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5 of the Best Budgeting Apps to Help you Manage Money

"If you fail to plan, you plan to fail"

Benjamin Franklin may not have been talking about your budget, but it still applies. If you spend more than you make, you’re not going to get ahead. Now we could pull out the bank statements, credit card bills, and the spreadsheets, but who has time for that? Let’s pull out our phones and find the best budgeting app for you!

Here are the top 5 Budgeting Apps out there!

  1. You Need a Budget (YNAB)
  2. Mint
  3. EveryDollar
  4. GoodBudget
  5. Digit

1. You Need a Budget (YNAB)

YNAB helps you think ahead planning for expenses. It helps you set goals and priorities. Like EveryDollar (you’ll hear more later) YNAB believes in putting every dollar to work. Able to be on multiple devices means you can keep track of a budget with your partner. You have the option of a monthly subscription or annual, both are very affordable. With the subscription, you get: real-time help, online workshops, and video courses. This system works with a laptop, iPad, phone (Android or iPhone), Apple Watch, and Alexa. Check out the website to download the app today.

2. Mint

Now maybe you need a budgeting app that doesn’t cost you money, look no further than Mint. Mint offers budgeting tools, cash flow tracking, and even monitoring your credit score. Set bill reminders and create saving trackers. Brought to you by the same people who give you TurboTax, Mint also has in-app refinancing options. Mint is compatible with both iPhone and Android, check it out here.

3. EveryDollar

The EveryDollar app is part of David Ramsey’s Ramsey+ program. There are multiple subscription options: 3 months, 6 months or 12-month subscriptions. This program includes online lessons, tracking your progress, and budgeting. This is where EveryDollar comes into play. Download the app, or use it on your computer, you track your monthly income and give it a job. Each month you take your total income and give each dollar a job. Whether it’s going to savings, or out to dinner, you’re on the right track when there’s no money left over.

4. GoodBudget

GoodBudget uses the Cash Envelope Method. Each envelope is a specific expense: groceries, eating out, bills, etc. You put your designated amount of money in that envelope and once it’s gone, it’s gone, no more spending. But keeping track of envelopes is stressful, what if I lose them?! Here, all your envelopes are in the app. GoodBudget offers a free and plus plan depending on your needs. You can also share the budget with a partner, or various people. This is a nice feature if you have more than one person spending out of a specific budget. Works on iPhones, Androids, and laptops.

5. Digit

For Android or iPhone, this app puts everything in one place and helps you stay in control. Digit tracks your income and spending habits and lets you know when you have extra money to save. Digit will take that extra money and move it to a Digit Savings Account. Each month Digit transfers the amount you can afford. This app also helps you with investing and can match you with the right investment funds. For just $5 a month, this app is inexpensive and convenient. 

Start planning your budget

Whether you’re a financial guru or a complete novice, there’s an app for you. With these great options, you’ll be well on your way to financial stability. An important thing to remember is to find the app that works for you. An unused app isn’t going to help you with that budget!

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Have you tried any of these apps? What's your favorite? Let me know in the comments!


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Great resource to make finance visual and fun

I purchased and downloaded many of the money/debt tracking charts. I like that you can color them how you want or purchased color print versions. When I look at our finance board in our room it looks less daunting and more achievable just from these charts. Thank you for these wonderful resources to help us little people stay on track and keep our money strait!

6 Month Emergency Fund Tracking Chart

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Visa Tracking Chart
Dana Anderson
Visa Debt

Super cute and specific to my goal to pay off my visa card

really great

I work in the finance industry - helping people who are struggling to pay their bills- these really help in breaking down the payments and giving people the visual sense of accomplishment

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Debt Freedom Starter Pack
Sharon Windvogel
Debt Free Starter

I want to say thank you Heidi for these amazing charts. I love them and use it for everything. I have forms on my bathroom wall where i can see my progress. I currently have the Christmas chart and I'm saving for Christmas. I am almost halfway from my desired goal. Our currency in South Africa is in Rands and my current savings is R10 000. I have my daily challenges in order to save small amounts of money and it really adds up. Even saving R5 a day makes a huge difference . Coloring in those charts are fhe fun part because you can see the progress. Saving for a car as well. Have been driving my one for almost 14 years but I want to buy a car cash. Thank you for giving me the ability to do that. Then I have the 2 that I'm paying of debt. Progressing very well. I have shared these charts with my sister and friends and are super excited. Wish I could sent a photo of my charts. I'm super excited. Thank you Heidi. You have taken me to a place where I will be debt free one day. You have given me the tools to do that and I am ever grateful to you. May you be blessed in abundance for what you are doing for us..you are awesome