Managing your finances effectively is essential for achieving your financial goals and building wealth. Fortunately, there are many personal finance apps available to help you track your spending, budget, save money, invest, and manage your overall financial life. Here are some of the best personal finance apps to consider:

1. Mint

Mint is a popular personal finance app that offers a comprehensive suite of tools for budgeting, tracking expenses, managing bills, and monitoring your credit score. Mint automatically categorizes your transactions, provides insights into your spending habits, and offers personalized budgeting tips to help you save money and achieve your financial goals.

2. YNAB (You Need a Budget)

YNAB is a budgeting app based on the principle of giving every dollar a job. YNAB helps you create a budget, track your spending, set savings goals, and live within your means. The app encourages users to prioritize their spending, eliminate debt, and build a buffer of savings to cover unexpected expenses.

3. Personal Capital

Personal Capital is a comprehensive wealth management app that combines budgeting tools with investment tracking and retirement planning features. Personal Capital allows you to sync all your financial accounts, track your net worth, analyze your investment portfolio, and plan for retirement. The app also offers personalized investment advice and access to financial advisors.

4. Acorns

Acorns is an investment app that helps you save and invest your spare change. Acorns rounds up your everyday purchases to the nearest dollar and invests the spare change in a diversified portfolio of ETFs. The app also offers automated recurring investments, retirement accounts, and educational content to help you grow your wealth over time.

5. Robinhood

Robinhood is a commission-free investing app that allows you to buy and sell stocks, ETFs, options, and cryptocurrencies without paying any trading fees. Robinhood offers a user-friendly interface, real-time market data, customizable watchlists, and educational resources for beginner investors. The app also offers fractional shares, allowing you to invest in high-priced stocks with as little as $1.

6. Tiller Money

Tiller Money is a personal finance app that automates your financial tracking using Google Sheets or Microsoft Excel. Tiller Money automatically updates your financial transactions and balances in a spreadsheet, allowing you to customize your budgeting and tracking tools to suit your specific needs. The app offers templates, dashboards, and reports to help you analyze your finances and make informed decisions.

7. PocketGuard

PocketGuard is a budgeting app that helps you track your spending, analyze your cash flow, and optimize your finances. PocketGuard syncs all your financial accounts, categorizes your transactions, and calculates how much money you have available to spend after accounting for bills, savings goals, and other financial obligations. The app also offers personalized insights and recommendations to help you save money and avoid overspending.

8. Truebill

Truebill is a financial management app that helps you lower your bills, track your spending, and manage your subscriptions. Truebill analyzes your recurring expenses, identifies opportunities to save money, and negotiates lower rates on your behalf. The app also helps you cancel unwanted subscriptions, track your spending habits, and set savings goals.

9. EveryDollar

EveryDollar is a budgeting app developed by personal finance expert Dave Ramsey. EveryDollar follows the zero-based budgeting approach, where every dollar is assigned a specific purpose. The app allows you to create a budget, track your expenses, and monitor your progress towards your financial goals. EveryDollar also offers access to Dave Ramsey’s financial advice and resources.

10. Splitwise

Splitwise is a debt management app that helps you track shared expenses and settle debts with friends, roommates, or family members. Splitwise allows you to create shared expense groups, add expenses, and track who owes what. The app calculates balances and facilitates payments, making it easy to split bills, rent, groceries, and other expenses fairly and transparently.


Personal finance apps can be powerful tools for managing your money, saving for the future, and achieving your financial goals. Whether you’re looking to budget more effectively, track your spending, invest for the future, or simplify your financial life, there’s likely a personal finance app that meets your needs. Explore these top-rated apps, find the ones that work best for you, and take control of your finances today.