When it comes to budgeting and money-saving, technology can give us a hand to stay on track. Lately, there’s an app for everything and budgeting is no exception. 

Forget about notebooks or excel files, check one of these budgeting apps instead. 

  • You Need a Budget (YNAB)
  • Mint
  • CountAbout
  • PocketGuard
  • Goodbudget
  • Personal Capital
  • Mvelopes
  • Quicken
  • Acorns
  • Clarity Money

You Need a Budget 

You Need a Budget, or YNAB is a budgeting app that gives you 34 days free trial during which you can try features such as budgeting, tracking your goals, checking reports, and even personal support. You can download it on your iPhone or Android or even use it on a desktop. After the free trial, you can pay either $11.99/month or $84/year.


Mint is a free app available on iOS and Android that offers many useful budgeting tools. It allows you to add all your accounts and stay up to date with your financial situation. It also gives customized advice on how to better manage your money.


This web-based personal finance software is also a great option for budgeting if you don’t necessarily want an app. It offers a range of budgeting tools as well as the opportunity to import your data from other tools. You can have a 15 days trial and then you can choose between a basic subscription at $9.99 per year or a premium one at $39.99 per year. 


PocketGuard is another simple app that allows you to track your spending, see all your accounts in one place, stay on top of your bills and even negotiate better rates on bills such as your cable or cell phone. The best part is that the app is completely free and available on iOS and Android.


Goodbudget is a budget tracking app for web, iOS, and Android. The app allows you to sync and share budgets across your devices, save money, and pay off debt. The method is based on dividing your money into several different envelopes and spending money for specific categories from their own envelopes. The free version allows you to have 20 envelopes,

1 account and 2 devices. For unlimited envelopes and accounts and up to five devices, you can get the plus version for $7 per month or $60 per year.

Personal Capital

Personal Capital is a free app available for both iOS and Android devices. The main purpose of the app is wealth management, with long-term financial planning tools as well as investment options. The basic app is free and has great budgeting tools while the Wealth Management plan is a paid feature. 


Mvelopes is based on the same envelope method adopted by Goodbudget. You can try the app for free for 60 days and after that, you can choose between three paid plans, depending on your needs. Mvelopes Basic costs $6/month, Mvelopes Premier $9.95/month, and Mvelopes Plus $19/month.


Quicken was first released in 1983 as desktop software that has little to do with today’s budgeting apps. It is an extremely popular personal finance app, now available on both iOS and Android. Like most apps, it allows you to check your balances, accounts, and transactions, see your spending trends as well as your investment performance. You can try it for free for 30 days after which you can choose between four plans that range between $34.99 and $89.99 per year.


Acorns is an all in one app that allows you to track your spending, automatically invest your spare change, set up an automated retirement account, and even learn more about money management. You can choose between three paid plans: Lite for $1 per month, Personal for $3 per month, and Family for $5 per month.

Clarity Money

Clarity Money is a 100% free app for managing your finances. It allows you to open a Marcus Online Savings Account, track your spending and break it down into categories, monitor recurring expenses such as forgotten subscriptions so you can cancel them if you no longer use them. The app is available on App Store and Google Play.