9 Best Budgeting Apps for Tracking Your Personal Finances

man holding an ipad showing budgeting app

Do you sleepwalk your way to the nearest shopping mall sale? Is the call of the Amazon (shopping app, not the river) too strong to ignore? Do you hear voices urging you to “Follow your heart, add to cart?” Have you been neglecting the due dates of your bills? I know, I know, managing our finances can be difficult. But there’s no need to despair—help has arrived.

Thanks to some nifty apps you can download to your iPhone (or whatever), there is a better way to manage your finances. Regardless of whether you need guidance sticking to a budget, curbing overspending, meeting due dates, and saving money, there’s a budgeting app for you. Here’s a list of some of the best budget apps out there:

PocketGuard

The critical feature of PocketGuard is its ability to update and categorize transactions as they happen. The app then deducts the amount spent from the amount set per category. This gives users insight into where the money goes and facilitates knowing in at a glance if one is overspending.

Wally

Wally is a full-fledged spending tracker, and for that, it makes it on our list of best budgeting apps. Users can enter each time cash comes in or goes out. A dashboard gives the users an overview—with one glance, a user will know if he has been sticking to his budget.

You Need A Budget

You Need A Budget (YNAB) has got excellent features making it worthy of being in our list of best budgeting apps. YNAB has goal tracking, progress reports, and a dedicated team to help you achieve your goals.

Spendee

Understand your financial habits by knowing where your money goes. Spendee knows that control of one’s finances can start with understanding your unique spending patterns. Its features include account synching, a spending overview, and shared wallets.

Goodbudget

Goodbudget utilizes the time-tested envelope budgeting method—only this time, it’s virtual. Like the old method, you can set aside money every month, and based on your family spending. The app also syncs across devices, making it the best budgeting app for couples.

Prism

Prism is the best budgeting app for tracking bill payments and due dates. Prism aggregates over 11,000 billers across the country, making managing payments much more straightforward. Payments can be made directly from the app and applied almost instantly. With Prism, missed due dates and late fees can become a thing of the past.

Stash

Stash is a financial app that lets you bank, invest, and save with one seamless interface. The key attribute of the app is its automatic saving and investing feature. Depending on your financial goals and needs, you can choose to get help with banking, personal investments, and retirement, and even invest on your child’s behalf.

Mint

Created by Intuit, Mint shines in the expense-tracking and goal-setting category. Once you set up your budget, transactions entered in the app are automatically categorized for easier monitoring. Its best feature: Mint tracks how near or far you are from your set financial goal.

Albert

Albert is a hard-working app that tracks and monitors spending, which allows users to know where to cut costs. The app also gives alerts for due dates and changes in utility usage—helping save on late fees. Albert is one of the best budgeting apps, as it automatically sets aside money for savings.


Money doesn’t grow on trees. Thus, just like any other limited resource, it needs to be managed well to get the most out of it. The first step to managing finances is to track it. And depending on your financial goals—increase savings, cutting costs, or making more investments—your next steps to take will be more deliberate. The best budgeting apps can help!

About the Author

Imee Rabang is a blogger/writer and bilingual poet from Manila, Philippines. She is an advocate of Philippine culture and supports causes that promote language and national identity. She juggles her time between work, parenthood, and community outreach programs. She also dabbles in photography and graphic arts in her free time.
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