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Budgeting and saving money can seem like a daunting task for many individuals. Thanks to smartphones, budgeting has gotten a lot easier. It can even be a fun way to challenge yourself to save money and cut out any unnecessary expenses. Read on for some personal finance apps that will make saving money a little less intimidating.


Created by the team that developed TurboTax and Quicken, this budgeting app is personalized just for you. By connecting your bank account, Mint helps you create a budget, notifies you if there are any suspicious charges, and gives suggestions on how you can reduce the cost of monthly bills and fees. You can also link personal and student loans, auto loans, credit cards, and other financial data. It also shows you your credit score, so you are aware of the overall position of your finances.  

Good Budget

If you are someone that likes to budget via the envelope system, this is the app for you. Much like the envelope system, you place a given amount of money into each of your expenses. Good Budget will let you know where your money is going and how much you have left in the envelope. This app is also great for couples, as the app allows you and your spouse to link your accounts so you can stay on top of your budget and see who is spending money where.

You Need A Budget

Also known as YNAB, this app helps you save money easily. You create a budget using last month’s income, and the app will monitor any infrequent expenses, help prevent you from overspending, and get the most out of your money. This app also provides insight on debt management and teaches you how to pay down your debt adequately.


Like many other budgeting apps, you can link to your bank account to monitor your spending. Unlike other apps though, Digit will review your checking and savings account, study your spending habits and income history, and then predict your cash flow. By doing this, Digit will search for ways to help you save money daily. It will also put aside money that you don’t necessarily need or spend on daily expenses and put into your savings account.

Prosper Daily

This app is excellent for reviewing multiple accounts at once and viewing your credit score. It also features the ability to see where you are spending the most money via spending analytics to allow you to better plan your budget. It’s also beneficial for identifying suspicious or unauthorized charges – it has already determined $75 billion worth of fraudulent charges.