Top 10 best apps for personal finance in 2023

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While we were on a search for the best apps for personal finance, we discovered 10 personal finance apps that can help you keep track of your finances.

Keeping track of your finances can be a challenging task, as it requires meticulous monitoring of expenses and bank balances. With the demise of traditional checkbook balancing, managing money has become even more complicated.

Fortunately, we created a list of the best apps for personal finance that can help you to maintain your financial health. These apps connect with your bank account and provide a clear picture of your spending habits by highlighting the categories in which you spend the most. These apps for personal finance also offer bill payment schedules, credit score tracking, and portfolio management options.

As you read further, you’ll see a list of the best apps for personal finance that are capable of handling your financial needs.

List of apps for personal finance

1. Personal Capital

apps for personal finance

Personal Capital is a personal finance company and it is considered one of the best apps for personal finance. They were established in 2009 and is a pioneering digital investment manager and is currently considered the top robo-advisor for portfolio management.

The company was acquired by Empower Retirement in 2020 and is renowned for its extensive range of complimentary money management tools for investment management, retirement planning, and cash flow management. With Personal Capital Cash, any resident of the United States can access a savings account with a high-interest rate and several free banking services.

Personal Capital Advisors provides full-service investment management and mandates a minimum investment of $100,000, with fees commencing at 0.89% of assets under management (AUM).

While the free financial tools are ideal for anyone seeking to track their finances, affluent individuals and families will benefit from Personal Capital’s tailored investment management services, holistic wealth management approach, and access to Certified Financial Planners.


  • Free money management tools
  • Customized financial planning with CFP(R) advisors
  • Accessible live phone customer service
  • User-friendly, easy-to-navigate website


  • High account minimum of $100,000
  • High investment management fee of 0.89% AUM
  • Requires a phone call from the firm

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2. Mint

apps for personal finance

One of the apps for personal finance that we have on our list is Mint. Mint is a cost-free budgeting application that enables you to link all of your financial accounts to a single digital platform, allowing you to gain a comprehensive understanding of your financial well-being. The app offers features that enable users to track their expenses and savings and establish as well as monitor budget goals.

Mint’s capabilities extend to connecting bank accounts, money management accounts, retirement and investment accounts, credit cards, and other financial accounts. Moreover, you can keep track of your monthly bills through Mint and receive reminders, making it easy to pay your bills on time.


  • Link all of your financial accounts in one place
  • Allows you to set up notifications and alerts
  • Free credit score access
  • The app is free


  • Connectivity issues with financial accounts
  • No joint accounts
  • Advertisements

3. EveryDollar

apps for personal finance

EveryDollar is a straightforward budgeting application designed by renowned personal finance specialist, Dave Ramsey. This is one of the apps for personal finance based on the zero-based budgeting approach, which involves allocating every dollar you earn to a specific category, such as bills, entertainment, and savings, with the objective of having no money remaining at the end of each month.

When utilizing EveryDollar, you can monitor your progress through the seven Baby Steps, which is Ramsey’s personal framework for achieving financial health.


  • Easily create, track, and manage your budget.
  • Create and reach your personal financial goals.
  • Automatic expense tracking for premium members.


  • The free version is extremely limited.
  • No credit score monitoring.
  • No investment tracking.

4. PocketGuard

apps for personal finance

PocketGuard is a budgeting application that is tailored for individuals seeking to manage their spending and increase their savings every month. To monitor your expenses, you can connect your credit and/or debit cards to the app, and all your transactions will automatically upload.

These apps for personal finance allow you to set savings goals to ensure that you are on the correct financial trajectory to achieve your objectives. Furthermore, if you prefer using spreadsheets to track your budget, PocketGuard Plus membership offers the option to export your transactions directly to Microsoft Excel.


  • Ability to link bank accounts from a wide selection of financial institutions
  • Customizable budgets to curate an accurate financial picture
  • Capabilities designed to help users reach their savings goals


  • Some capabilities are limited to paid users
  • PocketGuard website is challenging to navigate

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5. Fudget

apps for personal finance

Fudget is a budget planner that differs from many apps for personal finance in that it does not directly monitor spending or import accounts. However, the app is ideal for keeping track of and achieving monthly goals related to savings. In essence, that is the primary function of Fudget, unlike other apps for personal finance.

The upgraded version of the app includes additional features such as Dropbox connectivity, an ad-free interface, a calculator, and a few other perks that are not crucial for budget planning.


  • Easy to use: Fudget’s straightforward interface makes it accessible even for beginners who are new to budgeting tools.
  • Goal-oriented: Fudget helps users focus on achieving their financial objectives, making it a useful tool for those who prioritize saving and goal-setting.
  • Ad-free: The upgraded version of Fudget is ad-free, providing a better user experience for individuals who prefer a cleaner interface.


  • Limited features: Fudget lacks some of the more advanced features found in other budgeting apps, such as automatic syncing with financial accounts, reporting and analysis tools, and investment tracking.
  • Manual tracking: Fudget does not automatically import account information, so users must manually enter transactions, which can be time-consuming and prone to errors if not done carefully.

6. Honeydue

apps for personal finance

Honeydue is a budgeting app like other apps for personal finance listed in this article that allows couples to monitor their financial situations in one place. By linking bank accounts, credit cards, loans, and investments, both partners can access a consolidated view of their finances (although they can choose the extent of information shared).

The app provides automatic expense categorization, and users can also create custom categories. Together, couples can set up monthly limits for each category and receive alerts when either partner approaches them.

Honeydue also sends reminders for upcoming bills and allows couples to communicate through a chat function with the added bonus of emojis. This is one of the best apps for personal finance for couples.


  • Designed for couples
  • Over 20,000 financial institutions from which to link accounts
  • App is free
  • Chat function to message partner within the app
  • A joint bank account available with a free debit card easily integrates into the app


  • There is no desktop version of the app
  • Support is limited to online forums
  • No tools catered toward financial goals (such as savings)
  • There are advertisements within the app

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7. Goodbudget

apps for personal finance

Goodbudget is one of the recommended apps for personal finance on our list that applies the envelope budgeting system in a digital format. It simplifies budgeting by having users assign their spending categories to individual “envelopes.” Users can allocate their income to the different envelopes for monthly and occasional expenses such as groceries, rent, entertainment, and eating out.

If an envelope’s balance is used up, users cannot spend more in that category until they transfer money from other envelopes. Goodbudget allows users to add their income and balances from financial accounts, loans, and credit cards to the app to begin budgeting.

Goodbudget takes a more manual approach to your budget compared to other apps for personal finance like PocketGuard and Mint. It does not automatically connect to your financial accounts and import transactions as they occur. Instead, you have to manually update your budget within the app throughout the month.


  • Uniquely based on a respected and well-established financial philosophy (the envelope system)
  • Uniquely based on a respected and well-established financial philosophy (the envelope system)
  • Allows users to customize their envelopes to fit their lifestyle easily
  • Offers both a paid and a free version
  • Allows households to sync their apps together to track budgets simultaneously
  • Offers both a web and a mobile version


  • The free version of the app is relatively limiting
  • The envelope system is a unique personal finance philosophy that may not appeal to every user.

8. You Need a Budget (YNAB)

apps for personal finance

YNAB stands out among the best apps for personal finance because of its budgeting philosophy. These apps for personal finances offer a 34-day free trial without requiring a credit card, and after that, it costs $99 per year. If you prefer to pay monthly, it costs $14.99.

Like other apps for personal finance, you can sync your bank accounts, import data from a file, or manually enter each transaction. To get started, the company recommends learning the basics through video courses, live workshops, or guides. Unlike some apps for personal finance that focus on tracking what you’ve already spent, YNAB takes a proactive approach to budgeting.

Upon registering with YNAB, you can begin by creating your initial budget and allocating every dollar to a specific expense, such as rent or car payments. YNAB’s objective is for users to reach a stage where they are spending money they earned at least 30 days ago.

YNAB has a wealth of educational resources and support services to assist you in remaining on course. The company also prioritizes the privacy and security of its customers, using bank-level encryption for all data, password security best practices, third-party audits, and other measures to safeguard your information.


  • Complete budget makeover
  • Free 34-day trial
  • Strong customer service and comprehensive education


  • $99 per year
  • More time-intensive to learn
  • Recent sync issues

9. Zeta

apps for personal finance

Zeta has made it to our list of top apps for personal finance because it caters to all kinds of couples and offers a joint bank account to manage spending and bill payments for free. Zeta’s Money Manager app and Joint Cards are also free.

The app allows you to sync accounts or manually add data to create a shared view of your finances. You can set up budgets, track expenses, and joint goals, and manage bills.

Unlike other apps for personal finance, sharing controls and personal budgets, bill reminders, and more are some of its remarkable features. Zeta helps you stay focused on your goals and connects your financial actions to achieve them. With its online publication, Money Date Mag, you can access articles on love and money in the modern age to enhance your financial knowledge.

Zeta’s Joint Cards offer bank account access with FDIC insurance through LendingClub Bank, with no monthly fees or minimums, and 0.48% APY. The account has features like unlimited transfers, contactless payments, and bill pay.

Zeta ensures that your data is secure with state-of-the-art bank-level security, including two-factor authentication and data-encrypted databases, and they don’t store your financial logins.


  • Free budgeting app and no-fee joint bank account
  • Designed for all types of couples
  • Features like no account fees, contactless payments, and bill pay


  • Low APY for joint account

10. Simplifi by Quicken

apps for personal finance

Simplifi by Quicken is one of the top-ranked apps for personal finance for managing cash flow due to its effective tracking capabilities. It provides an excellent option for tracking your spending between paychecks.

These apps for personal finance offer you a free 30-day trial, and then you can choose to pay either $3.99 per month (billed annually at $47.99) or $5.99 per month if you choose not to pay upfront. To start using the app, you must sync your bank accounts, which will give you a complete overview of your finances.

Simplifi by Quicken automatically categorizes your expenses, tracks recurring bills and subscriptions, and reminds you of upcoming expenses.

Unlike other apps for personal finance, which you may have used, a unique feature of the app is the custom watchlists, which allow you to limit spending by category or payee. The custom spending plan monitors your cash flow to ensure you never spend more than you make.

Simplifi by Quicken offers in-app tips and a blog full of educational content. Quicken, the parent company, places security and privacy as its top priorities. Quicken has been trusted with sensitive financial data for decades and continuously works on new security measures. The app uses 256-bit encryption to transmit banking data, and all information is kept confidential.


  • Strong cash flow tools
  • Watch lists for mindful spending
  • Free 30-day trial


  • $47.99 per year
  • Some complaints about technical issues

Rounding Up

The best apps for personal finance listed above have become essential tools for managing one’s finances in today’s fast-paced digital world. The apps for personal finance discussed above offers various features that cater to different financial needs, such as budgeting, expense tracking, investment management, and credit monitoring.

Mint, Personal Capital, and YNAB are some of the best apps for personal finance and managing expenses. These apps are free to use and offer an intuitive user interface to help users keep track of their spending and stay on top of their budgets.

In conclusion, apps for personal finance can help individuals take control of their finances and make better financial decisions. The apps mentioned above are just a few of the many options available, and users should choose an app that suits their financial goals and preferences.

With the help of these apps, managing personal finances can become more accessible, convenient, and even enjoyable.

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