25+ Best Budgeting Apps to Keep Your Personal Finance in Check (2022)

Money management is a skill you can learn. Control your spending, manage cash flow, and save more money with budgeting.

Remember the times when you realized you spent half your salary a couple of days from payroll day? Those days should only be in the past now, as you start using a budgeting app to keep track of your personal expenses.

Budgeting is the process of planning your personal finances, so you can make the most out of your money and save for this one big thing that seems way beyond your lane for the time being.

With our smartphones directly connecting us to our banks, credit cards, and even acting as a payment method through mobile NFC chips, budgeting apps can automatically pull all this data and organize it in an intuitive infographic interface that gives you the bigger picture of where your expenses are going.

Without any further ado, let's dive deeper into some of the best budgeting apps and help you choose the best option that suits your lifestyle and needs.

Benefits of Budgeting and Tracking Money

Budgeting is hard and boring. Why bother at all? Here's why.

1. Taking Control of Your Finances

Budgeting ensures you have full control over your money, instead of the other way around with your money stirring your hands. In other words, through planning, you'll be more deliberate in the way you decide to spend or save your money.

Upon peaking at the bigger picture and seeing where the bulk of your money goes, you can cut on some short-term spendings, like for example, your daily donut on the way to work, to save this cash for a bigger investment down the line.

2. Controlling Your Spendings

Balancing your income and expenses equation is key for better money management. By planning ahead, you'll know which money goes straight to your savings accounts and how much you can spend without hurting your monthly budget.

You also get a better understanding of your spending habits once you start to compile enough data over time. This way, you have a more comprehensive idea of your top spending categories and start to trim down the unnecessary expenditure.

3. Better Management of Cash Flow

Cash flow management can be a bit tricky, especially if you have multiple credit card accounts with spendings dispersed across them. That's only one half of the story; the other lies in compiling all your income channels and comparing the rate by which you're making and spending your money.

4. Saving More Money

We've already touched on how tracking your spendings can help you save more money. That's not all, as having full control over your financial accounts will help you avoid late fees and easily avoidable interests. Such hidden fees might not sound like much at first glance; however, they can add up really quickly.

It's also worth noting that budgeting helps you anticipate any future fund shortages and warn you ahead of time. So, you better start putting aside some emergency fund to help you get through any unexpected financial crises.

Do Budgeting Apps Really Work?

In short, it depends.

I'm a big fan of budgeting and tracking my finances, and it works well for me. By the end of the first month of using YNAB, I saved nearly $100 on unnecessary spending.

However, budgeting is not for everyone.

It requires a mind shift. You must adopt a mindset of responsibility and hone your money behavior awareness skills.

Here's what actual users can tell you about budgeting with YNAB, EveryDollar, and Mint:

“When I started using YNAB, the heavens opened and angels sang! Seriously, it was so simple! It really clicked with me.” – Michelle & Billy
Budgeting for true expenses has made a really big difference using YNAB. It has kept me from having to dip into my emergency fund in order to pay for quarterly or annual expenses.” – Bakari
“Great budgeting tool and useful for my Wife and I to keep tabs on our budget on both phones. Have been using EveryDollar for several years and I am very happy with it's performance!” – Michael Gullett
“Been using for close to 8 years now. Helpful for someone with lots of different accounts. Keeps everything in one place, easy credit monitoring, and easy transaction monitoring/organization. Can add bill due dates and reminders as well. The team does a great job with new features and handling bugs quickly. Highly recommend.” – Kayli Kacoyannakis
“I've been using Mint for about 8 years now, which proved to be helpful for managing different accounts. The app keeps everything in one place and provides easy credit monitoring and seamless transaction monitoring/organization. You can also add due dates and reminders for your bills. It's also worth noting that the team behind the app does a great job with new features and handling bugs quickly. Highly recommended!”

What Is The Best Budgeting App?

1. You Need A Budget - YNAB (My Choice)

Best all-in-one budgeting solution.

YNAB is the best in class.

What makes YNAB stand out among other personal finance solutions out there is the company's unique budgeting philosophy. The goal here is to become one month ahead with your spendings, so your today's expenses are covered by the money you earned at least 30 days ago.

Platforms available: Web, Apple Watch, Alexa-enabled smart home devices, iOS, Android, Windows, and macOS.

Key Features

  • Offers tools that automatically syncs data from all your bank accounts
  • Comes with educational resources in the form of video courses, online workshops, and reading materials to help you learn the basic budgeting concepts
  • Exceptional privacy and security, as all your data are encrypted and safe

Countries available: YNAB is available worldwide.

Pros

  • Offers commitment-free, 100% money-back guarantee
  • Doesn't require a credit card to register for the 34-day free trial period
  • Allows you to set a budget with your family members, so you all work towards the same goal
  • Intuitive reporting system with graphs and charts to keep you updated on your personal finance

Cons

  • On the pricey side, compared to its competitors
  • The learning curve might be a bit steep for some people before they can make the most of YNAB

Pricing Plans

You can start testing YNAB for yourself, as the app offers a 34-day free trial. Once you see how much you saved during this month, you'd want to jump to one of the paid subscriptions, which start at $11.99 per month. YNAB also offers an annual plan that goes for $84, which is a good investment down the line.

Best Budgeting Apps for 2021

2. Personal Capital

Best free tool for building personal capital.

Personal Capital takes a different approach than other entries on our list, as it focuses primarily on managing your investment accounts. Moreover, the app offers a dedicated Retirement Planner and Education Planner tools to ensure you're ready for retirement or covering your student loans.

Platforms available: Web and iOS.

Key Features

  • Offers a dashboard with a real-time view of all your accounts
  • Personal Capital's wealth management services assign two financial advisors to look into your profile
  • The daily blog offers a range of topics to keep you on top of your investment and capital management game

Countries available: The US.

Pros

  • Offers tools to plant for your retirement and college fees
  • Data encryption and secure authentication tools
  • Comprehensive dashboard

Cons

  • The budgeting features aren't fleshed-out

Pricing Plans

The base wealth-building tools are free with a 0.89% annual fee on accounts with $1 million. The annual fee shrinks as your capital builds up over time.

3. EveryDollar

The best tool to create a complete budget in less than 10 minutes.

Once you get your hands on the EveryDollar app, you'll notice how the whole user interface was built around the concept of gamification. With colorful charts everywhere, I was motivated to input every transaction to keep track of my spendings.

Platforms available: iOS, Android, Windows, and macOS.

Key Features

  • Easy tools to set up your monthly budget in no time
  • Allows you to divide your expenses into categories
  • EveryDollar Plus lets you connect all your credit cards and bank accounts

Countries available: The US and Canada.

Pros

  • Offers a free version
  • Intuitive user interface
  • Offers options for automatic transactions input into the app
  • User-friendly

Cons

  • Could benefit from more reporting options
  • The paid subscription is a bit expensive

Pricing Plans

The base model is free, but you need a $99 annual EveryDollar Plus subscription to sync your bank accounts and automatically track your spendings.

4. CountAbout

Best for small businesses owners thanks to its built-in invoicing tools.

CountAbout aims at bundling the flagship features of the top budgeting apps into a more affordable package. The budgeting app automatically downloads all your transactions from plenty of financial institutions and gets everything organized in one place.

Platforms available: Web, iOS, and Android.

Key Features

  • Offers customizable invoices to keep your small business running
  • Allows you to set your monthly recurring transactions
  • Imports data from other budgeting apps like Mint
  • you can attach receipts to their respective transactions

Countries available: The US.

Pros

  • A clutter-free interface that is easy on the eye
  • Mobile apps let you manage your finances from anywhere
  • Excellent customer support

Cons

  • No investment planning tools
  • Account syncing requires a Premium subscription

Pricing Plans

The basic annual subscription goes for $9.99, while CountAbout also offers a $39.99 Premium service for automatic account syncing.

5. Money Patrol

Best for people who want to link all their financial records, including those from utility, phone, and mortgage companies.

Money Patrol excels in its reporting system, as it keeps you in the loop with its weekly, monthly, and yearly summaries. Though the user experience could benefit from some more work, Money Patrol kept me always informed by email and text insights, so I don't even have to log into the app that often.

Platforms available: Desktop and web apps, with iOS and Android apps to be released soon.

Key Features

  • Supports more than 15,000 different financial institutions in the US and Canada
  • Easy tools to track your spending habits
  • Supports plenty of account types, including saving, student loan, and even gift cards

Countries available: The US and Canada.

Pros

  • Useful notifications system via text and email
  • offers categorized spendings by merchants
  • Informative financial summaries

Cons

  • No mobile apps for the time being

Pricing Plans

Money Patrol offers a 15-day free trial and a 30% discount on annual subscriptions to start at $59.99.

6. Digit

Best overdraft protection tool.

Digit lets you get your well-deserved peace of mind, as the app comes with robust automation tools. It automatically pays off your credit cards before you have to deal with unnecessary interest fees, in addition to learning your spending habits and deciding when it's okay to allocate more money to your savings account.

Platforms available: iOS and Android.

Key Features

  • Overdraft prevention tools
  • Overdraft reimbursement program
  • No account minimums required

Countries available: The US.

Pros

  • Your cash is secure in FDIC-insured banks
  • Robust automation tools
  • 256-bit encryption for the best security

Cons

  • Not ideal for long term savings

Pricing Plans

Digit comes with a 30-day free trial and a $5/month subscription afterward.

7. Empower

Best for students who want to cut down on unnecessary expenses.

Empower is a joy to scroll through with all your expenses categorized into pie charts with different icons for different categories. Aside from the looks, the app offers AutoSave and spending limit tools to find some hidden opportunities for more savings based on your transaction history.

Platforms available: iOS and Android.

Key Features

  • Offers Money transfer tools right from within the app
  • Supports cryptocurrency wallets
  • Interest Checking tools are baked right into the software

Countries available: Worldwide.

Pros

  • Integrates recurring bills and subscriptions into your budget
  • User-friendly interface
  • Lets you set spending limits

Cons

  • Doesn't offer projections for future budget planning

Pricing Plans

Empower costs a monthly subscription fee of $8 after a 14-day free trial period.

8. PocketSmith

Best free budgeting solution without any deal-breaking compromises.

PocketSmith sets itself apart from the other countless budgeting apps by compiling all your spendings data in the form of a calendar. This can be intuitive for people with an event-based budgeting mindset.

Platforms available: Web.

Key Features

  • The free version offers 12 budgets and connects to 2 different bank accounts
  • The premium subscription gives you unlimited budgets and access to up to 10 accounts

Countries available: Worldwide with multi-currency support.

Pros

  • You can add on-time expenses without messing up your whole default budget
  • Offers a decent free version that delivers on all the basics

Cons

  • Comes with a steep learning curve

Pricing Plans

PocketSmith base features are free, while automatic transaction importing requires a subscription that goes for $9.95 per month.

9. Charlie

A simplest personal finance solution.

Charlie is a simple yet powerful free text messaging-based tool that works through Facebook Messenger. The bot can answer your questions, send you recommendations on how to better manage your budget, and gives you alerts when crossing your spending limits.

Platforms available: Facebook Messenger.

Key Features

  • Offers non-intrusive updates on your budget through Facebook Messenger
  • Segments your debt-paying journey into milestones, with celebration and motivation as you get closer to your goals

Countries available: Worldwide.

Pros

  • Fun user experience
  • Adds up your weekly savings by categories
  • Offers projections to help you set an accurate financial plan

Cons

  • A bit limited and lacking the more advanced budgeting tools

Pricing Plans

Charlie is completely free.

10. Mint

Best free budgeting solution.

Mint is a feature-packed personal finance assistant that offers account synchronization free of charge. It also offers tools to calculate your credit score, alerts for your due bills, and a secure enclave for all your data.

Platforms available: iOS and Android.

Key Features

  • Offers free unlimited credit score checks with tips on how to improve it
  • Different bank accounts sync isn't held behind a paywall
  • Secure sign-in options to protect your data

Countries available: The US and Canada.

Pros

  • Free, feature-packed budgeting app
  • The investment tracking features are a welcome addition

Cons

  • Would benefit from an overhaul to the spendings categorization

Pricing Plans

Mint is powered by ads, which enables it to remain free of charge budgeting tool.

11. Trim

Best for managing plenty of subscriptions and recurring expenses.

Trim works by analyzing your past transactions to determine where your recurring expenses come from, including your long-forgotten subscriptions and other hidden fees. Then you get the option to cancel such services you don't use right from within Trim.

Platforms available: iOS.

Key Features

  • An easy tool to "trim" down your monthly bills on unneeded subscriptions
  • Negotiates bills on your behalf

Countries available: The US.

Pros

  • TrimPay ensures your credit cards are paid off to avoid late fees
  • The Debt Calculator lets you put together a plan to pay your debts
  • User-friendly app interface

Cons

  • You can't set saving goals

Pricing Plans

You can upgrade from the free to the premium version for $10 per month.

12. Mvelopes

Best for beginners who want access to intuitive educational materials on how to manage their budgets.

The name tells it all, as Mvelopes aims at freeing you from the old-school envelope finance, and take your spendings and categorizes them in the cloud. The app also syncs data across different accounts in no time.

Platforms available: Web, iOS, and Android.

Key Features

  • Offers educational forums and one-to-one coaching sessions.
  • Powerful tools that let you pinpoint your budget leaks and save up to 10% of your monthly expenses

Countries available: The US.

Pros

  • Allows you to set goals for your spendings and savings
  • Calculates your net worth over time

Cons

  • The initial learning curve requires time and patience
  • Would benefit from a design overhaul

Pricing Plans

Offers a 30-day free trial, followed by a $6/month subscription fee.

13. Goodbudget

Best envelope budgeting solution.

We've got yet another app that uses the envelope principle, and this time around, Goodbudget gives you access to 20 separate envelopes to get your expenses more organized. That's not all; the free version entitles you to connect 2 devices, making it the perfect solution for couples.

Platforms available: iOS and Android.

Key Features

  • The free version gives you access across 2 devices
  • You can set individual limits for each spending category
  • Robust tools to pay off debts

Countries available: The US and Canada.

Pros

  • You can transfer money across different envelopes
  • Offers comprehensive, detailed reports
  • Continuously updated forums allow you to learn more about the best personal finance practices

Cons

  • You can't link your bank accounts in the free version

Pricing Plans

If you want to get more envelopes, you need to subscribe to the premium plan for $50 per year.

14. Clarity Money

Great bill negotiation tool.

You need to adjust your expectations for this one, as Clarity Money isn't the best budgeting option on our list. Many aspects of the app aren't customizable, which can be limiting. However, it's great for transferring money between your accounts and negotiating bills on your behalf.

Platforms available: iOS and Android.

Key Features

  • Offers automated expense tracking
  • AI-powered budget planning
  • Brings your spendings, investments, and savings all in one place.

Countries available: The US.

Pros

  • Multi-level safeguards to protect your data
  • Offers bill negotiation tools to help you save money

Cons

  • Non-customizable spendings' categories

Pricing Plans

The app is free to use.

15. Albert

Best for taxable accounts.

In addition to the budgeting and tracking features you'll come to expect, Albert offers commission-free investment advice services. You can get advice from experts if you opt for the Albert Genius plan.

Platforms available: Web, iOS, Android, Windows, and macOS.

Key Features

  • Offers automatic saving tools to trim down your bills
  • Bill negotiation services are baked right into the app
  • The Genius services give you one-to-one advice form finance experts

Countries available: The US.

Pros

  • Picks on your recurring bills and helps you trim your expenses
  • Offers commission-free stock investment tools
  • The bleeding edge algorithms allocate money to your savings accounts

Cons

  • No tools for managing your credit card debts

Pricing Plans

Offers a free version, together with a $4 per month subscription.

16. Simplifi by Quicken

Most accurate cash tracking tool.

Simplifi by Quicken is impressive in how fast and effective its tracking tools are. You get real-time updates of your transactions, with information on how much you have available to spend, which makes it one of the best options for cash flow management.

Platforms available: iOS, Android, Windows, and macOS.

Key Features

  • Allows you to sync all your bank accounts for a comprehensive look at your finances
  • Limits spending per category
  • Offers an educational blog

Countries available: The US and Canada.

Pros

  • Offers 256-bit encryption to secure your personal information
  • The watch list tab is useful to help you develop healthy spending habits
  • Tracks recurring expenses, including subscriptions

Cons

  • The app could benefit from some bug fixes

Pricing Plans

Offers a 30-day free trial that can be followed by a $35.99 annual subscription.

17. PocketGuard

Best for cash flow.

Do you always have difficulties in setting up budgets and sticking to them? Those days should only be in the past, as PocketGuard's smart algorithms can analyze your income and expenses to give you a daily spending limit.

Platforms available: iOS and Android.

Key Features

  • Smart reminders ensure you never forget your due bills
  • Offers cash tracking tools, including ATM deposits and withdrawal
  • Doesn't present with a steep learning curve

Countries available: The US and Canada.

Pros

  • Supports Touch ID and Face ID on iOS devices for secure login
  • Offers an educational blog
  • 256-bit encryption

Cons

  • Would benefit from some bug fixes

Pricing Plans

If you want to make even more out of PocketGuard, consider switching from the free to the paid version for $34.99 per year.

18. Zeta

Best for couples.

If you're looking for a budgeting solution that lets you track your spendings and manage your bills with your partner, Zetahas you covered. The app is built from the ground up for couples

Platforms available: iOS and Android.

Key Features

  • Offers convenient contactless payment options
  • Comes with an optional joint bank account that is free of charge
  • Features a fun online forum that covers topics related to love and finance

Countries available: The US and Canada.

Pros

  • Intuitive tools to set goals and track spendings
  • Doesn't require a certain account minimal limit
  • No monthly fees required
  • Perfect for all types of couples, whether living together, married, engaged, or parents

Cons

  • Distracting in-app ads

Pricing Plans

The app is powered by ads, which makes it free.

19. Toshl Finance

Best visual representation for cash flow.

Toshl Finance takes bold steps in its visual design, representing your spending categories by channels that can be easily compared to one another to let you know where the bulk of your money goes at a glance.

Platforms available: web, iOS, and Android.

Key Features

  • You only need 4 taps to input any transaction into the app
  • Lets you import your data in a variety of file formats
  • All your spendings are tied to a location for easy tracking

Countries available: Connects to banks in the US, Canada, in addition to some in France, Spain, and the UK.

Pros

  • Supports 160 different currencies, making it travel-friendly
  • Offers support to the niche mobile OS like Blackberry, Windows phone, and Nokia Symbian

Cons

  • Transactions have to be entered manually

Pricing Plans

Comes with a 30-day free trial, while the subscriptions start at $4.99 per month.

20. Wally

Best for people looking for an easy to learn budgeting app.

Wally adopts the concept of "if it ain't broke, don't fix it," as the core app tools are just a modern update for the same manual budgeting tools our grandparents used back in the day. Wally also makes updating your transactions as simple as taking photos of your receipts.

Platforms available: iOS.

Key Features

  • User-friendly interface
  • Organizes your spendings by categories for easy tracking
  • Offers options for managing joint accounts to keep your household up to date

Countries available: Wide global network across 70 countries, including the US, Canada, Australia, Europe, India, and the Middle East.

Pros

  • Offers end to end encryption to protect your personal data
  • Customizable subscription packages
  • Provides instant insights on your spendings

Cons

  • The base subscription model expects you to spend extra to add on other features you care about like bank account synchronization

Pricing Plans

Wally offers a limited base version that is free of charge. However, once you begin to customize your package and add the features you need, the subscription can hover around $60 per year.

21. Centsibly

Best tagging system for your transactions.

By now, you already know what to expect from your budgeting apps. Centsibly follows the same formula while adding an intuitive tagging system that uses machine learning to accurately categorize your transactions.

Platforms available: iOS and Android.

Key Features

  • Breaks expenses to fixed and variable to help you decide where to save
  • Informative charts and graphs to keep you updated
  • Enables you to set data-driven goals

Countries available: The US.

Pros

  • Top-notch security tools for safe login
  • Advertisers don't have access to any of your data
  • The tagging system ensures every single transaction lands in the right category

Cons

  • The ads can be distracting to some people

Pricing Plans

The app is powered by ads to deliver a free of charge personal finance solution

22. Simple

Best checking account with a built-in budgeting app.

If you're looking to open a new checking account, Simple is a great option to be considered. The bank account comes with its own budgeting tools from the get-go, offering seamless integration.

Platforms available: iOS and Android.

Key Features

  • The simple account is easy to link to external accounts
  • Offers tracking for debit and credit cards transactions, in addition to ATM withdrawals and deposits
  • Works seamlessly with third-party services like Square and PayPal

Countries available: The US.

Pros

  • Allows you to block your card if it gets stolen
  • No minimum initial deposit required
  • Great customer support

Cons

  • ATM fees for out-of-network ATMs

Pricing Plans

The banking services come with no fees.

23. Wismo

Best social features to motivate you and your family to save more.

Wismo offers tons of versatility that many budgeting apps lack, as it offers the option to make the most of its services even without logging through your bank account. It also offers a Personal Spending Index (PSI) to help you monitor your spending trends.

Platforms available: iOS and Android.

Key Features

  • The visual cues make it easy to get all the information you need at a glance
  • The social features are a game-changer as it motivates you to beat your friends saving goals

Countries available: The US.

Pros

  • Offers customizable spending categories
  • Detailed tracking tools
  • The PSI score is a great one value to keep you updated on your performance

Cons

  • The monthly subscription is on the pricey side, so go for an annual plan to bring it to $4.99 per month

Pricing Plans

Offers a free base version and an optional $9.99 per month subscription

24. Tiller Money

Best reporting system thanks to the app's spreadsheet-friendly documents.

If you're looking for a budgeting solution that offers more control over your data segmentation, look no more, as Tiller Money is the way to go. The app automatically exports your data in real-time in the form of a Google spreadsheet, making it easier to keep track of your spendings.

Platforms available: Web.

Key Features

  • Offers daily updated spreadsheets
  • Provides the option to create your own custom sheets
  • Lets you set your own category rules for more accurate segmentation of your transactions

Countries available: The US.

Pros

  • Lets you set a budget and easily track your goals
  • Offers automated bank feeds
  • Allows you to seamlessly track your net worth

Cons

  • No investment tools for proactive planning

Pricing Plans

Tiller Money offers a 30-day free trial, in addition to an annual subscription plan for $79.

25. Lunch Money

Best for managing household budgets.

You'll be sharing critical data with your budgeting app of choice; that's why you have to think twice before picking one option over another. Lunch Money pledges that all your data will be out of the clutches of advertisers, in addition to not storing your credentials and bank logins even in their own database.

Platforms available: Web, Windows, macOS.

Key Features

  • You can set separate goals for each spending category
  • Allows you to keep multiple budgets simultaneously
  • Supports multiple currencies

Countries available: The US and Canada.

Pros

  • Offers two-factor authentication for added security
  • Your bank information isn't stored in Lunch Money's database

Cons

  • No notifications or alerts when approaching or crossing your spending limit

Pricing Plans

Lunch money offers a 14-day free trial period, while the paid subscriptions go for $8 per month or $80 per year if you pay upfront.

25. Actual Budget

Best for people with tight schedules and looking for a fast budgeting option.

At its core, Actual Budget is built to make it as fast as possible to walk through your finances. Such seamlessness encourages you to input all your transactions and get more accurate insights.

Platforms available: Web, iOS, Android, Windows, and macOS.

Key Features

  • Offers updated net worth and cash flow reports
  • The minimalist interface design ensures going through your transactions is a breeze

Countries available: The US.

Pros

  • Puts you in control of your financial decisions
  • Syncs data in the background to keep you in the loop no matter which device you're using

Cons

  • The app suffers from some technical issues

Pricing Plans

Actual Budget offers a 30-day free trial that can be followed by a $4 per month subscription.

27. Acorns

Best for people who want to conquer the market investment game.

Getting started with investing your money in market shares can be a bit intimidating. So, here comes Acorns with its smart algorithms that make small investments on your behalf in low-risk, exchange-traded funds.

Platforms available: Web, iOS, Android, macOS, and Apple Watch.

Key Features

  • Get access to smart portfolios put together by market experts
  • Offers a secure enclave with two-factor authentication and 256-bit encryption

Countries available: The US and Australia.

Pros

  • Offers an all-in-one plan for investment, retirement, and checking
  • Low-risk investments

Cons

  • The account fees see a hike as your investments grow

Pricing Plans

The Lite, Personal, and Family subscriptions go for only $1, $3, 0r $5 per month, respectively.

28. Revolut

Best for small business owners with overseas partners.

Revolut borrows a page from Simple's playbook, as it's also an app-based bank account. The Europe-based banking service has recently broken into the US market, expanding its global reach and interconnected banking networks.

Platforms available: web, iOS, and Android.

Key Features

  • Supports 15 different currencies with real-time exchange rates
  • Works seamlessly with cryptocurrencies
  • Transfers money abroad in a matter of seconds

Countries available: The UK, Europe, and the US.

Pros

  • The premium account comes with some perks like travel insurance
  • Provides the option for disposable virtual cards for added security

Cons

  • Customer support could be better

Pricing Plans

Revolut offers a free account option delivering on all the basic features, with a premium $6.99/month account.

Budgeting App FAQs

What is the best budgeting app for beginners?

YNAB and Mvelopes offer engaging educational materials, including video courses and workshops, making them perfect for beginners.

What is the best free budgeting app?

Mint offers free synchronization to your bank accounts, which is a feature usually held behind paywalls. That's why it's our pick for the best free budgeting app.

Are budgeting apps safe?

Yes! Many offer end-to-end encryption and don't store your sensitive data in their database.

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