Best Personal Finance Apps in 2022

Managing your finances is a difficult task. Tracking costs and keeping track of the bank balance can be challenging now that many of us no longer balance a checkbook. Personal Finance Apps you can link to your bank account and help you keep track of your expenditures.

Personal financial applications can also help you manage upcoming bill payments (some even allow you to pay your bills straight through the app), monitor your credit score, and keep track of your investment portfolio.

The top personal finance apps include a variety of tools for managing your entire finances (email reminders, bill due dates, subscription tracking, shared wallets, and so on).

It’s evident that keeping track of your finances is vital, but it can also be daunting at times. You’re certainly not alone if you’re worried about money. According to a 2018 Northwestern Mutual survey, money was the leading source of stress for 44% of Americans.

It’s no surprise that people are concerned about their personal money. After all, keeping track of all the money coming in, sorting through the apparently unending pile of bills, saving, establishing an emergency fund, and paying off debt is a lot to keep track of.

Downloading a personal financial app is one approach to relieve stress and gain control over your finances. These budgeting applications make it simple to do everything from keep track of your expenses to budget and save money. Other apps make it simple to receive cash when you’re in a pinch and payday isn’t quite here yet, and a couple of them can even help you keep track of your billing cycle to avoid late fees.

Why not use a smartphone app to help you manage your finances? You use apps for everything from dating to tracking your pregnancy, so why not use one to help you manage your finances?

We’ve compiled a list of the top personal finance apps to help you feel more in control of your finances, save money, and plan for the future.

All apps are available for both android and iOS devices.

Mint

Also known as the best budgeting app online.

Mint is one of the more popular personal finance apps on the market. It brings together all of your financial data in one place so that you can track how much you’re spending in different categories. It allows you to set and track financial goals, and it also offers a free credit score tracking option.

All this and more you’ll get on mint aside the unique budgeting feature.
The app also has a special section where you can view your credit score and also see your estimated net worth.

You Need A Budget

You Need a Budget app helps you become more intentional about your spending. The app also guides you through making a budget step-by-step and allows you to link your bank accounts and credit cards. You can allocate each dollar towards a certain expense category before you spend it.

Personal Capital

Tracking your wealth and spending.

Personal Capital has simplified the process of budgeting with a partner, budgeting snapshot.

Personal Capital tracks your investments, retirement, real estate assets, savings goals and spending in one place. It also gives you a look at your personal net worth and helps you keep track of when your bills are due.

PocketGuard

PocketGuard, like many other personal finance apps, allows you to keep track of your spending in many areas. The “In My Pocket” feature, which allows you to view how much spending money you have at any given time, is one feature that sets it apart. So, before you click “Buy Now” on that new pair of shoes, check the app to make sure it fits into your budget.

GoodBudget

Want envelope budgeting? GoodBudget offers a free version of the envelope budgeting. You have to be well-disciplined when using this app because it is not link to your bank account, therefore the process of taking funds out is a little difficult.

Why we recommended GoodBudget is because it’s about tracking your previous transactions and also about planning your finance.

Quicken

Is a budgeting app that has been up and running for a while, it saves all your previous transactions on your computer instead of cloud storage.

Quicken also issues a special credit card to its users, using the card, all records of your transactions both pending and completed, purchases, spending habits are all kept

Acorns

With just $3 or $5, making and keeping track of your investment is guaranteed.

Acorns give you the opportunity to invest your spare money, making the investment process simple.

Aside to saving and other basic features, Acorns will invest your money and ensure you get a reasonable return.

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EveryDollar

There’s a free and paid version, but the free version helps you set goals and keeps record of your spending. Wealth tracking has been simplified and made easy with EveryDollar.

With the free version, you won’t be able to see your estimated net worth, it’s only available on the paid version.

Mvelopes

Mvelopes, like Goodbudget, is a computerized version of the envelope system, in which you place money into envelopes for different spending categories and only spend the money that’s given for that category. However, the Mvelopes Learning Center, which offers online video tutorials on money management, makes this software stand out.

Credit Karma

Credit Karma offers credit score and report, it has a special way of helping you understand your credit and credit option.

Give credit karma a try if you want to track your credit score with ease.

Honeydue

The best choice when it comes to finance apps for couples looking forward to building their personal finance.

With Honeydue, both partners can view everything about their finances at any point. They can also sync their bank account, view their investment,
Spending, savings, Credit score etc.

Speendee

Arguably one of the best finance app, Speendee, has a feature that made it standout of the crowd. With this finance app, creating a shared account with family and friends very possible.

You can easily create a shared account for your family to track all your finances. Budgeting, tracking of expenses and income all with Speendee.

Prism

Here’s an app that keeps record of your account and all your bills’ payment, giving you a clear picture of your finances.

With over 11,000 billers, prism is a free application, so you don’t need to worry about subscription, and it also has a notification bell that sends you a helpful reminder before due date.

Robinhood

For the Crypto famz, this one is for you.
Robinhood is a crypto currency investment app created to Democratize Investing. 
Planning to roll out fractional investment program in the nearest future.

Zeta

Yet another best finance app for couples, designed specifically for couples, Zeta allows syncs of accounts or manually add data for a shared view of your finances.

The app can be used to create budget, track spending, set goals, credit score etc. Zeta can also display all of your individual and shared finance all in one page for record keeping.

Extensity

Launched in 2008, Expensify is an app that meant to scan, tracks and manage all your receipts and expenses all in one place.

Unlike other apps, Expensify is more affordable,, but it allows free 25 scans per month.

Nerdwallet

Here on Nerdwallet, you’ll get an excellent money tracking tools, personal finance tips, mobile applications, but its transactions management is less compared to others.

Nerdwallet also offers various cash back programs for eateries that you linked to your credit card. The app also has a unique way of breaking down your expenses.

Stash

Stash is a micro investing platform that caters to self-directed investors seeking full control over their stock.

Stash is a platform that made investing for the future straightforward.

Qapital

Do you find it difficult saving money? Well, Qapital is here to assist you with that, for just $3 per month.

Qapital is a mobile banking app that has both checking and saving accounts and for just $6 per month, you’ll get an investing solution at a very low cost

Venmo

Owned by Fintech giant, PayPal, Venmo  to them for $800 million is 2013.
Venmo allows its users to easily transfer and receive money from their friends, family, business partners and others.

This list would be incomplete without adding Venmo to the list. The financial benefits of Venmo are unique, and you just have to check them out yourself.

True bill Budget and Bill Tracker

A personal finance app that is dedicated to helping its users get best value formoney.
It helps its users with great deals of reducing their recurring bills and also helps in clearing debt fast.

WalletHub

Despite the limitations, WalletHub is still a good tool for learning a lot about your financial wellbeing, checking your credit score and also keeping track of your credit reports.