Best Budget Apps To Fit Your Goals and Lifestyle
Do you want to quickly check on your personal finances through the ease of your smartphone?
For many, the best budgeting method for success is to use budget apps. Unfortunately, with numerous budgeting apps on the App Store and Google Play Store, it can be challenging to determine the top budgeting apps that match your goals and lifestyle.
Best Overall: Mint: Personal Finance & Money
Overview: – Price: Free, offering in-app purchases Customer Rating: 4.5 – Notable Features: Track transactions, monitor monthly expenses.
Mint is a household name when it comes to tracking your money and budgets online. So, it’s no surprise it’s the overall best for anyone wanting to get their budget under control.
Best For Zero-Based Budget: You Need A Budget (YNAB)
Overview: – Price: Free, offers in-app purchases Customer Rating: 4.8 – Notable Features: Real-time updates, debt paydown tool.
The strategy of a zero-based budget is to give every dollar an assignment. The goal is to have nothing or (or “zero”) left to assign. This strategy matches YNAB’s first rule: “Give Every Dollar A Job | You’re the boss.
Best For Envelope System: Goodbudget Budget Planner
Overview – Price: Free, offers in-app purchases Customer Rating: 4.7 – Notable Features: Spending by envelope report, free ten regular envelopes.
Summary The Goodbudget Budget Planner is similar to other budgeting apps because it syncs transactions and has a “debt progress report.” However, it boasts “based on the envelope budgeting method. But with no physical envelopes; only virtual envelopes!”
Best For Couples: Honeydue: Couples Finance
Overview: – Price: Free, offers in-app purchases Customer Rating: 4.5 – Notable Features: Choose how much you want to share, split expenses.
As the app name implies, Honeydue is for couples managing their finances together, especially with a joint bank account.
Best For Investors: Personal Capital: Investing
Overview: – Price: Free Customer Rating: 4.7 – Notable Features: Interactive cash flow graph, retirement planner, investment checkup tool
Although the Personal Capital app is not necessarily a budgeting app, it is still a noteworthy app for tracking one’s net worth by managing bank accounts, IRAs, 401ks, mortgages.
Remember, budgeting, in general, is not perfect. Instead, budgeting is a guide to your finances. So, whether you’re managing your family chances or a small business calculating the contribution margin, having a proper budget is essential to have good cash flow.
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