Best Personal Finance Apps for iPhone and Android

Best Personal Finance Apps for iPhone and Android

Need help with managing and saving money?

When it’s your birthday, a festival or you have a big shopping list, getting personal finances under control, sticking to a budget and handling investments isn’t easy. But with given plethora of personal finance apps out there this can be made possible.

On Play Store and App Store you can find number of budgeting apps. But not all money management apps are worth downloading. Hence to save you from some of the guesswork here we enlist the top personal finance apps of 2023. Each of the apps listed below are considered “best” for a particular purpose.

Let’s know what are the reasons.

Why These Apps are Best Personal Finance Apps?

  • These personal finance apps help manage money, stick to a budget, and make wise investment decisions.
  • Apps like Mint helps create a budget and track spending while, You Need a Budget (YNAB) helps budget every dollar.
  • Wally lets you click receipts to track expenses.
  • Robinhood is a free investment app while Acorns rounds up each purchase to make you understand how to manage finances.
  • Pocket Guard simplifies budgeting while Prism is the best app to make bill payments and keep a track.
  • Goodbudget is the best personal finance management app for couples.

In addition to these apps there are several other top personal finance apps that we have listed. All these apps will help you in personal finance management.

Best Personal Finance Apps to Manage Money

Without further delay, let’s begin discussing our first best personal finance tracker app for Android and iOS.

1. Mint: Best Money Management App


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With over 15 million users, Mint is an effective and one of the premier personal finance apps. Using this free budgeting app you can create a budget, track your spending and get smart about your money. Intuit Inc. (INTU)—the company behind QuickBooks and TurboTax—offers this amazing personal finance and budget management app.

This app lets you link various financial accounts, credit cards so that you can access and manage your finances at one place. Not only this Mint even lets you know when your bills are due, what you need to pay, and what you can afford based on availability of funds. Alongside none of the personally identifiable information is shared with any third parties.

Free credit score is the bonus point of Mint. It is best for managing personal finance, investors, smartphone users, budgets and bill payment. Moreover, Mint is the answer to which is the best financial budget app?

2. You Need a Budget: Best personal budgeting app

Best personal budgeting app

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You Need a Budget popularly known as YNAB. Unlike Mint this one is a paid budgeting app. Using this app you can keep a check on your expenses and monitor income. No need to enter your transactions manually by simply clicking the Import button at the top of your account you can connect your back with third party provider and import all the transactions.

This personal finance management is available for both Android and iOS and is worth every penny you spend. It helps save more money than you spend on buying YNAB. The money management and personal budgeting app works on three rules:

  1. Give every dollar a job – every dollar in your budget should be for a purpose.
  2. Allocate your true expenses – Monthly allocate your money to all the expenses, be it a birthday, insurance, vacations, etc.
  3. Adjust overspending – Anticipate overspending in certain months to stay on track with long term goals

3. Wally: Best personal finance tracking app

wally_finance management app

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If you like to stay organized with your personal expenses as you do with your tax reports, Wally is the easiest and fastest way to do it. This personal finance management app helps track day to day expenses, set budget, reach your financial goals, add tags to notes, plan upcoming payments, manage foreign currency transaction, etc.

Wally gives you control of your finances by helping you set weekly, monthly, or custom budget periods. This app is perfect for families, friends, households. This app lets you manage joint accounts, share spendings, keep everyone in sync, share a budget and more. Wally is #1 personal budget and finance management app in 22 countries.

4. Acorns: Best finance guide to invest your spare change

Acorns_Best finance guide

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Want to become good with finance management? Acorns is the app that will help you with it. This personal finance app is free for college students and will help invest, save and spend responsibly. With over 5 million investors Acorns is one of the best investment apps.

Acorns automatically invests spare change from everyday purchases. This means when you make a purchase with a card connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a low cost exchange traded fund.

5. Best Cryptocurrency App: Coinbase’

coinbase_cryptocurrency app

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The fate of cryptocurrencies has been in limbo yet you find people investing in it. Coinbase is a financial management app that helps track movements in the crypto market. Coinbase provides real time information about Bitcoin, Bitcoin Cash, Ethereum, Ethereum Classic, and Litecoin.

Using this cryptocurrency app you can receive payout directly to your bank account . Moreover, Coinbase offers a debit card to spend cryptocurrency with a partner that supports Visa or Mastercard system.

6. Robinhood: Best Investment App

Robinhood Best Investment App

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A game-changing investment app that offers unique and unbeatable features. Robinhood personal finance app is for college students, professionals, and everyone. No need to pay commissions on stock, no minimum account, streamlined interface are few benefits of this personal finance management app.

Moreover, what makes Robinhood one of the best budgeting and investment app is you can access real time market data before buying stock coin or anything. Robinhood uses cutting edge technology and security measures to protect investor assets and personal information.

7. PocketGuard: Best way to simply personal finance

PocketGuard_Best way to simply personal finance

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Whether you want to keep track of your spending, make a budget or save more money PocketGuard is your go to app. As the name implies, PocketGuard helps stay on top of your finances by guarding you from spending too much. This budgeting app helps link your credit cards, keep a check on savings, investment, loans. Using PocketGuard you can see all your financed in one place.

Pocket Guard is one of the best finance apps for iOS and Android as it categorizes all your transactions when they take place. Moreover, it helps understand where you spend your money and how you can save it. In short it makes you smarter when it comes to money management.

Furthermore, this top finance app automatically builds a personalized budget, based on income, bills and goals you set.

8. Goodbudget: Best personal finance apps for couples

goodbudget_best finance app for couples

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Goodbudget is a budget tracker for couples, if you want to share your expenses with your partner this is the best app. Goodbudget helps spend, save and keep a track. This virtual budget program keeps you on track with family and friends.

Goodbudget finance app for iOS and Android is based on envelope budgeting method and it helps put budget into action with the people who matter. This makes it one of the best personal finance apps for couples and is the answer to which is the best personal finance apps for couples.

So, this is a comprehensive list of best personal finance budgeting apps. Using any of these apps you can manage your budget, save money, and stay organized. Hope after reading this list you have the answers for questions like:

Which is the best financial budget app?

Which is the best free personal finance app?

Which is the best finance apps for couples?

Which is the best finance App for iPhone and Android?

All the apps listed above are best in their own way. Everyone wants to save and budget better, and with these budgeting apps you can actually save and pay bills more efficiently. Do let us know which personal finance you liked and why? Bonus: Most of the apps listed are best free personal finance apps for Android and iOS.

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