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  • March 1, 2021
  • admin

Money management requires people to keep track of their expenses, goals, and savings. We live in the 21st century, and Smartphone apps long replace notebooks. Many people use the default Notes app, while others install finance apps designed for a specific purpose.

Purists can argue all they want, but the apps are indeed convenient and feature-rich. You don’t have to carry a notebook with all the details of your expenses. And there is some level of protection against unauthorised access as well.

With all these essential features and some exclusive ones, here is a list of the top 7s apps to manage finance and budget.

1. Mint

Mint is one of the most popular apps in the category with over 15 million users across the globe. It is a simple, web-based application with all details about your finances. You don’t have to update everything manually in it that saves significant time and efforts.

You can add a mix of credit cards, bank accounts, loans, long-term goals, and investment in the brokerage account. The graphs provide visual help about different numbers related to your budget. The user experience is seamless with easy-to-use tools.

Similar to almost every app in this category, Mint is free to use with no subscription cost. It will use your details to make money by providing useful information to its clients. Nevertheless, there is no way the clients can trace back the details to individual users.

2. Financial Calculators

Financial Calculators is a great budget planner to have on your smartphone if you are serious about savings. As the name suggests, the app is a collection of collectors for different finance-related things. It includes TVM, loan, compound interest, tip, and even an ROI calculator to help the users.

It will help you forecast the expenses and create a budget with an amount closest to the actual spending. You can use it for free or pay a one-time fee of $4.99 for the app. You can use the calculator from this app and check if you can afford the loan amount offered by the private money lenders in Ireland.

3. AndroMoney

AndroMoney is a freeware app with some apps that may sound annoying to the users. It works very well to track expenses, use some budget functions, and backups for excel. You can use it on Android, iOS, and any browser to access your data.

The UI is exceptionally clean with support for multiple currencies, account balances, and transfer support. Analytics are nicely organised on the screen that makes them easy-to-read. However, it still lags the running total for a glance on the home screen.

4. Personal Capital

Personal capital is not just a regular application that notes down your spendings and savings. The app is aligned towards tracking the ultimate long-term goal of retirement funds and investment. Therefore, you will keep track of the money while staying on track for the retirement goal.

The signup process includes basic information focused on retirement savings. The app will ask your present age, expected retirement age, and the money you want to save until then. It will not ask for a payment as the application is distributed as freeware on iOS devices only.

5. Goodbudget

Goodbudget is a simple and effective tool designed for a wide range of new users to budgeting. Nevertheless, the extensive list of features will involve a small learning curve to get familiar with them. You can breakdown the budget into individual categories, sub-categories and make a personalised report from it.

The app is available on both Android and iOS platform. It is nice to share the expense report with your second half if you in together to save money. However, the free version is very limited in features; you can take a doorstep loan to use its premium subscription and some other small investments to save money.

Entering the transactional details and purchases will consume some time for the users. You have to enter the details manually even after importing the information from bank accounts. The premium users can keep visiting the transaction recorded 7 years ago while the free users are entitled to a year only.

6. You Need a Budget

Kudos to the developers for the name and features of You Need a Budget (YNAB). The app is ideal for an extreme level of budgeting for users with some serious habit of overspending. You can keep track of the smallest of the expenses intricately with it.

It supports all the major, local banks, credit unions and financial institution to link your bank account. The app requires the user to manually fill in the transactional details from the accounts and cards. This is helpful if you don’t trust the 3rd party applications with your financial data.

You cannot forecast the spending with YNAB, but every penny in your account will have a purpose. It will also provide workshop, videos, and other material to make the users financially literate. However, the subscription may sound unreasonable since the majority of the users are already tight on budget.

7. Clarity Money

A good portion of your income is spent on subscriptions that include satellite TV, video streaming, and gym. Many of these are rarely used, and the money spent on them is a complete waste. This is where Clarity Money helps its user by cancelling the unused subscription.

It also has the essential money tracking feature to keep an eye on the budget. Additionally, it will recommend some tips and guides to improve your financial health based on your spending behaviour. You can also create and keep track of the goals and diverse investment.


To sum up, it is essential to have a budgeting app on your smartphone that offers many features. You get to keep connect the accounts, credit cards, and various funds in a single space for easy management. However, the price is considered a lot since it makes no sense to pay for something is the basic, free version is good enough.

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