’s easy to use and offers helpful features, EveryDollar is the way to go. The interface is clean, simple and intuitive. You can easily add income and expenses by category (like groceries or entertainment) as well as paycheck-specific recurring expenses like car payments and student loan payments. You can also set up custom categories so that your money will go where it needs to instead of just lumping everything into one big bucket.

There are many other great features: it provides clear visualizations of how much money you have left in each account so that you can see at a glance whether or not you’re on track; it has an emergency fund feature — which allows users to save money automatically when they make a purchase — which makes saving easier than ever; it creates personalized insights based on your own spending habits over time so that users have real data about their spending patterns; and its mobile apps have voice recognition technology so all those tedious manual entry fields are no longer necessary!


Goodbudget is an envelope budgeting app. That means it’s free, easy to use, and extremely flexible. You create your own categories and subcategories to track spending every month. You can also add people you share expenses with—like a spouse or roommate—and have them use the same app as you do!

Goodbudget offers more than just budgeting: it has two great features that make this app stand out from its competitors. One is “Safe-to-Spend” which allows you to set aside money for future purchases so they won’t get in the way of paying bills or other obligations when they come due. The second feature is “New This Week,” which helps new users learn how to save money by showing them how much cash they should put into each category of spending over time (for example: if I want my food budgeted at $100 per week rather than all at once on Friday night).

How to choose the best personal finance software

Everyone has different needs when it comes to managing personal finances. That means the range and choice of best personal finance software packages is expansive, which is great for us, the consumers. 

The best starting point if you’re on the lookout for the best personal finance software package is therefore to decide just how complicated you think your money matters are. If you run a tight ship and are quite good with your finances, then a basic package will more than suffice.

Consider factors including how much you spend eating out each month and what sort of credit card terms you’re working too such as managing monthly payments. You might want to factor in how much you need to save towards a pension. The best personal finance software can help with these, and more.

However, if you’re not organized, you’ll want to look at more complex personal finance packages that can do a lot more of the money management legwork. More sophisticated packages can help you become better at budgeting, keep track of incomings and outgoings and build up an archive of your financial affairs. 

This can also be beneficial come tax filing time too, with many personal finance software packages integrating with some of the best tax software on the market.


Budgeting is so important, and these apps are making it easier than ever. But you can’t just download them and hope for the best, you’ve got to actually use them in order to see a difference.

Having trouble budgeting and saving your money? If so, consider using one of the apps mentioned above. They’ll help you track your income, expenses and savings goals in a simple to use format that is compatible on any device. Not only will it keep you from overspending or falling behind on payments but also allow for greater peace of mind knowing exactly where every dollar goes!

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *