The best budgeting apps for Android and iOS

Saving for a vacation? Here are the best apps to help you manage your wealth

best budget apps

There’s never a better time than now to start thinking about how you manage your money. It’s hard to know where to start, though, especially if you’re young and have no idea what your Roth IRA or 401(k) is. Don’t worry, these days there are all sorts of ways to make smart investments and better plan your financial life — all directly on your smartphone. Below are some of our picks for the best budgeting apps, whether you’re looking to cut back on monthly expenditures, check your balance at a glance, or save up for something special.


If you’re struggling to save money, then you might find that automating the process works for you. Qapital is a clever, rule-based automatic savings app. You link it to your checking account and select a savings goal, then set up IFTTT (if this then that) rules to trigger the transfer of money every time you do perform a specific task. For example, it can put $10 into savings every time you shop at Walmart, Starbucks, or some other store. There are lots of different rules you can set up, such as the handy freelancer rule, which sets aside a certain percentage for tax every time you get paid. You can also set up alerts and it will stop payments when cash is tight to prevent you from getting overdrawn.

iOS  Android


Do you want to know where you stand financially? PocketGuard can help you sync all your bank accounts, credit cards, loans, investments, and savings in one place. The app can build a budget for you automatically based on your spending habits. You can also use this app to track your income, bills, any subscriptions you have, create your spending limits, and see if you have reached your goals. The best part is that you can have the app analyze whether you’re getting the best deal on monthly payments and alert you about any unwanted charges or bank fees. You can opt for PocketGuard Plus for $4 monthly or $35 per year.

iOS Android


Want to win prizes for saving money? Grand may be the perfect app for you. Every week you’ll be automatically entered into a cash drawing for each dollar you put into your investment account. Every bank in the U.S. connects to Grand, and your deposits automatically earn one percent interest — much higher than the national average interest. Right now, Grand is only available via its website and the App Store, though we hope an Android app is in the works. And while the $2 monthly fee may seem a little steep, it may be worth it if it gets you in the habit of regularly saving money.



Spendee is all about understanding your finances. With this app, you can track your spending and budget so that you can save more money. You can connect Spendee to your bank account to track all your expenses, you can create a shared account with your family, and it supports multiple currencies. This app is free, but you can also choose to upgrade to Spendee Plus, which gives you the option to make multiple wallets and share them with your family members for $2 per month or $15 per year. There’s also Spendee Premium for $3 per month or $24 per year, which lets you synchronize Spendee with all your bank accounts.

iOS Android


If you’re looking for one of the best apps for investing small amounts of spare cash, you might want to try Acorns. This app can do the heavy lifting by investing for you automatically. It links directly to your bank accounts and credit cards. It can take little bits from your purchases every day and invest that money in a diversified portfolio of more than 7,000 stocks and bonds automatically. It’s also SIPC (Securities Investor Protection Corporation) protected up to $500,000 to keep your money secure. Acorns costs $1 per month for accounts investing less than $5,000. If your account grows to more than $5,000, the fee is 0.25 percent per year.

iOS Android


This app is all about keeping track of and getting a handle on your spending. It works across multiple currencies and banks. You can use this app to plan your financial future and keep track of all your expenses and income. The app is free, and it doesn’t require you to make any payments or enter any credit card information. If you pay a monthly subscription fee, you can sync your bank transactions and have them categorized automatically, create an unlimited number of accounts (there’s a limit of three with the free version), and get graph reports about the state of your finances across bank accounts, credits cards, and more.

iOS Android

Personal Capital

If you want to stay on top of your investments, stocks, retirement savings, and bank accounts as well as budget your spending in a single app, then Personal Capital is the multiplatform financial portal for you. It’s also available online and on wearables. Rather than passively track your net worth across various institutions like Mint (see below), this free app actively compares your stocks’ performance to the markets in real time, thus allowing you to keep up to speed on your financial health. The app even provides access to a team of professionals who can offer more personalized advice to further grow your nest egg, though these optional services cost extra.

iOS Android

Money Lover

Money Lover app

Money Lover is a free app that offers a clean, colorful interface and plenty of nifty features, but there is a downside. This budgeting app allows you to get very granular with your expenses, and automatically categorizes spending on food, drinks, games, and anything else you might buy, with cute pictures to boot. The app also tracks your income and spending in the past, present, and future months, with everything displayed in an easy-to-read format. The biggest problem with Money Lover is that the free version includes some annoying — and often times invasive — ads that clutter the otherwise splendid interface.

iOS Android


Mint, Intuit’s personal finance app, is a lifesaver in terms of keeping tabs on your overall financial health. This budget app links up with all your different bank accounts, loan accounts, and credit cards, and shows them all within a single, streamlined interface. This is especially helpful for finding specific transactions, so you can figure out which card or account you used to buy something at the department store. The mobile iteration of Mint also syncs with the service’s robust web interface and offers recommendations for new loan accounts and credit cards based on your habits. These features, combined with the app’s ability to show you upcoming bills at a glance, make it a standout.

iOS Android


Here’s another spare-change investment app. With Stash, you can invest in small increments — five dollars at a time, for instance — and across a variety of available portfolios, whether you prefer to do so manually or via automatic payments. The app is also built to accommodate the less-than-savvy investor, and as such, it includes educational tools that encourage you to develop smarter financial habits in the long run, so you can make sound investments and manage your money with aplomb. Stash will even help you discover companies that align with your values, so you can choose firms that are making strides in equality, ecology, and other issues.

iOS Android


Mobills app

Mobills promises fewer problems, with a simple interface and a vibrant display. Oh, and the charts! Did we mention the charts? Mobills offers plenty of them, whether you need a pie chart laying out all your expenses proportionally, a line graph measuring your income over time, or any other monetary metric you may want to encapsulate in a visual way. It even has a section for you to plan out your dreams, and see how long it will take to achieve them based on the money you set aside each month. The latter is a nice feature, at least until you see how long it will take you to save up for that vintage Westfalia.

iOS Android



Bills, bills, bills. Between utilities, mortgages or rent, student loans, streaming subscriptions, and all the other expenses of modern living, keeping up with your cash flows, whether in or out, can be a hassle. Prism helps you keep track of all your financial obligations with an easy-to-read interface and calendars where you can schedule your paydays and bill deadlines. One of the really neat things about Prism is that you can sync your accounts with companies you pay bills to — Prism claims it works with more than 11,000 billers such as Xfinity, Verizon, and so on — and your bank accounts, so you can get accurate billing statements and keep a perfect accounting of money you’ve brought in and money you’ve sent out.

Android iOS

Did you know that you can join family and friends to make a group purchase with PayPal? Read our take on Paypal Money Pools and find out what it is and how you can use it.


Step into Childish Gambino’s musical universe with the Pharos AR app

Childish Gambino seems to be on a mission to take over everyone's smartphones. Now you can experience his musical and visual universe through his new Pharos AR app, available on Android now and iOS soon.
Smart Home

The best sous vide machines cook your food perfectly, every single time

Want to make four-star meals from the comforts of your own kitchen? Here are the best sous vide machines available right now, whether you prefer simple immersion circulators or something more complex.

These parental control apps will help keep your kids' device habits in check

Looking for extra security and monitoring on mobile devices? Take a look at the best parental control apps for limiting time and keeping watch on your child's phone usage and behavior. We have the top options for Android and iOS here.

Add style and functionality with the best iPad Pro 9.7 cases

No tablet should be without protection, especially an expensive one. Check out our picks for the best iPad Pro 9.7 cases, so you can add some protection, functionality, and style to your new device.

Best iPhone 7 Plus screen protectors to shield your big, beautiful display

Cracked screens are expensive to replace. Fortunately for you, we've rounded up what's available in terms of protection for Apple's large iPhone 7 Plus. Here are the best screen protectors you can buy.

iFixit's teardown might show the reason the Galaxy Fold keeps breaking

The Samsung Galaxy Fold has arrived, and it goes on sale soon. Folding out from a 4.6-inch display to a tablet-sized 7.3-inch display, this unique device has six cameras, two batteries, and special software to help you use multiple apps.

Before buying a Fitbit, check out these Garmin fitness trackers under $100

The Apple Watch is a great fitness tracker, but it's not cheap. Thankfully, there are plenty of fitness trackers under $100, and they offer many of the same features. Here are the best fitness trackers under $100.

Need a minute to yourself? Buy some alone time with the best tablets for kids

Looking to keep those tiny fingers and brains busy? Tablets aren’t just for grown-ups, and many are kid-friendly! Here's our list of the best tablets for kids, with parental controls and plenty of tempting features to satisfy your…

Bigger isn’t always better: 5 of the smallest smartphones worth buying

Phones are getting larger and larger, but what options exist for the small-of-hand, or people who just want a phone they can use one-handed? In a world of phablets, some of the smallest smartphones can still pack a punch.

Waze vs. Google Maps: Which map app should you be using?

Waze and Google Maps are two of the most popular apps for those looking for turn-by-turn navigation, yet there are some notable differences to point out. Here, we examine both to decide which offers the best feature set.
Health & Fitness

Google’s redesigned Fit activity tracker is now an iOS app

Google Fit has landed for iOS. The activity tracker offers the same clean design that arrived with the major revamp of the Android version a year ago, with features such as Move Minutes and Heart Points also included.

Stunning photo shows Honor 20 will get the full Moschino designer treatment

Honor will launch the Honor 20 on May 21, at an event taking place in London. A special Moschino version will also be revealed, potentially with a Lite version, and perhaps even another model also showing up on the day.

Leak says Huawei will supply 5G equipment to the U.K., but with a caveat

A leak from the U.K.'s National Security Council says Huawei has been approved to supply certain 5G infrastructure equipment, but not the core components related to secure aspects of the network.

Smash your carrier shackles with the best unlocked phones

If you want the freedom to switch carriers at will or you prefer to get your phone directly from the company that makes it, you'll want to buy an unlocked smartphone. These are the best unlocked phones you can buy in the U.S.