Best Budgeting Apps in 2023

Money management isn’t the most straightforward task. It might be a bit challenging to keep track of spending and the bank balance since many of us don’t balance a checkbook anymore. You can track your expenditure using personal finance applications that can link to your bank account.

These programs may help you track upcoming bill payments, figure out where your money goes the most, monitor your credit score, and manage your investment portfolio. Some even enable direct bill payment using the app. For managing your total money, the top personal finance apps offer a variety of functions.

You Need a Budget (YNAB)

Because of its well-known budgeting ethos and standing, You Need a Budget (YNAB) takes the top rank. According to YNAB, first-time budgeters often save $600 in their first two months and more than $6,000 in their first year. YNAB provides a 34-day free trial despite being the most expensive choice on our list. The legit app will also remind you when to pay loans so that you don’t forget anything.

With YNAB, you may manually enter each transaction, import data from a file, or sync your bank accounts. The business advises starting by watching video tutorials, attending a live class, or reading a manual to master the fundamentals of the software. Unlike some of its rivals, YNAB takes a proactive approach to budget rather than just tracking your past spending.


Mint is one of the most established and well-liked budgeting programs. You may use many services from Mint, owned by Intuit, the company behind QuickBooks and TurboTax, to keep track of and manage your money.

Although it has a lot of features, the budgeting tools, which are prominently shown when you log in, are the most helpful. When connected credit and debit cards make purchases, Mint automatically classifies them and compares them to a budget you can adjust and personalize.


You can make and maintain a budget with the aid of the budgeting tool Goodbudget. In order to maintain motivation and stay on track, you can use the debt tracking option. Additionally, it aids in financial management by enabling you to pinpoint the location and status of your finances. In 2021, expenditures climbed by 9.1 percent, while average yearly income before taxes increased by 3.7 percent.

Goodbudget requires a subscription, but once you do, you’ll enjoy unlimited access to the app on numerous phones and the web. It indicates that allowing family members or spouses access to your account is simple. To avoid miscommunications and financial disasters, it enables you to maintain a financial connection even while you are physically separated.

You never have to be concerned about specific financial transactions going missing since all transactions are synchronized to the cloud. Track your expenditure using pie charts and reports, with produced reports providing a more in-depth perspective of your money. 

You may organize your resources into available amounts with each digital envelope designated to a certain cost. Through the use of virtual tools, it is a visible approach to better your financial situation.


The budgeting application Honeydue is designed specifically for couples. Create an account with your email, then ask your spouse to join Honeydue. The registration process is short and simple.

Your personal and joint funds are both visible to you in one spot with Honeydue. The amount of information your spouse can view can also be restricted. You can share your balance and transactional information when you link a bank account to the app, or you may choose to share neither.

By setting up recurring bill reminders or communicating about private financial matters via the app’s chat function, Honeydue helps you keep your finances organized.

Personal Capital

Exceptional reporting options, desktop capabilities, an investment management platform, and expenditure tracking are just a few of the reasons Personal Capital takes the top rank on our list of the best budgeting apps. 

Personal Capital, a product of Empower Retirement, provides a comprehensive perspective of a customer’s overall financial situation, including daily spending and performance monitoring for their portfolios. The largest portion of spending in 2021 was on housing (33.8 percent), then came transportation (16.4%), food (12.4%), then personal insurance, and pensions (11.8 percent).


A variety of savings options are available on the app that may be used to pay off debt, save for retirement and emergencies, and more. It also features top-notch advice tools, such as a real-time net worth tracker and financial planning tools, including a cash flow analyzer and investment checkup, as well as a financial planner and an investment fee analyzer. All of these tools assist you in making plans while providing extensive insights into your present financial situation.


Despite not having the most features on our list, PocketGuard’s feature set is nonetheless appealing to us. The application has a big emphasis on simplicity.

You can keep track of your expenses and link your bank, credit, loan, and investment accounts. The program utilizes the data to determine how much cash is left over after paying for goals, bills, and necessities.

In addition, PocketGuard monitors your financial situation and allows you to check your money manually without connecting your accounts. With the paid version, PocketGuard Plus, you may export your transactions and access additional tools, including a plan for paying off debt.


An app for tracking your finances may be downloaded to your smartphone, tablet, or computer. The most basic budgeting tools let you know how much you make and categorize your costs so you can see where and how much you spend.

However, many budgeting applications provide much more. The better ones provide additional services like tracking your assets, bills, savings, and/or credit score. They will notify you when a bill is due soon or suggest strategies to save money.

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I have always been a shopaholic. A lot of times my questions went unanswered when it came to retail questions, so I started Talk Radio News. - Caitlyn Johnson

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