Budget apps can help you achieve you financial goals.
They track your spending for you, so you can figure out where to cut back.
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Why should I start budgeting?
Budget apps are great for helping you track your spending. They are a great tool to help you see where you an cut back your spending. Accounting for every penny you make can be exhausting. Budgeting apps can streamline the process for you. Click here to read more.
To determine which budget app is best for you will depend on your financial goals. Some apps focus on building savings and some focus more heavily on tracking spending.
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Which budgeting apps are the best?
- Mint– best overall. Mint is free to download and learns more about you and your spending as you use it. It also allows you to split and re-categorize transactions that are auto-categorized. It can be used to budget but also to organize bill payments and check your credit score.
- Personal Capital– best for retirement and investment-focused. On this app you can create and maintain a personal budget. It is also great to monitor investments and retirement goal tracking.
- You Need a Budget– best for detail-oriented budgeters. YNAB gives you the option of linking your bank accounts or manually imputing transactions. YNAB’s first rule id “give every dollar a job.” However, they do not have a budget forecasting feature. YNAB is free for the first 34 days, after that it is $99 annually or $15 monthly.
- PocketGuard– best for simple budgets. This makes setting goals like lowering bill payments or growing your savings easy. There are plenty of visuals that make interpreting the data easy too.
- Goodbudget– best for people who like the envelope system. Goodbudget is a digitized version of the envelope system. You enter all of the data manually and you can sync your account to other people in your house. However, you can’t sync the app with your bank or credit cards. It is free but you can upgrade to Plus $7 monthly or $60 a year.
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