Struggling With Your Budget? Here’s 3 Personal Finance Apps To Help You Out

Estimated reading time: 2 minutes

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Have you ever looked at your bank account at the end of the month and wondered “Where has all my money gone?” Who hasn’t? Sure, the transactions on your statement give you a hint of where your hard-earned cash has disappeared to, but it would be nice to have a way to be warned before you end up broke. Budgets are great and all but unless you have some system to keep track of your spending, your financials are going to suffer.

Today I’d like to share with you 3 personal finance apps to help you keep your spending in check. Install one of these on your smartphone operating system of choice and, as long as you can make the effort to keep these apps updated, you will have an incredibly easier time keeping on budget.

Ready to give your personal finances a kick in the butt? Great! Here we go.

(Sidenote: All 3 apps are available on both iOS and Android. No smartphone wars will be happening today… sorry!)

The Top 3 Best Personal Finance Apps

#3. Mvelopes – Free/$95 a year


Mvelopes emulates the well-known budgeting technique of keeping envelopes containing the exact amount of budgeted cash for the month for a specific category. First, you create a budget based on spending and saving goals, allocating an amount of money to each category (bills, savings, etc). Then, you link up to four online banking accounts to your profile. Mvelopes will then capture and track any online transactions automatically (or you can enter them manually) and ask you to assign each transaction to one of your digital “envelopes”. Keep on top of your spending and savings by checking your envelopes regularly.

The paid version removes the bank account and envelope limits and adds a bunch of premium features such as debt-rolldown and live support.

#2. HomeBudget with Sync – $4.99


Home Budget with Sync is a revolutionary budgeting application that allows users to sync their financials and share the same budget. The feature is called Family Sharing and allows you to track your income, expenses, bills and budgets and then share that information with family members (or whomever you’d like to share it with, I guess). This is a great feature as it avoids having to manually update all family members’ budgeting apps and works best if everybody in your household is keeping to the same budget.

It also features a great forecasting screen that takes into account your income and any recurring bills and expenses to project your future financials.

#1. Level Money – Free

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Level Money takes the cake both for being an exceptional finance management app and for having the cleanest, easiest to use interface. If you’re not the category-budgeting type of person, then this one might just be the perfect personal finance app for you. After linking your bank accounts, Level Money starts tracking your expenses and income automatically. What separates it from the rest, is that with this app you do not pre-create budgets and categories. Instead, Level Money tracks your bills (even before paying them), asks you how much you’d like to save every month, and then lets you know how much money you can spend this month, this week and this day in a neat, clean infographic. You’ll never overspend again.

Do you agree, or disagree, with my top 3 personal finance apps list? Let me know in the comments section below!

Amante Reale

I'm a freelance writer specializing in tech, gadgets, security, cryptography and cryptocurrency. Warning: I am armed with very strong opinions and I'm not afraid to use them. Hire me!