The app is simple and encouraging to use, and over time it helps you shift away from paycheck-to-paycheck living by teaching you how to account for every penny without constantly feeling stressed about the next big expense. If you overspend one month, it will suggest categories you can cut back in to cover the extra cost. Every step of the way, the app encourages you to think broadly and realistically about your finances by labeling every predictable expense you’ll encounter and showing you how you should be allocating your income to cover it. It’s built around one guiding principle: “Give every dollar a job.” Once you connect your accounts, YNAB walks you through separating all of your spending into categories and then instructs you on the best ways to move money from one category to another to keep everything balanced and avoid overspending. You Need a Budget’s goal is to help you get out of debt and become better prepared for unexpected expenses. Try it For Money-Saving: You Need a Budget Even if you decide not to dive deep into the other parts of the app, knowing how much is in your “pocket” every week is a godsend for anyone and everyone who wants better financial health without having to obsess over every expense. While the app has several helpful and simple-to-use features, its biggest appeal is definitely the “in my pocket” feature, which will show you exactly how much money is safe for you to spend each day, week, or month after you’ve paid your bills and contributed to savings. It will also build a personalized budget for you to help you meet financial goals. Connect all of your accounts and the app will show you what your money goes to every month and ways you can save by improving your spending in certain areas. PocketGuard is an app built for people who want something simple and unobtrusive that will keep them honest about how much money they can realistically spend freely. On top of it all, you have access to a free credit score, and the app will alert you of charged fees, low accounts, and unusual spending.įree, In-App Purchases Available for iOS and Android While the app does a lot automatically (like updating balances in real-time and creating suggested budgets), there’s plenty of room for customization if you want to change how expenses are categorized or alter your suggested budget. You can track your investments, create a budget, compare your wealth to your debt, view how much you’ll save if you cut back spending in a certain area, and see a projection of how much money you can expect to have at the end of the month or year based on current expenses. You can also connect and manage your bills through the app, and it will send you notifications and reminders to let you know when they’re due and how much you owe. financial institution, so you can connect all your accounts - including checking, savings, credit cards, and retirement and investment accounts - and monitor your financial health from a broad perspective. Created by Intuit (of QuickBooks and TurboTax financial fame), it’s the most well-rounded app you’ll find to help manage money. ![]() ![]() Mint is the reigning king of finance apps.
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