Here are the 12 Best Personal Finance Apps 2022 Free and Paid. See the best budgeting apps for year 2022.
A personal finance app is an app that you can download to your smartphone or tablet to help you manage all aspects of your personal finances.
Personal finance apps can help you track your spending, savings and investments.
They can also track bill payments and keep you up to date on credit score changes.
You can connect personal finance apps to your financial institution so you can see where money is being spent from your bank account.
A personal finance app makes it easy to keep track of your finances on the go.
Typically, a personal finance app will have various features like a shared wallet, bill reminders, auto bill payments and even manage subscriptions.
12 Best Personal Finance Apps 2022 Free and Paid
Mint, the personal finance app from Intuit, is one of the most well-known personal finance apps that provides your complete financial picture in one place.
Once you’ve linked your credit and debit cards to your account, Mint pulls up your transactions, categorizes them, and shows you how you’re spending your money.
You can keep track of your bills and expenses and create a budget that you can stick to.
The site offers free access to your credit score, and you can get an analysis of the factors that contribute to your score in order to stay on top of your credit health.
Plus, you can track your investments and manage utility payments.
Personal Capital is primarily an investment tool, but its free app includes useful features for budgeters who want to track their spending.
You can connect and monitor checking, savings and credit card accounts as well as IRAs, 401(k)s, mortgages and loans.
The app provides a spending snapshot by listing the recent transactions by category.
You can customize those categories and see the percentage of total monthly spending that category represents.
Personal Capital also serves as a net worth tracker and portfolio breakdown.
The service is integrated with over 14,000 financial institutions so you can link your accounts within the app.
While you can connect to your bank account to track spending and create a monthly budget, the app really helps you track and optimize your investments.
You can track your portfolio by account, asset class or individual security. With built-in intelligence available on the tablet and mobile versions of the app, you can discover opportunities for diversification, risk management, and discover any hidden fees you may be paying.
You Need a Budget, also known as YNAB, is a personal finance app built around the four rules of YNAB.
The rule – work every dollar, accept your actual expenses, roll with the punches and let your money age – not only helps you create a better budget but also helps you regain control of your spending Is.
Import transactions from your checking account and apply them to each budget category to get an accurate picture of your spending.
If you accidentally overspend (or if you budgeted less for a certain category), keep a balanced budget by adjusting budget categories.
The detailed report shows you how your spending is growing throughout the month and helps you find places where you can improve your spending.
According to YNAB, the average new user saves $600 in the first two months and more than $6,000 in the first year. You can try the app for free for the first 34 days.
Mobills organizes your expenses into categories so you can track when your spending is moving toward your budget amount.
Look at the balance you have for spending in each budget category, so you can rein in your spending as needed.
The budget planning app includes interactive charts that allow you to analyze your financial life; You can use them to make adjustments as you need to reach your bigger financial goals.
Add your credit cards to the app so you can see your current balance and spending limit in one place.
You can add all your bills and due dates to keep track of where you need to pay your bills.
The free version of the app has limited functionality while upgrading to the premium version will give you full access to all the features of the app.
Domestic finances are an area of contention for many couples. Honeydew aims to help couples with better communication and transparency about their spending and finances.
Instead of texting or calling their partner, couples can chat back and forth about expenses inside the app.
By combining this with automatic bill reminders, you and your partner can communicate about bills more clearly.
You can also decide within the app whether one person will be responsible for the expense, or if it will be split equally.
To get started with the app, integrate your bank accounts into the app. The app hosts over 20,000 different financial institutions.
If you and your partner choose, you can open a Honeydew joint bank account, which is FDIC insured by Sutton Bank.
The account has no fees or minimums and comes with a free debit card with which you can use over 55,000 surcharge-free ATMs, Apple Pay and Google Pay.
It can also provide instant notifications to your partner. This app is free of cost.
PocketGuard is an effective budgeting app thanks to the ability to show simple numbers: how much you have, how much are your bills and how much is left.
The app also shows you, in a useful pie chart, which is customizable, which expenses are taking up most of your budget.
To help remind yourself of potentially overspending, you can set spending limits directly in the app.
An excellent feature of the app is that by adding up to your recurring bills, it can help you negotiate better rates on your bills such as your cable bill or cell phone.
Once they input information about themselves in their profile section, the app does so by offering tailored offers to its users.
Also, an automatic saving feature is available for all users. Automating your savings is a great way to effortlessly grow your savings account or emergency fund.
However, users of the free version will be charged a $2 monthly maintenance fee for the PocketGuard Autosave feature. There is no such fee for users with PocketGuard Plus.
Keep in mind that the app restricts some features in the free version, such as tracking your cash flow and the ability to create your own spending categories.
GoodBudget is based on the envelope system, in which you divide your monthly income into specific expense categories.
The app allows multiple devices to access the same account, so partners and family members can share a budget.
Unlike most other apps, your bank accounts are not synced in GoodBudget. You manually add account balances (which you can access from your bank’s website), as well as cash amounts and loans.
With accounts and income entered, you allocate money to spending categories, known as envelopes.
The free version allows for one account, two devices, and limited envelopes.
The Plus version, which is $7 per month or $60 annually, offers unlimited envelopes and accounts, up to five devices, and other features.
The EveryDollar app uses the zero-based budgeting method recommended by personal finance expert Dave Ramsey.
Zero-based budgeting gives every dollar a purpose in budgeting, hence the name of the app EveryDollar.
A built-in monthly expense tracker allows you to connect with your bank to import transactions to keep up with your spending.
You can also split expenses among several budget items. The tracker shows you the amount you have spent for the month so far and the amount you have left to spend.
Through the app, you will be able to connect with wealth management experts who can help you with your financial planning.
You’ll be able to access your budget through the app or via a desktop computer.
All new users get a free trial of the premium version of the app. You can upgrade permanently through the app menu.
Prism shows all your bills and financial accounts in a single app, giving you a complete picture of your finances.
The app covers 11,000 billers – more than any other app – covering large banks and even small utility companies.
Add your bills to the app and Prism automatically tracks your bills and sends you due date reminders to help prevent late payments.
You can use the app to pay your bills by scheduling payments to be made on the same day or several days in advance.
Prism eliminates the need to login to multiple accounts paying bills.
When you subscribe to Stash, you’ll be given access to: several budgeting tools, a taxable brokerage account, a debit card that earns you stock when you use it for spending, and a digital checking account.
Within the budget portion of the app, Stash comes with features where you can track your spending and set savings goals.
If you want to automate these goals, you can passively use tools like Round-Up and Automated Investing to help you achieve your goals.
With Passive Savings, the checking account Stash offers has no overdraft fees, no minimum balance, no hidden fees and checks received via direct deposit are received two days in advance.
As for investing, Stash makes it possible for everyone—even with just a few dollars—to start with what’s called a fractional share or a share of a stock of stock.
You can start investing in companies of your choice without buying the entire stake.
Stash comes with three different plans, each of which comes in increased price and features. The $1 per month Stash Beginner account includes basic features like investing, banking, and budgeting tools.
Stash Growth, its $3 plan, includes access to the Stash Smart Portfolio and retirement IRA accounts.
$9 Stash+ account includes $10,000 in life insurance coverage, custodial account investments for children, and premium investment research and advice.
Many other personal finance apps are for personal use. Spendee allows you to create shared wallets with friends and family that you can use to manage shared expenses for household budgeting.
Import your bank transactions and let the app categorize them for you based on how you’re spending money each month.
You can add cash expenses manually for a more accurate picture of where your money goes.
Avoid going over budget by creating a budget amount for each spending category and tracking your progress toward the budget amount.
Bill Tracker functionality ensures that you remember to pay each of your bills and avoid late payment penalties.
If you’re going on a trip or another special event, you can create a category specifically for that event to track your spending and keep yourself on budget.
Zeta is one of the few free budgeting apps designed specifically for couples, joint finances or not.
The app caters to all types of couples, including those who are living together, engaged, married or are new parents.
You can sync different accounts to track spending, view your net worth and manage bills all at once.
You can also sign up for a combined no-fee banking account and card that includes features such as direct deposit, digital checks, access to the MoneyPass ATM network, contactless payments and bill payments.
All these advanced features make Zeta our best choice for couples. Free budget app and free joint bank account.
Budgeting or financing is a challenge for many people. While many people want to reel in spending, it can be daunting to manually track expenses with a spreadsheet, which makes it all too easy to drop everything.
Fortunately, there are budgeting apps to automate the process. You can get more financial helps and guides on digitalmarketingfinance.com
The only problem is that the market is full of free and subscription-based budgeting apps, and most people don’t have the time or energy to do a one-month trial. Luckily, we’ve done the heavy lifting for you.
To create our roundup of the best budget apps, we considered the 12 best companies on the market.
We compared each app’s budget functionality, pricing, free trials, and user reviews. We compared product features, educational tools, security, and how each app accesses your financial data.
All of our picks are free, offer a free version, or a free trial, so you don’t have to waste money on a budgeting app that doesn’t suit your needs.