Where does all the money go by the end of each month? Put a budget-tracking app on your smartphone, and you'll no longer need to wonder. Whether you're interested in tracking your expenses or you're planning to save up for something down the road, there are plenty of apps that can help you easily set a budget, log your expenses, and even do some micro-investing on the go. Here's a selection of our favorite budgeting and personal finance apps for Android and iOS devices.
PocketGuard (Android, iOS) is an all-in-one bank account tracking and budget management app that shows you how much you've got in your accounts, as well as how much you can afford to spend for the day. The app connects to your bank and card accounts through an encrypted, read-only connection, allowing you to quickly view the status of your accounts and transactions while remaining secure. The app automatically sorts your purchases, subscriptions, and bill payments, and factors in your previous spending factors to provide you an estimate as to how much you can safely spend from your accounts without going into the red.
Home Budget with Sync (Android, iOS) is a solid budgeting and expense management app with a neat Family Sharing feature that allows users to easily set a budget, and then sync income and expenses between multiple devices. Home Budget allows users to create a budget, manage income amounts and easily log and categorize expenses over time. Users can easily track purchases and learn about their spending habits with charts, infographics or itemized lists of purchases. The real selling point though is the family sharing, which syncs your budget and purchases, allowing you to easily coordinate your bills and expenses with family members or friends.
Wally aims to bring all of the financial information you need into easy view so you can quickly take control of your finances. Users can set a savings target, spending budget and income, which you can quickly reference on the main screen. We like that you can quickly create and view expenses, keep track of money saved and saving goals. Neat features include social and location tools for your expenses, allowing you to record not only how much you spend, but also where and with who, as well as detailed infographics of your spending.
Wallet (Android, iOS) is another neat mobile budget and finance tool that touts a lot of best-in-class features, as well as support for multiple currencies. The app includes automatic bank syncing for your balance and expenses. It also gives you the option to manually import entries manually, label transactions for easy tracking, and track budgets. Financial insight and other metrics and predictions display in easy visualizations to help you plan out your finances. While the app is free, you'll want the $14.99 premium subscriptions to take advantage of features like bank syncing, widgets, and more detailed charts and reports.
Dollarbird (Android, iOS) takes a collaborative, calendar-centric approach to budgeting and expense tracking. You can add, remove and edit expenses and income past and future in a calendar-style view, with some AI help to categorize your entries. You can then view your expenses and income in calendar and timeline mode, or via a series of handy infographics on your mobile device or through a web interface. Premium users can create multiple budgeting calendars and share them with other users to collaboratively manage and log finances and expenses — great for small teams or families.
Honeyfi (Android, iOS) is another app built around collaborative budgeting and households in mind. You can quickly set up a household budget as well as link your individual and household accounts to the app so that you can view all your expenses together. You can tag transactions, add comments, create categories, and have the app automatically recommend a budget and share financial insights that can help you and your partner come to grips with your expenses and plan out your finances together.
Clarity Money (Android, iOS) is a free personal finance app that helps you manage your budget and save money through a variety of methods. Users link their bank and card accounts to the app, and Clarity then analyzes your spending behavior, identifying opportunities to save money, such as discounts and coupons for your bills, pointing out subscriptions that you might not be using, and helping you build a budget and track your spending. Users can also set a savings goal, with Clarity Money taking a set amount from your bank account periodically to deposit in a savings account.