10 Budget Apps That Make Your Personal Finance Goals Easy

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There are mobile apps for just about everything nowadays. This includes apps designed to help you improve your personal finances through budgeting.

Using a budget is an excellent way to eliminate debt, save money, and reach your financial goals faster. With new budgeting apps available to download every year, which ones are the best for you and your family to improve your finances?

Here are 10 budgeting apps that we like.


One of the most established budgeting apps, Mint allows you to sync your accounts so you can tracking spending in real-time. Users can create categories to break down spending further, which allows you to analyze your budget in a way other apps don’t.

Mint Snapshot in Budgeting

Mint also lets you track bills and set alerts so you never miss a payment. If that wasn’t enough, you can also check your credit score for free through Mint. Lastly, you can receive budget suggestions if you need some extra help setting yourself up for success.

Price: Free (ad supported)

Related Article: Create Your Budget on Mint in 10 Simple Steps


Tiller is the budgeting app that isn’t actually an app. Wait, what?!

Tiller believes in the power of spreadsheets. Their research shows people are more aware of their financial habits using spreadsheets over a “one size fits all” app. Tiller automatically updates Google Sheets and Excel daily with all your spending, balances and more.

Use customized templates that fit your needs. Because it’s cloud-based, you can access your information from anywhere on any device and also share access with your spouse. Tiller works with 18,000 financial sources so all your accounts are covered.

Tiller Family of Spreadsheets - Templates

Tiller will improve your financial awareness without all the manual entry normally needed with keeping spreadsheets. It’s the best of both worlds.

Price: Start with a free, 30-day trial and then pay just $4.92 a month ($59/year).

Related Podcast: Control Your Money to Control Your Life – with Peter Polson from Tiller

Personal Capital

If you are looking for a comprehensive money management program, Personal Capital is a solid choice for your family. Like other apps, you link your bank and investment accounts to be able to track spending, saving, see current balances, and check on portfolio performance.

Personal Capital

Personal Capital’s app is free to use, but they are looking to upsell you to their other financial services. The good news is you don’t have to upgrade to use their app, which is available on most devices.

Price: Free (will try to sell you financial services)

Related Podcast: Track Your Net Worth and Become a Young Millionaire – with J. Money


You Need A Budget (YNAB) is budgeting software that allows you to set up and track budgets seamlessly on any device. They allow you to sync your bank accounts easily to the app.

One of the best features is the ability to set and track financial goals. YNAB will break down how to reach those goals, which is extremely helpful.

YNAB Goal Features

Get the support you need as well, through forums, easy to use guides, weekly videos, podcasts, and live workshops.

YNAB is free to use for 34 days, then just $6.99 a month. YNAB users average $6,000 in savings in their first year of use, which makes the monthly charge a great investment.

Price: $6.99 per month

Related Article: Pros and Cons of YNAB – Budget Your Way to Wealth


Honeyfi is the budgeting app with couples in mind. Family finances are always more successful when both partners are actively invested in money management. You can create a customized budget and set up payment alerts right on your phone.

Honeyfi Screen Shot

What makes Honeyfi different from other budget apps is their commitment to communication with the ability to share notes on transactions with your spouse.

Honeyfi gets everyone on the same page, saves time (and money) and gets you closer to achieving all your financial goals together.

Price: $9.99 per month. You’ll save 50% if you buy it a year at a time, which works out to just $5 per month.

Related Podcast: Simplify Your Marriage and Finances with a Budget – with HoneyFi


Looking for a budgeting app that caters to couples? Zeta has you covered.

Zeta allows you to track all of your accounts, whether they are personal or shared. You can track spending, set financial goals, and budget together.

Zeta - Couple's Budgeting App

I love that you can tag your partner on specific transactions. Other features include bill reminders and money coaching.

Price: Free


This popular budgeting app comes from Dave Ramsey. You can start by creating an account and then set up your zero-based budget.

EveryDollar App - Budgeting Tool

EveryDollar offers a free version and a paid version (EveryDollar Plus). Unfortunately, you can only connect to your bank and view account balances in the paid version. The free version still allows you to create unlimited budgets, track expenses against your budgets, and get email support. Your EveryDollar account comes with a free trial of EveryDollar Plus, which costs $99 a year after the trial ends.  

Price: $99 per year

Related Article: Life After Dave Ramsey’s Baby Step 7


Are you familiar with the envelope system for budgeting money?

The concept of envelope budgeting works, but most people don’t actually handle cash very often anymore. Mvelopes takes that concept and digitizes it with their budgeting app.

With Mvelopes, you can split up your money into different categories. You can connect your bank account and track your income and expenses. The Mvelopes app also allows you to set a monthly budget and savings goals.

Price: Mvelopes offers 3 different plans:

  • Basic. $4/month
  • Plus: $19/month
  • Complete: $59/month

Mvelopes Plus and Complete include varying amounts of live financial coaching help as part of their package.

Proactive Budget

Another budgeting app that uses the envelope system model is Proactive Budget. The difference is you actually receive a Visa-branded ProActive debit card with this program.

Transfer money to this card and then you categorize every dollar into virtual envelopes. Any time you are going to make a purchase, you open the app and choose which envelope the funds are coming out of before swiping your card. If you don’t the card will be declined.

Proactive Budget

Proactive Budget is unapologetic about its extreme methods because it helps people get out of debt quicker. There could be potential issues if you don’t have your cell phone at the time of purchase or have issues with data on your phone.

Price: $69 per year.


Wally is a simple budgeting app that allows you to follow expenses, create a working budget, and set financial goals for yourself.  It is completely free, although they are working on an upgraded version they will release in the future that will have a fee.

Wally App Budgeting

Some of the better features of Wally include the ability to save frequent shopping locations for easier data entry as well as assigning recurring income and expenses within the app.

Wally also allows you to scan and save receipts. If you are looking for an app that offers more than just budgeting or can connect to your accounts, one of the other options on our list might serve you better than Wally.

Price: Free

Regardless of what method of budgeting you use, the above apps can help you gain control of your family finances. Like any financial tool, these apps only work if you give them the attention they need to work properly. Some financial apps require more work upfront, connecting accounts and setting goals. Others are more straightforward.

Most of the apps listed are either free or offer a free trial so you can test them and see what works best for you.

Which one of these is your favorite?

Please let us know in the comments below!

10 Budget Apps That Make Your Personal Finance Goals Easy

5 thoughts on “10 Budget Apps That Make Your Personal Finance Goals Easy”

  1. I love YNAB and Personal Capital. I still use the old version of YNAB as I paid a one time fee for it (as I refuse to pay for subscriptions – yes, I’m cheap). As for Personal Capital, it’s a nice way to view only our investment and retirement accounts, and I love how it tracks contributions and fees.

    1. Personal Capital has helped me a ton to track my net worth and analyze my fees for my retirement portfolio. You can’t argue with the price of FREE either!

  2. Hey, Kevin thanks for sharing this wonderful list of budgets apps. In this era everybody spending money but managing or tracking & keeping records is also important as well in daily life to make personal finance goal easy. Thanks Keep Sharing.

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