22 Best Personal Finance Apps to Manage Your Budget (2024)

Acorns is an automated savings tool that rounds up your purchases on linked credit or debit cards, and then invests that “spare change” into your investment portfolio. So if you spend $2.75 on something with a linked card, that extra 25 cents is invested. You’d be surprised at how much it adds up over time, but you can also choose to make larger recurring or one-time investments in Acorns.

Mint is one of the more popular personal finance apps on the market, and it’s easy to see why. It brings together all of your financial data in one place so that you can track how much you’re spending in different categories, like groceries, travel, home expenses, and more. It allows you to set and track financial goals. Lastly, it also offers a free credit score tracking option.

If you’re looking for a one-stop shop to monitor your investments, retirement, real estate assets, savings goals and spending in one place, you might want to consider Personal Capital. It continuously tracks all these aspects of your finances and gives you a look at your personal net worth. If that’s not enough, it also helps keep track of when your bills are due.

Simplifi by Quicken helps you monitor your budget and spending habits, The app offers an approachable but informative snapshot displaying your spending plan, your bank accounts, your top spending categories, your spending watchlists, your spending over time and your income each month. It also offers a projected balances tool, which is a visual representation of your estimated balance over the next 30 days, based on your recurring transactions. How cool is that?

Empower is a banking app that offers some unique features. For one thing, there are no overdraft fees — ever. It also keeps track of your spending and offers personalized recommendations on how to save. Lastly, Empower offers up to $250 cash advances without late fees, interest, or credit checks — which can be a lifeline when you have an emergency expense and your bank account is running low.

The main idea behind the You Need a Budget app is that it helps you become more intentional about your spending by having you allocate each dollar towards a certain expense category before you spend it. The app also guides you through making a budget step-by-step and allows you to link your bank accounts and credit cards. It couldn’t be easier to get your finances in order.

Chime is an online-only financial company that offers savings and checking accounts. There are no monthly account fees or minimum balance requirements, and once it’s time to travel again, there are no fees to use your card abroad. Additionally, if you set up direct deposit to your Chime account, you can receive your paycheck two days earlier than you would at a traditional bank.

With Digit, saving couldn’t be easier. It pays attention to your spending habits and income and automatically determines when and how much money to put in savings. Every few days, it’ll transfer a small amount of money into your Digit savings account, and you probably won’t even notice it’s gone. All you have to do is sit back and watch your savings grow.

Albert has some cool features that make it stand out from the crowd. It offers up to a $100 no-fee cash advance from your upcoming paychecks, which can be helpful if you’re hit with a big expense right before payday. It also uses algorithms to analyze your income and spending throughout the week, and then transfers extra money to a savings account automatically. It can also help you invest, budget, and find deals on insurance.

It happens to the best of us — you forget when a bill is due, and suddenly you’re slapped with a late payment fee. With Prism, you don’t have to worry. It keeps track of all your bills and sends you reminders about due dates. It even has an option for you to pay your bills from within the app.