In today’s fast-paced world, managing finances can be a challenge. But don’t worry, as there are plenty of money-saving apps designed to make your life easier and your wallet happier. We’ve compiled a list of the 43 best money-saving apps to help you stay on top of your finances and save some serious cash. So, let’s dive in!
Top Money-Saving Apps
- Mint: Mint is an all-in-one app for managing personal finances, allowing users to connect their bank accounts, track their income, and monitor their spending. The app automatically logs and categorizes transactions, and users can also monitor their credit score and receive notifications of changes to their credit report. While Mint is free to use, a premium subscription at $4.99 a month unlocks additional features like automatic subscription cancellation, spending projections, and more detailed insights into spending habits. Despite competition from newer apps, Mint remains a solid and popular option for personal finance management.
- You Need a Budget (YNAB): YNAB, also known as You Need a Budget, is a comprehensive, zero-based budgeting app that offers detailed breakdowns of spending and earnings. The app connects to users’ bank accounts to import transactions and syncs in real-time across multiple devices. Users can track savings goals, monitor net worth, and use a loan calculator to calculate interest rates and potential savings. YNAB offers smart categorization, which learns how users sort purchases and adjusts to future spending. The app is ad-free and offers a free trial for 34 days and a year-long free trial for college students. After the free trial, the app costs $14.99 a month or $98.99 a year. The interface can be more intimidating than other budgeting apps, but it offers advanced features for users who want to dive into the nitty-gritty of their personal finances.
- Simplifi: Simplifi is a budgeting app that offers a simple and intuitive design for easy budgeting. It allows you to connect all of your financial accounts and set financial goals and budgets while keeping track of your spending. The app can also calculate how much money you’ll need to save to meet your goals and recalculate if you alter the time frame or goal. Simplifi is backed by Quicken, a finance giant, and costs $2.99 to $5.99 a month with a 30-day free trial.
- Buddy: Buddy is a budgeting app that allows you to manually input transactions and create budgets to track your expenses. It has features like custom categories and insights into spending history and can be shared with others, making it ideal for couples or roommates. However, the lack of bank account linking might be a deal breaker for some. Buddy is free, but a premium subscription ($9.99 monthly) is required for certain features.
- Rocket Money: Rocket Money is an all-in-one budgeting app that offers tools for managing subscriptions, negotiating bills, and budgeting. The app allows users to calculate their monthly allowance and set goals for categories, such as restaurants or shopping. Additionally, it offers spending insights to help users build better budgets and manage their finances. Rocket Money also includes a subscription management feature that checks bank accounts for recurring charges and can negotiate high cell phone or cable bills down to a lower rate. The app is free, but premium features cost between $3 to $12 per month.
- Clarity Money: Clarity Money is a free app that helps users manage their finances by analyzing their spending history and providing budgetary insights. The app connects to existing accounts and provides tools and information to make better financial choices, including tracking spending in different categories and offering easy-to-use features.
- Stash: Stash is an app that helps users invest their savings. With just $1, users can invest in more than 150 ETFs and individual stocks. Stash offers various options for investing, including round-up purchases, set scheduled withdrawals, and its Smart-Stash feature that analyzes income and expenses to determine how much a user can afford to invest.
- Varo: Varo offers an online checking and savings account that pays 5.00% APY on balances of up to $5,000 and 3.00% APY on balances over $5,000, which is more than 20 times the average savings account. The account has no monthly fees, and it requires meeting certain requirements to qualify for the high interest rate.
- Mvelopes: Mvelopes is a digital budgeting app that helps users categorize their spending into envelopes. It offers ongoing learning, personalized consultations, and debt management advice. The basic version of Mvelopes costs $6 per month, while the Plus subscription costs $19 per month and the Complete subscription costs $59 per month. The app syncs to user accounts to allow for detailed budgeting and control over spending. The Plus and Complete subscriptions also provide access to financial trainers, educational resources, and debt reduction tools.
- Trim: Trim is a financial assistant app that can sync to all of your accounts for transaction analysis and expense recommendations. It suggests areas where you can cut down or cancel altogether and then searches for more affordable service providers for cable, insurance, internet, and more. Trim also offers a feature that negotiates with service providers to lower your bills. The app is free to use, but certain features, like bill negotiation and premium support, require a subscription at $99 per year.
- Wallet: Wallet is a personal finance app that allows users to track their expenses, set budgets, and plan for financial goals. The app connects to your bank accounts and credit cards, automatically tracking and categorizing your spending. Wallet also supports multiple currencies and provides detailed financial reports to help you make informed decisions. The basic version of Wallet is free, while a premium subscription, which offers additional features, costs $21.99 per year.
- Chime: Chime is an online banking platform that offers a fee-free checking and savings account. The Chime Spending Account is a checking account with no monthly fees, overdraft fees, or minimum balance requirements. The Chime Savings Account is a high-yield savings account with no monthly fees or minimum balance requirements. Chime also offers features like automatic savings, mobile check deposits, and instant transaction notifications.
- GasBuddy: GasBuddy is an app that helps users find the cheapest gas prices in their area. By using crowdsourced data, GasBuddy provides real-time information on gas prices at nearby stations. Users can save money by finding the best prices and earning rewards through the GasBuddy program.
- Acorns: Acorns is an investing app that helps users save and invest their spare change. The app rounds up your purchases to the nearest dollar and invests the difference in a diversified portfolio. Acorns also offers a checking account with no minimum balance or overdraft fees and a retirement account option. Subscription fees range from $1 to $5 per month.
- Twine: Twine is a financial app designed for couples to save and invest together. Users can set joint financial goals, such as saving for a vacation or a down payment on a house, and track their progress. Twine offers a free savings account with competitive interest rates and a low-cost investment account with a $100 minimum investment.
- Qapital: Qapital is a personal finance app that combines savings, investing, and budgeting in one platform. The app allows users to set goals and save automatically through customizable rules, like rounding up purchases or setting aside a percentage of income. Qapital also offers a low-cost investment account with a variety of portfolio options. Subscription fees range from $3 to $12 per month.
- Digit: Digit is an app that analyzes your spending habits and automatically saves money for you based on your lifestyle and goals. The app uses algorithms to determine how much you can afford to save and transfers that amount from your checking account to a separate Digit account. Digit offers a 30-day free trial, after which it costs $5 per month.
- Qoins: Qoins is an app that rounds up your purchases to the nearest dollar and uses the spare change to pay off your debt. The app connects to your bank account and analyzes your spending to calculate how much you can afford to put toward debt each month. Qoins charges a small fee of $1.99 per payment made toward your debt.
- Fudget: Fudget is a simple budgeting app that allows users to create lists of income and expenses, set budgets, and track their spending. The app is designed for ease of use, with a straightforward interface that makes budgeting quick and hassle-free. Fudget does not link to your bank accounts, so all transactions must be entered manually. This app is ideal for users who prefer a more hands-on approach to budgeting. The basic version of Fudget is free, while the pro version, which offers additional features like recurring transactions and exporting data, costs $3.99.
- EveryDollar: EveryDollar is a budgeting app that simplifies the zero-based budgeting process. The free version requires manual entry of incoming and outgoing money, categorization of budget items, and bill payment reminders. The paid version allows for automatic syncing with bank accounts, custom reports, and investment tracking. However, the free version is basic and the paid version is expensive. Additionally, there are limited resources on the app’s website to help users understand how to use it. The basic version is free while the paid version costs $79.99 annually or $12.99 monthly after a 14-day trial.
- Ibotta: Ibotta is a coupon app that offers rebate offers to help users save money on various products. Users can redeem offers within the app without the need for physical coupons. New users may also be eligible for a cash bonus.
- Empower Personal Wealth: Empower Personal Wealth is primarily an investment tool but its free app includes features helpful for budgeters looking to track their spending. Users can connect and monitor various accounts, including checking, savings, credit cards, IRAs, 401(k)s, mortgages, and loans. The app provides a spending snapshot and a net worth and portfolio tracker. However, its budgeting features are not as comprehensive as other budgeting apps. The app is free to use.
- Honeydue: Honeydue is a budgeting app designed for couples. Both partners can sync their bank accounts, credit cards, loans, and investments to view their financial pictures in one app. The app automatically categorizes expenses and allows for custom categories, along with the ability to set monthly limits and receive alerts. Honeydue also sends bill reminders and has a chat function with emojis. However, the app is more focused on reflecting on past transactions rather than planning ahead for expenses. The app is free to use.
- PocketGuard: PocketGuard is a user-friendly budgeting app that helps users track their spending, set financial goals, and create budgets. The app connects to users’ bank accounts and credit cards, automatically categorizing transactions and providing insights into spending habits. PocketGuard offers a unique “In My Pocket” feature, which calculates how much money users have left to spend after covering bills and savings goals. The app also provides bill reminders, a debt payoff calculator, and a subscription analyzer. PocketGuard is available for free, with a Plus version offering additional features for $4.99 per month or $34.99 per year.
- Wally: Wally is a budgeting app that offers expense tracking, customizable budgets, and financial goal setting. The app allows users to connect their bank accounts and credit cards for automatic transaction logging, while also supporting manual entry. Wally offers features like recurring expenses, bill reminders, and expense categorization, but it lacks advanced features like investment tracking and credit score monitoring. The app has a clean, intuitive interface and is free to use, with a premium version called Wally Gold available for $5.99 per month or $64.99 per year.
- Goodbudget: Goodbudget is a digital envelope budgeting system that helps users allocate their income into various spending categories. The app allows for the manual entry of transactions or the ability to import transactions from bank accounts via a CSV file. Goodbudget also offers features like debt tracking, syncing across multiple devices, and the ability to share budgets with family members. The app is geared toward users who prefer a hands-on approach to budgeting, and it is available for free with a limited number of envelopes. A Plus subscription is available for $7 per month or $60 per year, which includes unlimited envelopes and additional features.
- Spendee: Spendee is a visually appealing budgeting app that helps users track their expenses, set budgets, and view financial insights. The app supports syncing with bank accounts and credit cards for automatic transaction logging, as well as manual entry. Spendee offers features like shared wallets for budgeting with family members or roommates, a travel mode for budgeting in different currencies, and customizable budget categories. The app is available for free with basic features, and premium plans are available for $2.99 per month or $23.99 per year, offering additional features such as unlimited budgets and wallets, bank account syncing, and more.
- Dollarbird: Dollarbird is a budgeting app that utilizes a calendar-based approach to help users visualize their finances over time. The app allows for manual entry of transactions and offers features like recurring expenses, customizable categories, and the ability to plan for future expenses. Dollarbird’s calendar interface makes it easy to see when bills are due and how much money is available for discretionary spending. The app is available for free with basic features, while the Pro version, which offers additional features like multiple calendars and data export, costs $4.99 per month or $39.99 per year.
- Copilot: Copilot is a subscription-based personal finance app that offers expense tracking, budgeting, and financial insights. The app connects to users’ bank accounts and credit cards, automatically categorizing transactions and providing personalized recommendations based on spending habits. Copilot offers features like bill reminders, customizable budgets, and the ability to track cash transactions. The app is available for $5.99 per month or $59.99 per year, with a 7-day free trial available.
- HomeBudget: HomeBudget is a comprehensive budgeting app that offers expense tracking, bill reminders, and financial reports. The app supports the manual entry of transactions and allows users to sync data across multiple devices, making it ideal for families who want to collaborate on their budgeting efforts. HomeBudget offers features like customizable categories, a built-in calculator, and the ability to attach photos or receipts to transactions. The app is available for a one-time purchase of $4.99, with no recurring subscription fees.
- Toshl Finance: Toshl Finance is a budgeting app that helps users manage their finances through expense tracking, budgeting, and financial planning. The app supports both manual entry and syncing with bank accounts and credit cards, offering features like customizable categories, bill reminders, and graphical financial overviews. Toshl Finance is available for free with basic features, while a Pro subscription ($4.99 per month or $39.99 per year) offers additional features such as unlimited budgets, data export, and more.
- Zeta: Zeta is a budgeting app specifically designed for couples, allowing partners to manage their finances together or separately. The app connects to users’ bank accounts and credit cards, automatically categorizing transactions and providing insights into spending habits. Zeta offers features like shared or individual budgets, bill reminders, and the ability to track joint or separate transactions. The app is available for free and offers a secure and transparent way for couples to collaborate on their financial goals.
- Financisto: Financisto is an open-source personal finance manager that helps users track their income, expenses, and budgets. The app supports manual transaction entry and offers features like customizable categories, recurring transactions, and financial reporting. Financisto is ideal for users who prefer an ad-free experience and don’t require integration with bank accounts. The app is available for free on Android devices.
- MoneyWiz: MoneyWiz is a comprehensive personal finance app that offers expense tracking, budgeting, and financial planning features. The app connects to users’ bank accounts and credit cards, automatically categorizing transactions and providing insights into spending habits. MoneyWiz offers features like customizable categories, bill reminders, and extensive reporting tools, including the ability to generate custom reports. The app is available for a one-time purchase of $49.99, with no recurring subscription fees, making it a cost-effective option for those looking for a long-term solution.
- PocketSmith: PocketSmith is a comprehensive financial management app that allows users to connect their bank accounts, credit cards, loans, and investment accounts. With powerful forecasting tools, PocketSmith enables users to project their account balances and cash flow up to 30 years into the future. The app also offers budgeting features, the categorization of transactions, and customizable reports. PocketSmith has a free plan with limited features, while the Premium plan costs $9.95 per month and the Super plan costs $19.95 per month.
- Prism: Prism is a bill management app that helps users stay on top of their bills and avoid late fees. The app allows users to connect all their billers and syncs their due dates and amounts in a single, easy-to-read calendar. Users can also set up reminders and make payments directly through the app, ensuring they never miss a payment. Prism is free to use and available on both iOS and Android devices.
- Status Money: Status Money is a unique personal finance app that allows users to compare their financial status with peers in similar age groups, locations, and income levels. The app helps users understand their spending, saving, and investing habits by providing insights and recommendations based on the comparison data. Additionally, Status Money offers budgeting features, credit score tracking, and personalized offers for financial products such as loans and credit cards. The app is free to use and available on both iOS and Android devices.
- Tiller Money: Tiller Money is a budgeting app that automates spreadsheets for personal finance management. By connecting to users’ bank accounts, Tiller Money automatically imports transactions into customizable Google Sheets or Microsoft Excel templates, allowing for a high level of personalization. It’s an excellent option for users who prefer the flexibility and control of spreadsheets but want the convenience of automation. Tiller Money offers a 30-day free trial, and after that, it costs $6.58 per month or $79 per year.
- Savings 2: Savings 2 is a budgeting app specifically designed for macOS and iOS users. It offers a simple and clean interface, allowing users to easily track income and expenses, and set up budgets for various categories. The app supports multiple accounts and currencies, making it suitable for users who have accounts in different countries or frequently travel. Savings 2 is available for a one-time purchase of $9.99 on macOS and $4.99 on iOS.
- Banktivity: Banktivity is a comprehensive personal finance management app designed for macOS and iOS users. It enables users to connect all their financial accounts in one place, track income and expenses, create budgets, monitor investments, and generate detailed reports. The app also features bill pay and smart categorization, which learns users’ preferences and automatically categorizes transactions. Banktivity offers a 30-day free trial, and after that, it costs $49.99 for macOS and $19.99 for iOS.
- Spendy: Spendy is a budgeting app that helps users track their expenses by providing insights and visual representations of their spending habits. With a colorful and intuitive interface, Spendy allows users to create budgets for different categories, monitor their spending, and set up alerts when they approach their budget limits. The app is available for both iOS and Android devices and offers a free version with limited features, while the premium version costs $2.99 per month or $29.99 per year.
- MoneyStrands: MoneyStrands is a personal finance app that offers an all-in-one solution for budgeting, expense tracking, and financial planning. The app allows users to connect their bank accounts, credit cards, loans, and investments to gain a comprehensive view of their financial situation. MoneyStrands also provides personalized advice based on users’ financial habits and goals. The app is free to use and available for both iOS and Android devices.
- Personal Capital: Personal Capital is a free wealth management app that helps users track their net worth, investments, and finances. With an easy-to-use dashboard, users can monitor all their accounts in one place, track spending, and analyze their investment portfolio. Personal Capital also offers a retirement planner and investment checkup tool to assess the health of your investment accounts. While the app is primarily focused on investment and wealth management, it still offers budgeting tools for those who want an all-in-one solution. The app is free to use, but the company also offers paid financial advisory services for those interested in additional support.
There are numerous budgeting apps available, each with its unique features and pricing structures. Consider your specific financial needs and preferences when choosing the best app for you.
Money-Saving Apps by Category
Below is a table of the money-saving apps mentioned in this article. For ease of use, each financial app is listed with its category, key features, and price. Happy saving!
| App | Category | Key Features | Price |
| Mint | Budgeting & Tracking | Budgeting, expense tracking, bill reminders, credit score monitoring | Free |
| YNAB | Budgeting & Tracking | Customizable budgeting, goal tracking, debt management, expense categorization | $11.99/month or $84/year |
| Simplifi | Budgeting & Tracking | Budgeting, expense tracking, financial goal planning, spending analysis | $2.99/month or $35.99/year |
| Buddy | Budgeting & Tracking | Custom budgets, expense categorization, spending analysis, goal setting | Free (basic), $4.99/month (premium) |
| Rocket Money | Budgeting & Tracking | Income and expense tracking, financial goals, financial insights, tips | Free |
| Clarity Money | Budgeting & Tracking | Budgeting, expense tracking, savings goals, subscription cancellation, bill negotiation | Free |
| Stash | Investing & Saving | Beginner-friendly investing, personalized recommendations, fractional shares, retirement savings | $1/month to $9/month |
| Varo | Banking & Saving | Fee-free checking, high-yield savings, early direct deposit, overdraft protection | Free |
| Mvelopes | Budgeting & Tracking | Envelope budgeting, expense tracking, financial goal setting, debt reduction | $5.97/month to $19.97/month |
| Trim | Saving & Bill Negotiation | Subscription cancellation, bill negotiation, debt payoff planning, financial goal setting | Free (basic), $99/year (premium) |
| Wallet | Budgeting & Tracking | Budget creation, expense tracking, financial reports, shared wallets, multiple currency support | Free (basic), $1.99/month (premium) |
| Chime | Banking & Saving | Fee-free mobile banking, high-yield savings, early direct deposit, overdraft protection | Free |
| Gas Buddy | Saving & Fuel Management | Find cheapest gas prices, track fuel usage, save on fuel purchases | Free |
| Acorns | Investing & Saving | Round-up investing, retirement savings, education savings, automatic saving features | $1/month to $5/month |
| Twine | Saving & Investing | Goal-based saving, investing, shared accounts for couples | Free (savings), 0.6% annual fee (investing) |
| Qapital | Saving & Budgeting | Goal-based saving, customizable rules for saving, budgeting, investing | $3/month to $12/month |
| Digit | Saving & Budgeting | Automatic saving, customizable savings goals, overdraft protection, investing | $5/month |
| Qoins | Saving & Debt Payoff | Round-up savings, customizable savings goals, automated extra debt payments | $1.99/month |
| Fudget | Budgeting & Tracking | Simple budgeting, expense tracking, no-frills interface | Free (basic), $3.99 (one-time purchase for Pro) |
| Spendy | Budgeting & Tracking | Budgeting, expense tracking, financial reports, shared wallets | $1.99/month |
| MoneyStrands | Budgeting & Tracking | Budget creation, expense tracking, financial goals, financial calendar | Free |
| Personal Capital | Personal Finance Management | Budgeting, expense tracking, investment tracking, retirement planning, wealth management services | Free (basic), fees for |
| Every Dollar | Budgeting & Tracking | Budget creation, expense tracking, debt management, goal setting | Free (basic), $129.99/year (plus) |
| Ibotta | Cashback & Saving | Cashback on groceries, online shopping, and dining, in-app offers | Free |
| Empower Personal Wealth | Financial Management | Budgeting, expense tracking, automatic saving, bill negotiation, financial coaching | Free (basic), $8/month (premium) |
| HoneyDue | Couples’ Finance | Joint budgeting, expense tracking, bill reminders, account balances | Free |
| PocketGuard | Budgeting & Tracking | Budgeting, expense tracking, bill management, savings goals, subscription tracking | Free (basic), $3.99/month (plus) |
| Wally | Budgeting & Tracking | Expense tracking, budgeting, financial goals, shared wallets, currency conversion | Free (basic), $1.99/month (gold) |
| Goodbudget | Budgeting & Tracking | Envelope budgeting, expense tracking, financial goals, debt reduction | Free (basic), $7/month (plus) |
| Spendee | Budgeting & Tracking | Budgeting, expense tracking, shared wallets, multiple currency support | Free (basic), $1.99/month (premium) |
| Dollarbird | Budgeting & Tracking | Calendar-based budgeting, expense tracking, financial forecasts, shared calendars | Free (basic), $4.99/month (pro) |
| Copilot | Budgeting & Tracking | Budgeting, expense tracking, financial goal setting, personalized insights | $9.99/month |
| HomeBudget | Budgeting & Tracking | Budgeting, expense tracking, bill management, account tracking, data sync | $4.99 (one-time purchase) |
| Toshi Finance | Budgeting & Tracking | Budget creation, expense tracking, financial goals, financial reports | Free |
| Zeta | Couples’ Finance | Joint budgeting, expense tracking, financial goals, bill reminders, custom categories | Free |
| Financisto | Budgeting & Tracking | Expense tracking, budgeting, account reconciliation, multiple currency support | Free |
| MoneyWiz | Financial Management | Budgeting, expense tracking, investment tracking, bill management, financial reports | $19.99/year (standard), $49.99/year (premium) |
| PocketSmith | Budgeting & Tracking | Budgeting, expense tracking, financial forecasts, calendar-based planning, net worth tracking | Free (basic), $9.95/month (premium), $19.95/month (super) |
| Prism | Bill Management | Bill tracking, bill payment, due date reminders, account balances | Free |
| Status Money | Financial Management | Budgeting, expense tracking, net worth tracking, financial goal setting, peer comparisons | Free |
| Tiller Money | Budgeting & Tracking | Spreadsheet-based budgeting, expense tracking, customizable templates, financial reports | $79/year |
| Savings 2 | Saving & Goal Setting | Goal-based saving, customizable savings rules, progress tracking | Free |
| Banktivity | Financial Management | Budgeting, expense tracking, investment tracking, bill management, financial reports, tax support | $99.99 (one-time purchase) plus optional subscription services |