Finance-Tracking Apps

Keeping track of your finances can sometimes feel more difficult than necessary. You may struggle to remember where you spent your money, losing receipts or missing payment and bill deadlines.

This can become even more complicated when you have multiple bank accounts, credit cards and loans. If you are familiar with any of these issues, however, you may be able to find the perfect finance-tracking app to solve your problems. Finance apps can be used to store information on your spending, dividing it into budget categories and monitoring your money habits. Many will link directly to all of your cards and bank accounts, giving you an overview of your net worth in real time.

Some of the most popular and widely used finance-tracking apps are listed below. While many of these apps can be used to check in on your accounts and goals, organize your spending, and control your budget, some may be recommended for their excellence in certain functions above others.

Consolidating Your Accounts and Goals

Use the following apps to monitor your spending habits in addition to keep track of your saving and spending. Many of the following apps have free versions with the option to upgrade for more features.

  • Mint is possibly the most popular of all the available finance-tracking apps. It allows you to connect all of your bank accounts and credit cards to your app account, keeping track of your spending and savings goals. You can also follow the progress of any investments you have made and have your credit score checked for free.
  • Credit Karma keeps track of spending patterns across all of your bank accounts and credit cards. It then uses these patterns to give you recommendations regarding your credit and finance planning. You can also take advantage of the app’s free credit scores and reports.
  • Personal Capital may be intended to act as an investment managing app, but the free version is an excellent way to track your personal finances. It provides comprehensive visual representations of your current income and expenditure and also divides your spending into categories for closer analysis.
  • MoneyStrands connects with your accounts and credit cards and also separates your spending into various categories. There is a calendar function to alert you when a bill is about to come due, as well as an option to view worldwide currency exchange rates. You can also set short-term savings targets and track their progress.
  • BillGuard allows you to monitor your spending by date and location, as well as budget category, by using your linked accounts. The app itself is free, but you can also use it to monitor your credit and insure against identity theft for an added fee.
  • PocketGuard keeps track of all of your accounts, including your bank balances, investments, credit cards and debt. This enables you to maintain an accurate picture of your overall net worth and spending. At the same time, you can closely follow your savings and payment goals.

Organization and Updates

The following finance-tracking apps will take the tracking a step further by organizing content into categories, individual stores or creditors. Some of the apps below are ideal for those who are less tech savvy.


  • Clarity Money is an easy-to-use app, allowing you to track purchases according to category or by individual merchant. You can monitor your bank balance, credit score and subscriptions, as well as have the option to cancel any subscriptions you no longer want. You can also use a Clarity Money account to add to your savings.
  • Penny is an unusual app, as it does not have a dashboard, graphs and charts. Instead, the AI (artificial intelligence) personality of “Penny” will message you on the app with updates about your spending by monitoring your linked accounts. This simplified, friendly approach may be ideal for many people.
  • Dollarbird is a calendar-based app. You can input your past and current expenses, and the app will calculate patterns in your finances using the information. This includes projections for your potential financial future. You can also share calendars with other members of your household or business.
  • Wally operates by allowing you to scan your receipts on the go. The app will then take the information on the receipts and keep the information for you, divided into the appropriate categories. You have the option to track your total spending by day, week or month.
  • Manilla is designed to function as a digital financial filing system. You are able to keep track of your bills and their due dates in one place, including items like subscription service payments. Your financial statements can also be tracked using the app.
  • Quickbooks is recommended for those operating the finances of a small business. You can connect your bank account, as well as other apps, to your Quickbooks account while keeping track of your business income and expenditure. You can also use the app to create invoices and send reminders.
  • Receipts by Wave is another excellent choice for small businesses or freelancers. You can use the app to track any records or transactions you would normally keep on paper, such as bills and invoices, and transfer them to the app’s accounting software free of charge.

Controlling Your Spending

If you are having a difficult time figuring out where all of your money goes each month, the following apps can help. Some of the apps below will also help you figure out how to pay down debt.


  • You Need A Budget operates by taking your entire income into account when establishing your monthly budget. It gives every dollar of your money its own function, dividing the total between bills, monthly expenses, savings and paying off debts. It is particularly useful for those who need to pay off debt, holding its users accountable for their goals and offering support from a live instructor.
  • Level Money tracks your cash flow, including income, expenditure and savings, and lets you know how much you have available to spend. You can also divide your budget into spending categories, so you have an up-to-date allowance of spending for each of the categories on any given day.
  • Mvelopes is named for the old-fashioned approach to budgeting that involves putting cash in physical envelopes, each designated for a spending category. By using digital envelopes, you can plan your spending ahead of time rather than tracking your purchases after they have already occurred.
  • Goodbudget is another system based on the envelope design. After setting up your categories of spending, you will allocate an amount to each one, tracking the percentage left in each category as the month continues.

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