10 Best Budgeting Apps to Take Control of Your Finances

Managing money doesn’t have to be stressful. With the right budgeting app, you can track your spending, save more, and build a better financial future—right from your smartphone. In this guide, we’ve compiled the best budgeting apps that are easy to use, packed with features, and ideal for every type of budgeter.

Whether you’re trying to get out of debt, save for a big purchase, or simply want more control over your monthly spending, these top apps have you covered.

Top 10 Best Budgeting Apps

1. YNAB (You Need A Budget)

Best for: Hands-on budgeters
Platforms: iOS, Android, Web
Price: $14.99/month or $99/year (free trial available)

YNAB helps you give every dollar a job. It’s ideal for those who want to be intentional with their money. With real-time syncing, goal tracking, and educational resources, it’s more than just a budgeting app—it’s a financial habit builder.

Pros:
✅ Great for goal setting
✅ Syncs across devices
✅ Excellent support and resources

Cons:
❌ Higher monthly cost

2. Mint

Best for: Beginners and budget trackers
Platforms: iOS, Android, Web
Price: Free (ad-supported)

Mint is one of the most popular free budgeting apps. It automatically categorizes transactions, sends bill reminders, and tracks your credit score—all in one dashboard.

Pros:
✅ Completely free
✅ Easy to use
✅ Credit score tracking

Cons:
❌ Ads can be intrusive
❌ Limited customization

3. Goodbudget

Best for: Envelope budgeting fans
Platforms: iOS, Android, Web
Price: Free basic plan / $8/month or $70/year for Plus

Goodbudget uses the envelope system to help you manage money. It’s ideal for couples or people who like to manually plan spending in specific categories.

Pros:
✅ Great for couples
✅ Manual control over expenses
✅ Easy to share budgets

Cons:
❌ No automatic bank syncing

4. PocketGuard

Best for: Overspenders
Platforms: iOS, Android
Price: Free / $7.99/month for Plus

PocketGuard tells you exactly how much money you have left after covering bills and necessities. Perfect for those who want a simple “what’s safe to spend” number.

Pros:
✅ Simple, clean interface
✅ Smart savings goals
✅ Bill negotiation feature

Cons:
❌ Limited customization in free version

5. EveryDollar

Best for: Dave Ramsey fans
Platforms: iOS, Android, Web
Price: Free / $12.99/month for premium

Created by Ramsey Solutions, EveryDollar uses zero-based budgeting. The paid version connects to your bank and provides spending insights.

Pros:
✅ Clean and simple interface
✅ Encourages disciplined budgeting
✅ Educational resources

Cons:
❌ Bank syncing requires paid plan

6. Zeta Money Manager

Best for: Couples and families
Platforms: iOS, Android
Price: Free

Zeta helps couples manage joint and individual finances. It offers bill tracking, goal setting, and shared budgets—great for roommates or partners.

Pros:
✅ Shared and personal accounts
✅ Joint budgeting
✅ Free and secure

Cons:
❌ Limited support for investment tracking

7. Honeydue

Best for: Couples tracking spending together
Platforms: iOS, Android
Price: Free

Honeydue lets you see each other’s finances while maintaining privacy. You can split expenses, chat in-app, and set bill reminders.

Pros:
✅ Couple-focused features
✅ In-app messaging
✅ Expense categorization

Cons:
❌ Some syncing issues reported

8. Simplifi by Quicken

Best for: Detailed financial tracking
Platforms: iOS, Android, Web
Price: $5.99/month or $47.99/year

Simplifi offers a fresh, intuitive interface with deep insight into spending and goals. It’s one of the most comprehensive apps for detailed money management.

Pros:
✅ Customizable reports
✅ Real-time tracking
✅ Beautiful interface

Cons:
❌ No free version

9. Spendee

Best for: Visual spenders and travelers
Platforms: iOS, Android, Web
Price: Free / Premium starts at $2.99/month

Spendee’s colorful interface makes budgeting visual and fun. Great for people managing multiple currencies and shared wallets.

Pros:
✅ Supports multiple currencies
✅ Visual dashboard
✅ Custom budget categories

Cons:
❌ Limited features in free version

10. Monarch Money

Best for: All-in-one financial planning
Platforms: iOS, Android, Web
Price: $14.99/month or $99/year

Monarch combines budgeting, investments, and financial planning in one powerful tool. Perfect for individuals and families looking to get a holistic view of their finances.

Pros:
✅ Comprehensive financial picture
✅ Collaborative budgeting
✅ Beautiful UX

Cons:
❌ On the pricey side

How to Choose the Right Budgeting App

When selecting the best budgeting app for your lifestyle, consider:

• Your financial goals: Saving, debt payoff, or just tracking expenses?
• Bank integration: Do you want automatic syncing or manual input?
• Ease of use: Some apps are more beginner-friendly than others.
• Sharing features: Needed if budgeting with a partner or family.

Final Thoughts

No matter where you are in your financial journey, there’s a budgeting app out there to help you take control of your money. From free tools like Mint to robust planners like YNAB and Monarch, you’ve got options.

The key? Start today. The sooner you track your spending and set goals, the faster you’ll build a secure and stress-free financial future.