20 Best Budget Apps for 2018

Budgeting Apps For 2018: Most of us struggle a lot with personal finances, everyone wants to save and budget better, so there is never a better time than now to start thinking about how you manage your money. A budgeting app may be just what you need to get on track, but there are a lot of options out there. New money management and budgeting apps pop up every few weeks it seems, so it is difficult to choose the best budgeting and money app for your iPhone and Android. We have examined and made a list of best budgeting apps out there today.

You can save money for upcoming expenses by using budgeting and money apps, these apps help to track and manage your expenses. Good budgeting apps can even help you to devise a savings plan and get ahead of your expenses, as well as some budget apps can help you save or even invest your money. Each budget apps can help in different ways, some are best for paying and tracking bills, some evaluate your investment accounts, some works as an advisor, so you need to find one that fits your current needs.

Downloading the best budget apps on your iPhone and Android, you can turn your smartphone into a personal finance advisor which helps you to save money by tracking your expenses, avoiding the fines, managing your income amounts, and creating the budget for you. In this article, we have done hard work for you by making a list of best budget and money apps, please check out the list and find the one that’s right for your needs. You can connect most of these apps to a bank account to automatically see where you spend money, and when your bank account is running dry.

Best Overall: Mint


We can take Mint as the best budgeting apps. Mint budget app link up with your different accounts like bank and loan accounts within a single streamlined interface. Firstly, you have to connect your Mint app to your bank and the app will help you to create your personalized budget.

Mint app automatically categorized which card has been used debit or credit card and track them in your budget. Mint app use the same security used by the bank to secure your accounts and data. Mint app is very useful because you can know where you are spending your money and helps to know where your money goes every month.

Mint app is available for the iOS and Android users.

Best Budgeting app for Individuals: Wally


Wally budgeting app main aim is to bring your all financial information and make quick control over your finances.  Wally is the best app for the individual users. It helps to track the expenses of your road trip and other expenses done individually, so all this can be done with Wally app. You will be notified when your bill is due when you hit the saving button with the help of Wally app.

We can get the one benefit from the Wally app i.e. it will support the foreign currency also, so Wally has become the best option for those users who live outside the US.

You can get Wally app free for the iPhone and Android users (for android Wally+).

Simple app: BUDGT


BUDGT is a simple budget tracking app that easily and quickly manages your expenses. This app helps you to keep track of your expenses in a very unique way, creating new budget daily for you based on how much you have already spent during the month. Sticking to a monthly limit can be a difficult task, but BUDGT app helps to make it simple and easy.

BUDGT has three main features, a monthly budget, your daily expenses tracking and a progress report. BUDGT is best for those who overspend on little things here and there throughout the day, but if you are looking for an app that gives you a full picture of your financial standing, this is not the one for you.

BUDGT costs $1.99 for the iPhone.

Best for Type-A Personalities: You Need a Budget

You Need a Budget

We can get this app by another name YNAB also. You need a budget (YNAB) system helps you to create a budget that you can follow.

YNAB can be taken as the best app for the personal finance religion. YNAB is very easy to use because YNAB can be sync between your desktop and mobile device and help you to enter to the transactions in real time. YNAB is best for people who want radical change in their financial mindset.

YNAB is free for 34 days and then it’s cost $6.99 for a month, or if you want for a year it cost $83.99.

Best for Cash Style Budgeting: Mvelopes


As we are listing the best budget apps of 2018 among them, Mvelopes is one of the best apps for the budget which is based on the concept of creating the “envelope” for all expenses. You put cash on the envelopes for different spending purpose, but if all or some envelopes are empty then you can’t spend money on some category for the month.

We can get free for iPhone and Android users. Mvelopes has the nice feature, we can connect to unlimited financial accounts and can put the classic envelopes to record the regular spending. You can sync the mobile app with Mvelopes web app.



Spendee is one of the apps for the budgeting. This app clearly defines or show you where your money goes every day, week and month. You can use this app as free for iPhone users but some of the customers want the premium version, for that type of users you have to pay a certain amount of dollar. We can say that the Spendee is the best app for your expenses record.

Spendee is the free budgeting app recorder of your spending, optimize your expenses and helps you to save the money. It helps yo record your both expenses and income through the bank.

For a premium version of a Spendee app you have to pay the $22.99 but for the normal version, you can use free.

Best saving and budgeting app: Acorns


I think you have heard about the Acorns app which is not a budgeting app, but saving tools, help users to save money by automatically rounds up the purchases and invest the change. It takes little bits when you make purchases with your linked card or account every day and invest that money building up your portfolio.

The Acorns is also SIPC protected up to $500,000 to keep your money safe. Students with valid .edu email address get free management for up to four years from the registration date, whereas others pay $1 a month on account balance less than $5000 and 0.25% per year for accounts greater than $5000.

Acorns are free for iPhone and Android users.

Qapital budgeting app


Qapital budgeting app is very easy to use banking app that helps you to save the money and take control over your spending. Qapital budgeting has the many features like direct deposit your paycheck, send e-checks, pay bills, give interest on your both spending and saving accounts,  weekly insights and helps to set and reset your pin.

Qapital is free in the app store you can have a look at it and use it.

Wallet – Money, Budget, Finance Tracker, Bank sync


The wallet is the best app for the financial planner which helps you to plan your budget and record spending and which helps you to achieve your future goals. The wallet has the many features like automatic bank updates, Insights report, sharing selected accounts, Loyalty and Rewards card, and Imports the bank updates.

To use the wallet app you have to follow the steps, First you have to download the app and Sign in via Facebook or Google, finally get going: use budget and expense like a master.

You can use wallet app on iOS and Android for free.



LearnVest is financial planning tool rather than a budget tool that automatically tracks data across all your financial institutions. The personal finance mobile app LearnVest helps you to stay connected to your money, even when you are far from your bank or credit card statement.

LearnVest app is easy to use because it connects directly to all your accounts such as savings, checking, credit cards, and investment accounts. Although Learnvest is free to use for tracking your transactions, creating budgets, and setting financial goals, you need to pay a $299 setup charge and $19 per month to get in touch with a certified financial planner.

Best for small invest: Stash


Stash is another mobile micro-investing app on the horizon where you can invest in small investment. Stash is popular among new investors and investors who want guidance selecting investment because its goal is to help investors learn how to invest. Stash doesn’t manage investors account directly, but guide or help investors through the process of building an ETF portfolio or with verities of investment strategies.

The app includes educational tools that encourage you to develop financial habits, also recently started offering custodial accounts where parents can set up investment accounts for their children. Stash requires a $5 minimum to invest, the first month is free after that it charges $1 a month or 0.25% of account value per year, for accounts above $5000.

Best automatic saving: Digit


Digit is the best budget app designed to help you save a small amount of money over time. Digit is the easiest way to save few extra money without even trying. This app evaluates your spending habits and transfers money into your Digit account from your linked bank account. The average transfer each time is often $2-$17, the app never transfers more than you can afford.

You are kept up-to-date via text message, allows you to perform all your regular banking transactions. You can send the text message if you want to withdraw money, digit will transfer the money back to your checking account.

Digit is free and available for iPhone and Android.

Best to keep from overspending: PocketGuard


Free app PocketGuard is truly useful personal finance app designed to let you see your financial picture quickly and easily. This budget app focused on projections, rather than history, shows how much you have got in your account as well as how much you can spend for the day.

Connect the PocketGuard app to your accounts so it can track your monthly income, bills, expenses, and savings, and creates a budget for you. The app automatically sorts your purchases, subscriptions, and bill payments to track your budget as well as it helps you to lower your spending.

PocketGuard is available for iPhone, Android, Apple watch.

Couple app: Honeyfi


We all know money is a big source of stress for many couples. If you are a couple, Honeyfi may be the money management software you need, designed to solve the problems you run into when you have shared a budget with your partner. As soon as you link your household budget with this app, the app will create a budget automatically based on your expenses, and send alerts to both parties.

You can tag and comment on the transaction, create categories, and share money insights with each other. Honeyfi is designed to help couples at every relationship stage such as moving in, getting married, having a baby and buying a house.

You can download Honeyfi for iPhone and Android for free.

Best calendar based app: Dollarbird


Dollarbird is calendar-based personal finance management designed for real life. The app uses the calendar to help you manage your income and expenses and automatically figures out your cash balance for a defined period.

You can add, remove and edit expenses and income in a calendar-style view so that you can view your expenses and income on your mobile device or through a web interface. You can also choose to share your information with your family member or partner, so this budget app is great for small teams, families or couples.

Dollarbird is available for free for both iPhone and Android.

Credit Karma

Credit Karma

Credit Karma is a free app which allows you to check your credit scores anywhere, anytime and never pay for it. Actually, it is not a budget app, but it is an app that will help you to learn how to improve your credit score. An improved credit score helps you to get better interest rates. It lets you monitor your credit card number with weekly and daily updates and notifications.

Credit karma not only gives you free access to your credit scores, report, and monitoring. But also helps you to track down your missing money and gives the advice to claim that cash.

Credit Karma is free and available for iOS and Android.



Do you struggle to save money? If so, Albert may be the money management software you need, an app that teams up with various financial institutions to get helpful advice. Albert keeps track of all of your accounts and provides actionable and understandable recommendations for improving your financial health.

The Albert is a safe budget app, helps you to make smarter financial decisions using your personal data. Albert lets you view your income, bills, and expenses, as well as you can save automatically and withdraw money at any time with no fees. Albert budget app is for users who want a personal assistant for their money.

You can download Albert for your iPhone as a free.

Best for Investors: Personal Capital

Personal Capital

If you are looking for the best budgeting software, you will want to consider Personal Capital because it is a combination of people and technology, allows you to see all of your accounts in one place, offering an overarching vision of your income, spending, and investment.

The app is also available online and on wearable, this free app actively compares your stocks’ performance to the markets in real-time. It helps you to control spending and finances with interactive cash flow and budgeting tools, ensuring that you do not spend more than you make. You can even get investment advice from professionals but it cost extra.

HomeBudget with sync

HomeBudget with SyncHomeBudget with sync is a solid budgeting and expense management app for the home that allows users to easily set a budget, and then sync income and expense between multiple devices. With the HomeBudget you can create a budget, manage income amounts, log and categorize expenses, and share among family members.

This app allows you to easily coordinate your bills and expenses with family members or friends. HomeBudget is a good option for those users who want a lot of control.

Home budget is $4.99 on iOS, $5.99 on Android, $19.99 on Mac and $14.99 on Windows.

Best for couples: GoodBudget


A home budget app based on the envelope budget system, GoodBudget helps you manage your finances using the envelope budgeting method. GoodBudget is the perfect option for both couples and solo budgetors, so replace your family budgeting planner, worksheet or spreadsheet with this syncing app.

GoodBudget lets you manage your bills and finances while syncing across devices i.e. iPhone and Android so all family members know where money is going. It is an envelope budget for the digital age that gives you tools to plan your spending or create a budget.

This budget app is available for free. Users who want to deliver more envelopes, account, and devices, have to pay the $17.99 for three months and $29.99 for six months for pro subscription.

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