Find yourself lost when you open your bank account? Not sure where all the money is going or what bills you have coming up? Budgeting is hard, and knowing where you stand when it comes to finances is stressful. That’s why several personal finance apps help you take charge of your money. These apps not only track your income and investments but also track your expenses and see where you might be overspending throughout the month to help you cut back on purchases that will help you save in the long run. Here are the best personal finance apps to help you in 2025.
6. Fudget
Starting the list, we have Fudget, one of the best personal finance apps out there right now. This is a great tool if you want to look over your simple finances. There is a free version, which allows five budgets, up to 250 entries, and only one device. The Plus version is only $19.99 a year, which allows unlimited budgets and entries, multiple devices, the ability to share accounts with loved ones, and several extras. If you want easy tracking, this is a great beginner-friendly option.
5. NerdWallet
NerdWallet might be one of the most familiar options when it comes to best personal finance apps. It’s also free for users. The app isn’t great at creating your own budgets, and has minimal transaction details, but it’s great at keeping track of your credit score, net worth, and cash flow. It primarily arms consumers and small business with tools, information, and data to make smart financial decisions.
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4. Monarch
Monarch, which is about $15 a month, is one of the best personal finance apps as it has a thorough setup that lets you do most of the tasks that people look for in finance apps. It carries unused budget dollars over, has exceptionally flexible transaction management, is a clean, fast user experience, and also has unlimited collaborators for your family, friends, and spouses.
3. PocketGuard
PocketGuard is another personal finance app with an expensive subscription fee, at roughly $13 a month, but if you need something that tracks your spending, then you need it. The app has an excellent user interface, a creative design, and great support resources, and it is considered the superior transactional management app. This will ensure you know what’s being pulled from your bank account at all times and show you what areas you could cut back costs.
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2. YNAB
YNAB, or You Need a Budget, is next on the list of best personal finance apps. If you find yourself struggling with figuring out budgets, then this is your best bet. While it takes time and commitment to understand how to use this app, as well as a $15 monthly fee, the payoff is worth it. This app is built on effective budgeting ideas with substantial support and educational material. You can even share your account with up to six people, which is perfect for larger households.
1. Quicken
Quicken Simplifi is the best personal finance app that you can find. While it does have a subscription fee ($36 a year), it is worth it to manage overall household finances. It’s an excellent tool when it comes to transaction management with thorough reports. It has flexible yet effective budgeting tools and is an easy-to-use experience. The only downside is that your savings goals are not linked to live accounts, so you’ll need to keep checking that on your own.
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