The Best Budget Apps for 2020
You Need a Budget
You Need a Budget is more than just a statement about why you are reading this guide of the best budget apps for 2020. You Need a Budget is a budget system that helps you create a budget that you can follow.
YNAB, or You Need a Budget, focuses on four rules to help you get your life in order with simple changes. Give every dollar a job, plan for infrequent expenses, roll with the punches if you overspend and learn how to live on last month's income.
With these four rules you can skip the pain of a budget and focus on building a better financial life using a budgeting app that works for you.
In addition to helping you budget there are classes that you can watch online to help get started, free with the service.
You can try YNAB free for 34 days and after that, it is $11.99 a month to use the service that works on your computer, iPhone and Android. There is also an annual plan for $84 a year.
08/06/2015 at 8:56 am
Mint bills is probably the best budgeting app but there a couple really good ones all of which are free https://goo.gl/M9Uabd
03/09/2016 at 8:31 am
It’s only the most popular. There are tons of better apps unknown to people. Now I’m using premium version of Money Manager Master an I’m very satisfied.
09/12/2016 at 6:19 am
Agreed. I don’t care for mint too much myself. It doesn’t update me with every charge, every so often it will. I don’t think it’s as user friendly as some of the others.
11/07/2016 at 10:18 am
It seems to be the same apps over and over. I use Green – Budget Forecasting. I really like seeing what may happen to my balance in the future.
03/05/2017 at 4:48 am
Really love the applications, Level Money is one of my favorite app in android. Well here are more to WORTH Checking : [TOP 10 BEST ANDROID APPS FOR 100% FREE]
11/10/2016 at 1:13 am
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03/10/2017 at 1:14 am
I’m quite pleased with the inamooftirn in this one. TY!
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05/16/2017 at 3:15 am
You’re so awesome! I don’t believe I’ve read a single thing like this before. So good to discover someone with genuine thoughts on this subject. Really.. thanks for starting this up. This website is something that is needed on the internet, someone with a little originality!
09/05/2017 at 9:47 pm
We as Christians must remember that the War has already been won. These (election) battles that we face train us to depend on God alone. Our sense of security must not rest in our possessions or things going our way. We need to be willing to let go of anything He chooses to take away. And in that, remember to trust Him! He knows what we need and has promised to take care of us in any situation!
01/11/2017 at 7:16 am
07/28/2017 at 11:20 am
These apps are rubbish
06/20/2019 at 12:52 pm
I don’t like any of these apps and I would never connect my bank account to an app . They are not simple and they are intrusive .BIG FAIL!
08/30/2015 at 1:51 am
We are currently developing a new budget app for android , which would allow users to parse the receipts automatically from the photo and extract all kind of information you will need like: total amount, date, name of the shop, list of purchases and their categories.
If you like the idea, you can help us by signing up the beta access here: https://appkeep.me
09/29/2015 at 12:41 am
Would classify myself as a finance nut here, was looking around for finance apps and tried all the Android ones recommended, but most of them seem to be more of bells and whistles and Material Design/Flat Design but lacks advanced functionality.
Ultimately I went for Expense IQ (https://goo.gl/RKUKMG), which has the complete set of features I need, even useful stuff like a Bill Reminder, Budget Planner within the app. It is so powerful that my friend uses it for his small business.
I reached out to the developers, who told me that they are working on a major UI refresh, which takes time as the app has too much functions and they don’t want to break the app for current users. Very responsible and friendly people!
Definitely recommend to check out, as the free version (https://goo.gl/RKUKMG) is probably enough for most people’s personal finance needs. I bought the Pro version, as it is a one-time purchase, and one of the rare few finance apps that don’t charge subscription fees! Way to go! Just give it a try and you may like it too, if you are as serious about managing finances as me.
04/29/2016 at 8:15 am
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08/14/2016 at 8:42 pm
Thank you for recommendation. I tried it out and it is good enough for me. It has the Currency for my country. I subscribed for Lifetime..thank you agaian
11/23/2016 at 1:08 am
you need to work on the recommendation tag team act. Less overt, maybe go all pervert?
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06/27/2017 at 3:07 am
I love reading these articles because they’re short but informative.
02/20/2017 at 7:19 pm
There’s some kind of weird negativity in the comments.
Thanks for the recommendation Nathan! I tried out Expense IQ, it’s really good and offers way more than most other recommendations in the comments. The other apps look amateurish and are just not “smart” in comparison. Expense IQ feels like it’s designed by people who really care about personal finance, and knows what people need to save effectively.
I love the reports (that actually make sense), flexibility, powerful search function and bills reminder, and there’s still so much in the app to discover.
It’s my personal favorite after trying out the recommendations in this comment thread. If you are looking for an app to use long-term, no other app even comes close to Expense IQ (at least for me).
11/02/2015 at 6:58 pm
slide shows are the worst way to display this information. I refuse to use them. It would be nice if people like you cared more about your readers than forcing them to click more to pad your stats.
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04/29/2016 at 8:11 am
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01/06/2016 at 5:32 pm
We created MyMoneyPicture as a simple application that helps you track your expenses, monitor account balances, and compare actual spending to your budget.
MyMoneyPicture is free, and does not need access to your accounts. Spending is entered manually to increase awareness. It only takes a few minutes a day. The site is optimized for mobile to make entering spending on the go super quick and easy.
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04/29/2016 at 8:12 am
is it actually free or mislabeled adware?
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01/08/2016 at 10:16 am
Cool apps. Not the best list though. Can’t believe they didn’t add Brian In Hand.
01/28/2016 at 1:55 am
Great recommendations. Though I am pretty satisfied with the current app, CashBase, and they announced new updates soon, maybe I will give these a try.
02/12/2016 at 12:50 pm
Please check out Foreceipt app https://goo.gl/zW332G. It manages your receipts, expenses and monthly budget from your Google Drive.
02/14/2016 at 12:37 pm
Thank you for such a helpful post, i was looking for an app for making a solid budget for my family and business. This post helped me a lot! God bless you!
02/18/2016 at 7:37 am
There is this app called “Buks”. It categorises automatically your expenses and you can use pictures to track. It also learns your budget behaviour. Very simple and is currently my daily drive to money saving.
02/23/2016 at 5:59 pm
Just tried looking for the download… where is it??
03/06/2016 at 7:15 pm
Unfortunately, Mint is not available in Singapore app store.
03/09/2016 at 8:23 am
Try Money Manager Master, has also more professional functions than Mint
03/07/2016 at 12:32 am
Great Article!! This is really useful apps list. I have some of these apps such as Link Bubble Browser, Photos, Unclouded and Evernote. I love them a lot as they are useful for me.Thank you for sharing such a good article.
03/09/2016 at 8:13 am
This is the best financial app. Way more features than allApps of the article
03/09/2016 at 8:15 am
Money Manager Master is the best financial app. Way more features than all Apps of the article.
Sorry for the double comment. Edit button is missing :/
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04/24/2017 at 11:29 am
Now I feel stupid. That’s cleared it up for me
05/30/2018 at 2:51 am
Right on. I watched (on Free Speech TV) Al Jazeera’s live coverage of the revolt in Egypt that overthrew Mubarak, and it was brilliant, nothing the U.S. networks could even approach. It would be a wonderful thing to have Americans exposed to Al Jazeera’s brilliant journalism, not that Americans would actually watch.
03/14/2016 at 4:52 am
PocketGuard is a Step up from Mint. Mint needs balance Apple Watch app. I also like the way you can mark bill in PocketGuard. If you haven’t given it a chance and you like Mint you will LOVE POCKETGUARD!!!!!
03/25/2016 at 10:07 am
I don’t like that with mint, i can’t see total income & total expenses for each month. Thats so dang basic.
It would be great to see how mich comes in, how much is spent on the necessities, & how much is spent on combined extras like entertainment, then how much is left over…for example how much can be sent to savings after seeing how much “extra” you have each month.
Jim Lysate (@jairrab)
04/03/2016 at 6:17 pm
If you haven’t you need to check out Bluecoins in the play store, its quite new but what a great finance personal app https://play.google.com/store/apps/details?id=com.rammigsoftware.bluecoins
04/12/2016 at 6:20 pm
Unfortunately these apps are unavailable in indonesian store. :(
04/25/2016 at 11:42 am
Please check Foreceipt app on your app store. It should be available there
04/17/2016 at 4:31 am
I’d love to see Everwealth listed on this list. Your readers would definitely love it: https://www.everwealth.io/
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04/29/2016 at 8:08 am
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06/03/2016 at 1:41 am
Founder of Everwealth here. I am just trying to clear the air on this comment above that has asked people to “avoid Everwealth”.. because we are apparently scammers..?
If you have ever worked in a startup before then you would understand how much blood sweat and tears goes into them. To have someone come along with no factual information and suggest that our product is a scam is very deflating.
To that note, our product is certainly not a scam! We are a legitimate company running our business from Brisbane, Australia. If you have any concerns about our legitimacy or security then please contact us directly – we are more than happy to chat.
04/18/2016 at 3:52 am
Awesome,Really good Thank you for sharing
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04/29/2016 at 8:06 am
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04/30/2016 at 3:44 am
Just wanted to point out that after getting tired of excel I tried most of these tools but non worked with all my financial sites. I downloaded Geltbox Money for free (https://geltbox.com) and use every week as it connects to my two banks and different loans and investments sites.
05/23/2016 at 2:25 am
I’m looking for an app, where I can track expense, set budget, and manage debt
05/29/2016 at 9:44 am
Nice set of Budget apps!
Here is also a good comparison of 5 best expense management apps:
05/30/2016 at 1:41 am
Loving these budget apps! Worked with 212 tax recently to set mine up, honestly was flying blind but they were really helpful. Got a savings/investment strategy too, so worth it!
08/16/2016 at 6:30 pm
Alicia, is this a free service.I just had my CPA come out to the house today to help with my business account. I asked her about an app to help with my personal stuff. She has suggested mint? Looking for something free to navigate myself. Thanks in advance.
06/12/2016 at 2:30 pm
It’s only the most popular. There are tons of better apps unknown to people. Now I’m using premium version of Money Manager Master an I’m very satisfied. one of the famous social app. it’s call snapchat. here it is :: https://mydigitalland.com/increase-snapchat-score-check-story-app/
06/13/2016 at 3:38 am
Great Article!! This is really useful information about best budget apps for iPhone and android. I am using some apps such as GoodBudget and budget apps. Loving these budget apps! Worked with 212 tax recently to set mine up, honestly was flying blind but they were really helpful. Got a savings/investment strategy too, so worth it! I love them a lot as they are useful for me. Thank you for sharing such a good article. https://julyrapid.com/
06/13/2016 at 6:15 am
Great recommendations! But there are a lot apps unknown to people. Now I’m using premium version of CashBase https://www.cashbasehq.com/ which is a very simple finance app. Anything that I need!
06/21/2016 at 12:42 pm
07/12/2016 at 9:57 am
The Mint Sucks!!!
07/13/2016 at 2:06 am
I would like to point my android app DinDini to manage all your money. It is available in English speaking countries.
07/28/2016 at 2:59 am
08/02/2016 at 5:59 am
Hi, I am the indie developer of Money Target. The app was designed to be easy to use, colorful and as fun as a finance app can be.
You can find it here
08/03/2016 at 9:45 am
I’d love to see Mobills Personal Finance in this list.
Mobills helped me to budget my money in a really good way.
Here is the link that you can use to add to this list
08/30/2016 at 1:04 am
I’ve tried a lot of applications, but none doing exactly what I needed:-( I need just a few simple things:
1) categories editing (ok, it is no problem)
2) import and export (many apps knows it, but not every)
3) need to see imediately, how much i spend in a given month – and this is a problem:(( Aps have reports, filters, but its unnecessarily complicated. I want to see my spendings, when i run the app. Android apk Financiator is perfect for me, but now i have iOS, and there is no alternative
03/08/2017 at 8:45 am
I lIke both as well ! I love taking black and white when its a old building or old farm eqpunmeit , for me it depends on the subject and how I see and feel about it ! Have a great day !
08/29/2017 at 8:05 pm
Great story! It also seems you needed to know a fair amount of French to know where the translation was going astray. I’ve never heard of a translator sharing model, but that’s a cool idea. I’d love to have my book translated into Korean, but that’s a whole different proposition since there is no Amazon Korea.Good luck with your novella’s success!
09/12/2016 at 10:07 am
Has anyone tried Spendless?
This android app is the most well-designed and user friendly finance app i have ever tried. And it has collaborative money management feature. With this feature, users can create a bookkeeping, share it with other useres and start managing money together collectively. Extremely useful for couples and family.
10/01/2016 at 12:13 pm
I’ve tried a lot of the different finance apps that sync in to your bank accounts, like Mint, but I like to use Budget Monthly for the simple control it gives. I like to be able to track my expense and running totals manually and create custom running balances that aren’t necessarily tied to my overall bank account. https://apple.co/2dtL9Nf
10/11/2016 at 12:08 pm
i founds totally AD-FREE app with cloud sync EXPENSE MANAGER APP.
uSpend – Spending Tracker,Free Expense manager app for iPhone & IPad
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11/08/2016 at 1:44 am
I’ve got Mint installed on my iphone, and it has helped me manage my finances massively. Would highly recommend.
11/11/2016 at 7:22 am
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12/17/2016 at 8:10 pm
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12/26/2016 at 1:16 am
I’m trying to decide between MoneyWiz and Cubux (cubux.net). What are the main differences, and is there a reason MoneyWiz didn’t make your list this year?
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06/25/2017 at 6:05 pm
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06/27/2017 at 2:12 am
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12/29/2016 at 1:51 pm
I use Squeeze. It’s a free application that helps you manage and or compare your daily/monthly expenses. This application truly is your ultimate “life hack” for budgeting your finances. Check it out at SqueezeApp.com
01/03/2017 at 12:51 pm
A cool new app that should be talked about is Squeeze. This is an app that will make many people shop more savvy in 2017. The app compares competitor pricing for internet, TV, phone, and much more! This app is great and will be the new way people shop for deals. Check out the app at Squeezeapp.com.
01/03/2017 at 5:52 pm
EveryDollar is pretty sweet
01/03/2017 at 9:46 pm
I use Geltbox Money.
Geltbox is a personal financial aggregator designed for homes and small businesses. Geltbox gives you a clear overview of your expenses, investments, loans and assets. It aims to help you plan your monthly savings and your investments. The ultimate goal is to help you reach financial security.
What makes Geltbox Money special and unique?
Geltbox Money lets you sync to any financial website in the world.
No need to use online financial aggregators, which are limited to certain financial institutions.
Record your own downloaders and have them run automatically in your device.
Can work in most countries in the world.
Data and credentials are stored and encrypted locally.
No need to give away your user names and passwords.
No need to store your personal financial information online
Complete overview of all your accounts: checking, credit cards, investments, loans and assets.
Flexible and colorful labeling and budgeting.
Import and export of financial data.
Easy editing and fast search of transactions.
Backup all your data.
01/09/2017 at 7:26 pm
thank you for sharing. it is very convenient and useful for me
03/08/2017 at 9:17 am
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02/10/2017 at 1:13 am
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02/12/2017 at 10:28 pm
For managing Money in day 2 day life is critical but after the launch of expense management app for android and iPhone the money management becomes much easier. We have several player in the app market such as Mint, Capterra, expense-manager, Expense on Demand, etc providing very great services in terms of money management.
Buy checking the top list of best Budget Apps for Android..its very easy to choose for individual need.
02/21/2017 at 5:22 am
No Prosper Daily? This is probably the best app I’ve tried!
03/08/2017 at 9:01 am
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02/22/2017 at 11:51 pm
02/23/2017 at 1:50 am
Very nice and comprehensive list on budgeting apps. Desi Hisab is also one among them. It keeps track of your expenses and makes the process of budgeting easier.
02/27/2017 at 3:52 am
I love the post! Definitively helpful!
Someone ever used Money Lover before? what do you think about it?
03/14/2017 at 2:13 pm
I’m looking for a budgeting app that will allow me to work from my salary month (15th-15th) rather than just the normal month (Jan,feb,march). But I don’t really want to connect it to my bank account. Any suggestions?
03/16/2017 at 6:55 pm
would be nice to see the product as with the other examples
03/27/2017 at 8:13 am
A very nice list! Personal Finance Apps have definitely changed the way budgeting is done, I have tried some of them before. And there are of course many apps out there with different features and that’s absolutely great, as it gives the opportunity to choose the most appropriate one. Right now I am using the personal finance app inBudget because it makes it easy to share my money management experience with my friends and family as it has great social features. It’s a great choice if you want to manage your budgets together with someone else as it can be great motivation to stay on track. I think it’s quite a new app and has a potential to be added to the list as well.
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04/04/2017 at 8:42 pm
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04/14/2017 at 8:32 am
Spendy is my favourite: https://itunes.apple.com/us/app/spendy-all-your-expenses-spendings/id958342964?ls=1&mt=8
Been using it for a while now, sick design and straight to the point.
04/21/2017 at 5:30 am
Long Game is a better way to save money, called “Prize-Linked Savings.” Use promo code EGPOGNW for 2X starter plays. https://www.longgame.co
05/09/2017 at 7:12 am
Hello: I’m conducting a survey where I’m recruiting budgeters who are heavy users of budgeting apps. Participants who are selected will be compensated $20 for 15 minutes of their time. If you are interested please fill out this form!
05/14/2017 at 4:24 pm
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05/19/2017 at 7:17 am
I have tried to find my perfect budget tracker app, but it is not an easy task. Among those that you described (nice review, by the way, thanks), I tried only several. Mint was the best one, I guess. Although I do not like all that “connect-to-a-bank” staff. I do not want some 3rd parties to know my income, etc. I am a little bit paranoid to it :) I just wanted to have a possibility to track my expenses and see the statistics.
Additionally, I tried Money Lover (not in your list, btw). It was too overloaded with the functionality and Ads, so I quit it.
So, we developed an alternative. It is called “MonKey” (https://play.google.com/store/apps/details?id=com.avabrosolutions.monkey). For me, its main benefits are:
– Easy to use
– Not overloaded with the unnecessary features
– Ready-to-go – install and start to use (without loads of boring configurations)
– Works offline (except for some non-vital functions)
– No ads all over the interface
– Anonymous – nothing is stored on the external servers
– Different input methods (manual, fast, voice, scanning)
– SMS banking – parsing of the push- and sms-messages from the banks, without needing to bind the actual bank account to the app. Currently, the list of supported banks is limited, but it can be extended by request.
– Possibility to create your saving goals for the categories and monitor the progress
It is distributed free of charge, with the possibility to purchase the extended features inside of the app.
It is not a commercial comprehensive solution, but it’s nice and easy
06/06/2017 at 1:33 pm
If you want something super simple, I’ve developed an Android app that will keep track of your budget on a daily basis, letting you adjust your spending reactively and save up for any big expenses on a micro level.
It’s completely free and you can check it out here: https://play.google.com/store/apps/details?id=sambowler.simpledailybudget
06/09/2017 at 2:42 am
Nice selection. I’ve tried many of these, however, I’ve been using http://www.moneystrands.com as its been the easiest app I’ve personally come across for budgeting and helping me manage/control my finances better.
06/09/2017 at 7:12 am
Great list I have used some of these in the past. Also peep http://www.moneystrands.com. I’ve been using it now for some time. Very user-friendly and allows me to budget as well as create savings goals for the future. Me and my wife are saving to go to Hawaii. All good.
06/29/2017 at 5:45 am
Excellent list I recommend Monefy – Money Manager
07/18/2017 at 2:08 pm
I built something similar to goodbudget with a few extra features. And its Free! Check it out.
08/21/2017 at 7:31 am
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09/11/2017 at 10:10 am
Money Lover is the app I use for track my spending, plan budgets. It’s simple with beautiful design. Budget is not small function but show up the recommendation for you. Very useful
11/06/2017 at 12:50 am
I use this app
12/06/2017 at 8:59 am
I use the iSmart.Life app to conduct my tasks. This is a very simple and convenient application. It also has budget management.
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09/05/2018 at 6:32 am
for me the best is Cubux.net
10/08/2018 at 11:27 pm
I was also looking for this kind of app and found a very simple and easy app for this purpose. It will help you to manage your budget. Just check it.
12/04/2018 at 10:03 pm
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06/05/2019 at 7:48 am
For me mint takes the top spot. Very user friendly and easy to manage your tasks. The interface is very intuitive.