We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more. Managing your money isn’t the easiest thing to do. Now that many of us no longer balance a checkbook, tracking expenses and keeping up with the bank balance can be difficult. Personal finance apps connect with your bank account and help you keep up with your spending. These apps can show you which categories you spend the most in, track, and, sometimes allow you to make upcoming bill payments, as well as keep up with your credit score and investment portfolio. The best personal finance apps provide several features for managing your overall finances. This includes email reminders, bill due dates, track subscriptions, shared wallets, and more. All the apps on our list are available on both iOS and Android, so you can utilize them no matter which smartphone you have. Best Personal Finance Apps Best Personal Finance Apps Final Verdict Compare Apps Frequently Asked Questions Methodology Why We Chose It Mint earns our choice as the best overall app because its array of features lets you keep track of your spending and monitor your credit health for free. Pros & Cons Pros Mint is free Simple bill tracking Handy spending categorization Cons Users may find the ads annoying Overview Mint, Intuit’s personal finance app, is a popular app that provides your complete financial picture in one place. Once you link your credit and debit cards to your account, Mint pulls your transactions, categorizes them, and shows how you spend your money. You can keep track of your bills and spending and create a budget you can stick to. The site provides access to your credit score for free, and you can get a breakdown of the factors contributing to your score to stay on top of your credit health. Plus, you can track your investments and manage utility payments. Why We Chose It You Need a Budget, also known as YNAB, is designed specifically for budgeting; its tools for tracking income and expenses earned it a spot on our list as the best for debt payoff. Pros & Cons Pros Free trial available Detailed budgeting and spending reports Cons Relatively high monthly cost Multiple features may overwhelm new users Overview YNAB is a personal finance app built around its Four Rules. The rules not only help you build a better budget but also help you gain control of your spending: Import transactions from your checking account and apply them to each budget category to get an accurate picture of your spending. You can keep a balanced budget by adjusting budget categories if you accidentally overspend (or under-budgeted for a certain category). Detailed reports show you how your spending is progressing throughout the month and help you spot where you can improve your spending. According to YNAB, the average new user saves $600 in the first two months and more than $6,000 in the first year. You can try the app for free for the first 34 days. After that, you’ll pay $99 if you choose a yearly plan or $14.99 per month. Why We Chose It We chose Empower as the best for wealth management because it looks at your entire financial picture, including investments, as opposed to just tracking bank accounts. Pros & Cons Pros Has an investment component Access to financial advisors Cons Wealth management fees are relatively high May be overwhelming if you're looking for a simple budgeting tool Overview Empower is a personal finance and wealth management app that allows you to manage your assets and investments along with your everyday spending accounts. While you can connect to your bank account to track spending and create a monthly budget, the app really shines in helping you track and optimize your investments. You can track your portfolio by account, asset class, or individual security. With built-in intelligence available on the tablet and mobile versions of the app, you can discover opportunities for diversification, risk management, and discover any hidden fees you may be paying. Comparing your own portfolio to major market benchmarks allows you to determine whether you’re on track to meet your investment goals. Empower also provides registered financial advisors who can provide you with customized advice tailored to your goals. Why We Chose It Prism is our pick as the best option for bill payment because that's its focus, and the app does it well with thousands of billers. Plus, it's free. Pros & Cons Pros Handy payment due date reminders Full picture of your accounts in one app Cons Limited features; bill pay only Overview Prism shows all your bills and financial accounts in a single app, giving you a complete picture of your finances. The app has more than 11,000 billers, including larger banks and even smaller utility companies. Add your bills to the app, and Prism automatically tracks your bills and sends due-date reminders to help you prevent late payments. You can use the app to make payments by scheduling them the same day or several days in advance. This eliminates the need to log into multiple accounts to your pay bills. Why We Chose It Spendee is designed to be shared by multiple members of a household, and that's why we chose it as the best for shared expenses. This can be useful for couples who need to keep track of joint accounts. Pros & Cons Pros Handy spending categorization Easily accessible by family members or roommates Cons Free plan has limited features Bank account sync only available with Premium plan Overview Many other personal finance apps are for individual use. But Spendee allows you to create wallets with friends and family that you can use to manage shared expenses for a household budget. You can import your bank transactions and let the app categorize them to tally how you’re spending money each month. You can also manually add cash expenses for a more accurate picture of where your money goes. And if you’re concerned about going over budget, you can set amounts for each spending category and track your progress toward the budgeted amount. Additionally, Spendee’s bill tracker functionality ensures you remember to pay each of your bills and avoid late payment penalties. If you’re going on a trip or another special event, you can create a category specifically for that event to track your spending and keep yourself on budget. While Spendee offers a free version, it has limited features compared with its paid versions. Those who want to sync the app with their bank account will need to pay for the Premium version, which costs $22.99/year. Why We Chose It EveryDollar embraces a popular approach to managing money that gives a purpose to every dollar, and that makes it our selection as the best for budgeting. Pros & Cons Pros Intuitive spending tracker helps you stay on budget Access to money management experts Cons Premium version is more expensive than other apps Overview The EveryDollar app uses the zero-based budget method recommended by personal finance expert Dave Ramsey. The zero-based budget gives every dollar a purpose in the budget, hence the app’s name EveryDollar. A built-in monthly expense tracker allows you to connect to your bank to import transactions to keep up with your spending. The tracker shows you the amount you’ve spent so far for the month and the amount you have left to spend. Through the EveryDollar app, you’ll be able to connect with money management experts who can help you with your financial planning. You can also access your budget through the app or desktop computer. All new users receive a free trial of the Premium version of the app, which costs just $12.99/month or $79.99 if you pay for a full year. You can permanently upgrade through the app menu. Why We Chose It Mobills is our choice as the best for visuals because it allows users to see their financial situations in the form of charts. Pros & Cons Pros Handy spending categorization Helpful visuals Cons Free version has limited features Overview Mobills organizes your expenses in categories so you can track how your spending is progressing toward your budgeted amount. The app displays the amount you have remaining to spend in each budget category so you can rein in your spending as needed. Mobills’ budget planning app includes interactive charts that allow you to analyze your financial life; you can use them to make adjustments as you need to reach your larger financial goals. Add your credit cards to the app so you can see your current balance and spending limits all in one place. You can also add all your bills and due dates to keep track of when your bills need to be paid. The free version of the app has limited functionality, while upgrading to the Premium version will give you full access to all the app’s features. The Premium version costs just $49.99 if you pay for a full year. Many of the best personal finance apps serve a particular niche. Mint, however, took the top spot for us because it serves a wider array of personal finance needs and is free. From budgeting and tracking accounts and investments, Mint is efficient, reliable, and easy to use. On the other hand, if you need an app to manage bill paying specifically, you can't go wrong with Prism. A personal finance app can help track your spending, saving, investing, and bill payments while keeping you updated on credit score changes. You can connect personal finance apps to your financial institutions to see where the money from your bank account is being spent. A personal finance app typically has features such as a shared wallet, bill reminders, automatic bill pay, and even managing subscriptions. Generally, personal finance apps offer a free version and a paid version. The free version may contain ads and fewer features than the premium version. Paid versions of personal finance apps vary in price but are relatively inexpensive. Those on our list all cost less than $100/year. Other apps only offer one version, and it’s free. So, if you need some extra help managing your finances, a personal finance app can be an affordable way to help. Prism is designed specifically for paying bills, so this might be your best choice if that's your goal. It works with more than 11,000 billers and allows you to set reminders for due dates. On the other hand, if you just need to track your bills without paying them through the app, our choice for best overall, Mint, does this as well as any of the other apps we reviewed. Among the reasons Mint earned our choice for best overall is that it's free and easy to use. Once you've linked your bank accounts and credit cards, it does the work for you by tracking deposits, debits, and more. After initial setup, all you have to do is open your app to see a full picture of your finances. To choose the best personal finance apps, we evaluated several options on the market and considered factors we felt were most important to consumers. We did not evaluate every app available. Our top seven choices were chosen based on their features, monthly cost, if payment reminders were available, and how users' financial information is displayed in the app. Article Sources YNAB. “Pricing.”Best Personal Finance Apps of 2024
Best Overall : Mint
Best for Debt Payoff : You Need a Budget
Best for Wealth Management : Empower (Formerly Personal Capital)
Best for Bill Payment : Prism
Best for Shared Expenses : Spendee
Best for Budgeting : EveryDollar
Best Visuals : Mobills
Final Verdict
Compare the Best Personal Finance Apps
Company Cost Bank Sync Free Trial Mint Best Overall Free, with optional paid upgrade Yes N/A You Need a Budget Best for Debt Payment $99/year or $14.99/month Yes Yes Empower Best for Wealth Management Budgeting tool is free; wealth management fee of 0.89% on up to $1,000,000 balance Yes No Prism Best for Bill Payment Free Yes N/A Spendee Best for Shared Expenses Free, with optional paid upgrade With Premium plan only Yes EveryDollar Best for Budgeting $79.99/year or $12.99/month Yes Yes Mobills Best Visuals Free, with optional paid upgrades Yes No Frequently Asked Questions
What Is a Personal Finance App?
How Much Does a Personal Finance App Cost?
What's the Best App for Keeping Track of Bills?
What Is the Easiest Free Budget App?
Methodology
Best Personal Finance Apps of 2024 (2024)
Table of Contents
Best Personal Finance Apps of 2024
Best Overall : Mint
Best for Debt Payoff : You Need a Budget
Best for Wealth Management : Empower (Formerly Personal Capital)
Best for Bill Payment : Prism
Best for Shared Expenses : Spendee
Best for Budgeting : EveryDollar
Best Visuals : Mobills
Final Verdict
Compare the Best Personal Finance Apps
Frequently Asked Questions
What Is a Personal Finance App?
How Much Does a Personal Finance App Cost?
What's the Best App for Keeping Track of Bills?
What Is the Easiest Free Budget App?
Methodology
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