Pretty nifty, right? And while the app is technically free, it does charge you $1/month once you start investing. This is an app everyone should own.Īcorns invests your spare change - automatically! It rounds up your expense to the next dollar and invests the extra into a diversified portfolio. We also use it to keep track of our net worth at the end of the month since it tracks the balances of our various accounts. So while we don’t use Mint as a budgeting app, we love using it as a general overview of where our money stands. And although you can create a budget in the app, we’ve found that expenses oftentimes get miscategorized. Mint takes you out of the budgeting equation, and literally does it all for you. We decided to include this category this year since there are so many incredible finance apps available now that aren’t necessarily budgeting apps. This is an ideal manual budgeting app for a single person trying to stick to a budget. The design is light, bright, and easy to use. Similar to HomeBudget, Dollarbird allows users to create a budget and enter expenses manually. The user experience is both intuitive and enjoyable, and it’s a great app if you’re looking for a more automated budgeting system. This app not only automates all of your budget, but it also alerts you anytime an unauthorized charge occurs on any of your accounts or credit cards. Personally, we enjoy the tedium when budgeting (because we’re weird and OCD), but something about the simplicity of this app is really appealing. It takes out the tediousness of actually creating a detailed budget, and focuses solely on your spending vs saving vs income ratio. Wally simply tracks your income and expenses and projects your savings each month. If simplicity of use and design are your thing, look no further. So if one of them fits what you’re looking for in an app, your budget’s already off to a great start. If you want to be able to see your finances from the very broadest to the most granular points of view, this is the budgeting system for you. The software syncs between your computer and other devices, ensuring your budget is always up to date. Although the app is free to download, we’ve added it to the Paid category since using the app requires using the YNAB software - which costs $60 ($6 off if you order here) to buy. Johnny and I have been late to the You Need a Budget (YNAB) praising, but our readers RAVE about this app. If they had a sync option between devices, Johnny and I would switch to this app in a heartbeat! Their claim to fame is that they make budgeting an “enjoyable experience,” and its users seem to agree. If you’re looking for a manual budgeting app with a beautiful design, Spendbook is the app for you. But the biggest draw has always been that it syncs our budget in the cloud to both of our phones so that we’re always on the same page. The design and flow is intuitive and really easy to set up. We manually enter our expenses and info, which is what we prefer. For Johnny and me, this is the app that’s worked for us over the past few years. And in this case, we think these apps might just be worth the couple bucks.Įveryone has a budgeting system that works for them. But sometimes paying for something can actually save you money. We know this is a budgeting site, and we’re usually all about free stuff. We cannot speak to the availability or functionality on other phone platforms. NOTE: All apps listed below are for iPhone. With a few taps of your thumb each day, you can stay on top of your finances.Īnd you’ve come to the right place because we’ve compiled the best budgeting and personal finance apps of 2015, just for you. Johnny and I are big fans of tracking every cent of spending, and budgeting and personal finance apps make it easy peasy to do just that. Whether you’ve resolved to save more, get out of debt, or quit spending $1000/year on Starbucks, the key to sticking to those goals is a budget. Happy New Year! The time has come for a clean slate, a year to top all other years in greatness. UPDATE: Check out our latest app recommendations in our new Best Budgeting & Saving Apps of 2016!
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