Welcome to my blog on savvy money management, where I’ll be discussing the best budgeting apps to help you take control of your finances. As someone who has struggled with money management in the past, I know how important it is to have the right tools to help you stay on track. Whether you’re just starting out with budgeting or you’re a seasoned pro, there’s an app out there for every need. So without further ado, let’s get started!

1. Mint 🌿

Mint is a popular app that helps you track your spending, set budgets, and monitor your credit score. It’s a great tool for anyone who wants a 360-degree view of their finances. With Mint, you can categorize your spending, set up bill reminders, and get alerts when you’re close to overspending. The app is free to use and is available on both iOS and Android. One downside to Mint is that the app can’t automatically track cash spending.

A smartphone displaying the Mint app on the screen

2. YNAB 💰

YNAB (You Need A Budget) is a budgeting app that focuses on helping you create and stick to a budget. The app operates on a zero-based budgeting system where you assign every dollar a job. This means that every dollar you earn has a purpose and is allocated to a specific category. The app also offers live workshops and webinars to help you learn the ropes of budgeting. YNAB is available on most platforms, including desktop, iOS, and Android, and is free for the first 34 days.

A person holding a piggy bank with the letters YNAB written on it

3. PocketGuard 🛡️

PocketGuard is an app that helps you stay on top of your finances by tracking your spending and creating a budget for you. The app also offers personalized saving tips and alerts you when you’re overspending. With PocketGuard, you can connect all of your accounts, including bank accounts, credit cards, loans, and investments. The app also has a feature that allows you to search for better deals on bills and subscriptions. PocketGuard is free to use and is available on iOS and Android.

A smartphone displaying the PocketGuard app on the screen

4. Personal Capital 💼

Personal Capital is an app that helps you with all aspects of personal finance, from budgeting to investing. With Personal Capital, you can see all of your accounts in one place and get a holistic view of your net worth. The app also offers investment advice and portfolio management tools. Personal Capital is free to use, but there is a financial advisor service available if you want personalized investment advice. Personal Capital is available on both iOS and Android.

A person sitting at a desk with a laptop and financial documents, with the Personal Capital logo in the corner

5. Clarity Money 👍🏼

Clarity Money is a budgeting app that helps you track your spending and categorize your expenses. The app also offers personalized saving tips and alerts you when you’re overspending. With Clarity Money, you can create a budget based on your income and expenses and set up automatic savings transfers. The app also offers a feature that allows you to cancel subscriptions and lower bills. Clarity Money is free to use and is available on both iOS and Android.

A smartphone displaying the Clarity Money app on the screen

And there you have it, my top 5 advanced budgeting apps for every need. Try one of these apps and see how it can help you take control of your finances. Remember, budgeting is a journey, not a destination, and finding the right tools to help you along the way is key.

A person cheerfully looking at their phone while holding a piggy bank