The 12 Best Budget Apps to Make Your Financial Life Easier

No matter your financial situation, a great budgeting app can make your life easier. But that’s especially true when your financial obligations are greater. Many of Remitly’s customers are immigrants who have made the sacrifice to support their loved ones back home, which comes with additional budgeting challenges. With our customers in mind, we’ve rounded up some of the best apps for money management. Whether free or low-cost, these handy apps offer plenty of features to get your expenses in order.

At its most basic, a budgeting app helps track your spending. Usually, you will need to link to a bank account to get the full functionality. Beyond that, some apps offer more financial planning features (often for a subscription fee). It can help to check out screenshots and read customer reviews to get a sense of which app is the best fit.

Let’s dig in. Money matters are about to get easier, or at least, a little more organized.

12 Best Budget Apps

We made these choices by reading online reviews and seeking a variety of features to showcase. Note that some of these apps are more than strictly “budgeting apps,” as they may also offer banking or other financial products. Lastly—we’ve included flags beneath the names to let you know the countries where these apps are available.

1. Budget by Koody 🇬🇧

The Budget by Koody app has a simple, personalized interface that helps you keep up with your finances and control your accounts. It’s intuitive and manual, not requiring a connection to your online banking data. It’s the best choice for those who prefer not to connect to their bank account directly.

2. Cleo  🇬🇧 🇺🇸

This free app has a smart chatbot with a funny “roast me” feature if you like your financial planning with a side of humor. When using the roast mode, the Cleo app sends comical GIFs and “burn” messages to help you notice bad spending habits.

Conversely, its “hype mode” sends you major props when you make positive changes.

3. Emma 🇨🇦  🇬🇧 🇺🇸

Emma‘s free budget app helps manage your finances from a central place. It automatically plans your expenses and identifies wasteful subscriptions. Upgrading to Pro adds features like cashback rewards when you shop at certain retailers.

4. Finhabits  🇺🇸

Finhabits allows you to spend, save, and invest using a subscription fee of less than $10 a week. It also helps you in the budgeting process by developing an investment plan depending on your financial goals and resources. 

5. Mint 🇨🇦  🇺🇸

This popular free budget app allows individuals to connect their financial accounts to one management platform. Mint was one of the first smartphone apps to help track your expenses, savings, and budget all in one place.

Mint makes it easy to sync up different bank accounts, credit card accounts, and investment accounts.

happy young couple using a budget app to manage their bills and spending

6. Moneyhub 🇬🇧

If you want to protect your data while planning your finances, check out Moneyhub. It’s available as a phone app and for desktop use.

For a subscription fee of £0.99 monthly or £9.99 yearly, this technology gathers the details of all your accounts in a central place and helps set your spending limits. It also offers tools for taxes, mortgages, and pension planning.

7. Money Dashboard 🇬🇧

The Money Dashboard free budget app will help you track your spending and show all your accounts in one simple record. It can access your savings and other current accounts, like crypto wallets and credit cards, all at once.

This app offers a spending plan tool that helps in money management, and is well suited for those who have accounts with different providers.

8. Personal Capital  🇺🇸

The free Personal Capital budget app a popular choice to help in planning your finances and building your wealth. Like Mint, it enables you to sync your financial accounts from a central place.

Additionally, it features a retirement planner and offers financial advising and 24/7 customer support.

9. Plum 🇬🇧

Plum’s free budgeting app helps craft a clear picture of your finances, which helps you save money and budget properly. It analyzes your expenses and helps you meet goals with automatic savings’ deposits. If you want to earn interest on your automated deposits, use Plum Plus or Plum Pro.

Lastly, Plum specializes in getting people started with investing—no matter their budget.

10. Pocket Guard 🇺🇸 🇨🇦

The Pocket Guard is a budgeting app for individuals who want to minimize their chances of overspending and control their money. With features that include a debt payoff plan, Pocket Guard aims to automate your ability to reduce debt and meet financial goals. The $4.99 monthly subscription fee is on par with other apps in this category.

11. Simplifi 🇺🇸

Simplifi will give you a personalized experience with real-time updates on your monthly expenditure and balance. It balances your bank accounts and alerts you about your financial capabilities, progress, and goals. While there’s a fee, you can start with a 30-day free trial.

Simplifi also shows a monthly update of your bills and subscriptions.

12. Zeta 🇺🇸

Zeta is a budgeting app designed for couples and families. Their free Money Manager provides a holistic view of joint financial accounts for better budgeting and planning. It allows any couple to track their expenses, work on their bills, and better understand their net worth.

Accounts are categorized as individual or shared; built-in messaging enables quick communication about ongoing expenses.

Getting Started

Once you decide on an app, set aside some time to set it up. You’ll want to gather your financial account details (such as passwords and logins).

Once you’ve entered the necessary information, set categories for your expenses. Check that everything is labeled in a way that makes sense to you. For example: you might want separate “groceries” and “dining out” categories, or you may choose to combine the two into “food expenses.”

About Remitly

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Visit the homepage, download our app, or check out our Help Center to get started.

smiling African father using a budget app to teach his son about finances

Budgeting Resources