December 7, 2022

Start Tracking Your Finances – Check Out These 7 Best Budgeting Apps in 2022

(Photo: Jason Leung via Unsplash)

By making sure you don’t spend more than you earn, budgeting allows you to plan for your short-term and long-term needs. However, this is easier said than done.

The good news is that there are several apps that can help you achieve this goal.

We’ve rounded up the best must-have apps worth checking out if you want to start your budget journey (via Investopedia and nerdwallet). The following are all available to Android and iPhone users.

good budget

Instead of tracking past purchases, this app focuses more on financial planning. This is based on the envelope budgeting method, which divides your monthly money into different expense categories. Your bank accounts will not be linked by this application. You manually add monetary sums, debts, income and account balances. After that, you allocate funds for envelopes.

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Within the app, you have the option to manually add transactions or sync your financial accounts. You can view all your accounts in one place and manage your daily expenses with Mint. The app automatically categorizes your purchases so you can quickly view totals by category. Additionally, Mint provides monthly bill tracking services, such as payment reminders to avoid late fees. The tool also allows you to monitor portfolio fees and track your investments.

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Personal capital

Checking, savings, and credit card accounts, as well as mortgages and loans, can all be connected and tracked. The app displays a snapshot of recent purchases by categorizing them. You can change these categories and see what proportion of your monthly expenses each represents. This app’s investment options are what sets it apart from other budgeting and saving apps, so if that’s what you want to do, you might want to check out another app.

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The features of the app are aimed at helping users reduce their expenses. Your income, expenses, and savings goals are tracked by an algorithm the company uses to determine how much you can spend each day. It’s easier to stop overspending and support your financial goals using these spending limits.

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Simplified by Quicken

This app gets high scores for providing a personalized spending plan with up-to-date information on how much money is still available for spending each day of the month. So you can see where you are and how you are doing with your financial goals, the app syncs your bank accounts. Including subscriptions you don’t use, Simplifi by Quicken keeps track of all your monthly expenses and payments.

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Instead of tracking previous transactions, this app is designed to encourage users to make financial plans in advance. With YNAB, you create a plan for every dollar you earn using the zero-based budgeting method. Immediately after receiving your paycheck, you tell YNAB how much of your money should be allocated to specific categories, such as expenses, goals, and savings.

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Couples whether they share finance or not are the target audience for this app. The app offers services for all types of couples, including cohabiting partners, engaged couples, newlyweds, and expectant parents. To track expenses, view your net worth, and manage bills all at once, you can sync multiple accounts.

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