[et_pb_section fb_built="1" _builder_version="4.0.9"][et_pb_row _builder_version="4.0.9"][et_pb_column type="4_4" _builder_version="4.0.9"][et_pb_text _builder_version="4.0.9" hover_enabled="0" custom_padding="0px|||||"]<h1 id="article-heading_1-0" class="comp article-heading mntl-text-block" style="text-align: center;"><span style="color: #0a0a0a;"><strong>Best Budgeting Apps</strong></span></h1>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="4.0.9"][et_pb_column type="4_4" _builder_version="4.0.9"][et_pb_text _builder_version="4.0.9" custom_padding="||0px|||"]<div align="center">
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<p><span style="color: #0a0a0a;"><strong>Manage your money with these budgeting apps</strong></span></p>
<p><span style="color: #0a0a0a;">Most people would prefer to spend less and save more, but the day-to-day reality of work, family life, and other commitments makes it impractical, if not seemingly impossible. Let’s face it, it’s tough to find the time or motivation for budgeting, and some folks skip it altogether.</span></p>
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<p id="mntl-sc-block_1-0-1" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">For these and many other reasons, budgeting apps have become increasingly popular over the past decade. This software makes it easier to monitor your spending and saving habits by linking accounts to an application and tracking your cash flow. These apps, free or paid, offer a range of features to improve your finances.</span></p>
<p id="mntl-sc-block_1-0-2" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">We reviewed 15 of the best budgeting apps on the market to find the best options for new or experienced budgeters. We compared cost, functionality, features, security, reviews, and more. These are the best options to improve your budget.</span></p>
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<p><span style="color: #0a0a0a;"><a class="heading-toc" id="summary-list" style="color: #0a0a0a;"></a></span></p>
<h2 class="summary-list__title"><span style="color: #0a0a0a;">The 6 Best Budgeting Apps of 2021</span></h2>
<ul class="summary-list__content">
<li class="summary-list__item"><span class="summary-list__item-top-pick-container" style="color: #0a0a0a;"><strong class="summary-list__item-category">Best Overall:</strong> <a href="https://youneedabudget.a4xxmk.net/c/2104074/869639/10892?subid1=5085405&amp;subid2=nda72bc70c3d84b3cad2762dad847928f20" target="_blank" rel="nofollow noopener noreferrer" class="summary-list__item-top-pick" data-affiliate-link-rewriter="subid1=${DOC_ID}&amp;subid2=${REQUEST_ID}" style="color: #0a0a0a;">You Need a Budget (YNAB)</a></span></li>
<li class="summary-list__item"><span class="summary-list__item-top-pick-container" style="color: #0a0a0a;"><strong class="summary-list__item-category">Best Free Budgeting App:</strong> <a href="https://www.mint.com/" target="_blank" rel="nofollow noopener noreferrer" class="summary-list__item-top-pick" style="color: #0a0a0a;">Mint</a></span></li>
<li class="summary-list__item"><span class="summary-list__item-top-pick-container" style="color: #0a0a0a;"><strong class="summary-list__item-category">Best for Cash Flow:</strong> <a href="https://simplifi.sjv.io/c/2104074/946869/11855?subId1=5085405&amp;sharedid=Investopedia&amp;subid1=5085405&amp;subid2=nda72bc70c3d84b3cad2762dad847928f20" target="_blank" rel="nofollow noopener noreferrer" class="summary-list__item-top-pick" data-affiliate-link-rewriter="subid1=${DOC_ID}&amp;subid2=${REQUEST_ID}" style="color: #0a0a0a;">Simplifi by Quicken</a></span></li>
<li class="summary-list__item"><span class="summary-list__item-top-pick-container" style="color: #0a0a0a;"><strong class="summary-list__item-category">Best for Overspenders:</strong> <a href="https://pocketguard.com/" target="_blank" rel="nofollow noopener noreferrer" class="summary-list__item-top-pick" style="color: #0a0a0a;">PocketGuard</a></span></li>
<li class="summary-list__item"><span class="summary-list__item-top-pick-container" style="color: #0a0a0a;"><strong class="summary-list__item-category">Best for Building Wealth:</strong> <a href="https://www.personalcapital.com/get-started/" target="_blank" rel="nofollow noopener noreferrer" class="summary-list__item-top-pick" style="color: #0a0a0a;">Personal Capital</a></span></li>
<li class="summary-list__item"><span class="summary-list__item-top-pick-container" style="color: #0a0a0a;"><strong class="summary-list__item-category">Best for Couples:</strong> <a href="https://www.askzeta.com/" target="_blank" rel="nofollow noopener noreferrer" class="summary-list__item-top-pick" style="color: #0a0a0a;">Zeta</a></span></li>
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<p><span style="color: #0a0a0a;"><a class="heading-toc" id="best-overall-you-need-a-budget-ynab" style="color: #0a0a0a;"></a></span></p>
<h3 id="list-sc-item__heading_1-0" class="comp list-sc-item__heading split-text--roundup-title split-text"><span class="split-text__item" style="color: #0a0a0a;"><span class="split-text__item-secondary">BEST OVERALL </span></span></h3>
<h3 class="comp list-sc-item__heading split-text--roundup-title split-text"><span class="split-text__item" style="color: #0a0a0a;"><span class="split-text__item-secondary">You Need a Budget (YNAB)</span></span></h3>
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<p id="mntl-sc-block_3-0-2" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">You Need a Budget, or YNAB, earns the top spot because of the company’s renowned budgeting philosophy and reputation. YNAB says new budgeters typically save $600 in their first two months and more than $6,000 in their first year. Although YNAB is the most costly option on our list, the company offers a 34-day free trial and a 100% no-risk, money-back guarantee.</span></p>
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<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Pros</span></p>
<ul class="mntl-sc-block-comparisonlist__list">
<li>
<p><span style="color: #0a0a0a;">Complete <a href="https://www.investopedia.com/terms/b/budget.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" style="color: #0a0a0a;">budget</a> makeover</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Free 34-day trial</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">100% money-back guarantee</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Strong customer service and comprehensive education</span></p>
</li>
</ul>
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<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Cons</span></p>
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<p><span style="color: #0a0a0a;">$84 per year</span></p>
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<p><span style="color: #0a0a0a;">More time-intensive to learn</span></p>
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<li>
<p><span style="color: #0a0a0a;">Recent sync issues</span></p>
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</ul>
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<p id="mntl-sc-block_3-0-4" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">YNAB rises to the top of our list because of its budgeting philosophy and money-back guarantee. The company offers a free trial for 34 days (no credit card required) and after that, the cost is $84 per year. If you prefer to pay less upfront, the cost is $11.99 per month.</span></p>
<p id="mntl-sc-block_3-0-5" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">YNAB offers the ability to sync your bank accounts, import your data from a file, or manually enter each transaction. To begin, the company suggests learning the basics about the app through video courses, a live workshop, or reading a guide. YNAB offers a proactive budgeting approach, rather than tracking what you have already spent, like some competitors.</span></p>
<p id="mntl-sc-block_3-0-6" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">After signing up, you create your first budget and assign every dollar a purpose, like your rent or car payment, for example. The goal is to eventually get at least one month ahead, so you’re spending money you earned from 30 days ago. The company offers extensive educational resources and customer support to keep you on track.   </span></p>
<p id="mntl-sc-block_3-0-7" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">YNAB says privacy and security are its top priority. The company protects your information by using bank-level encryption for all data, best practices for password security, third-party audits, and more.</span></p>
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<p><span style="color: #0a0a0a;"><a class="heading-toc" id="best-free-budgeting-app-mint" style="color: #0a0a0a;"></a></span></p>
<h3 id="list-sc-item__heading_1-0-1" class="comp list-sc-item__heading split-text--roundup-title split-text"><span style="color: #0a0a0a;"><span class="split-text__item"><span class="split-text__item-secondary">BEST FREE BUDGETING APP</span></span><span class="split-text__item"><span class="split-text__item-secondary">Mint</span></span></span></h3>
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<p id="mntl-sc-block_3-0-10" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;"><a href="https://www.investopedia.com/articles/personal-finance/082216/how-mintcom-makes-money-intu.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" style="color: #0a0a0a;">Mint</a> stands out for a few reasons. It’s one of the most popular budgeting apps available, with over 25 million users. The app is free and easy to use for budgeters of all levels. You can also set up bill payment reminders, track investments, and access your TransUnion credit score—all of which makes Mint our choice for best free budgeting app.</span></p>
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<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Pros</span></p>
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<p><span style="color: #0a0a0a;">Free budgeting app</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Free TransUnion <a href="https://www.investopedia.com/terms/c/credit_score.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" style="color: #0a0a0a;">credit scores</a></span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Investment tracking</span></p>
</li>
</ul>
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<div class="mntl-sc-block-comparisonlist__wrapper">
<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Cons</span></p>
<ul class="mntl-sc-block-comparisonlist__list">
<li>
<p><span style="color: #0a0a0a;">In-app product advertisements</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Some complaints about technical issues</span></p>
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<li>
<p><span style="color: #0a0a0a;">Spending categorization could be better</span></p>
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</ul>
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<p id="mntl-sc-block_3-0-12" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Mint offers the best-known free budgeting app on the market. It’s a great <a href="https://www.kubera.com/blog/personal-capital-vs-mint-vs-kubera" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="noopener noreferrer nofollow" target="_blank" style="color: #0a0a0a;">option</a> for anyone looking to improve their spending habits. The app is free but you may see targeted financial product advertisements. </span></p>
<p id="mntl-sc-block_3-0-13" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">You may sync your financial accounts within the app or manually add transactions. Mint allows you to see all your accounts in one place and keep track of your spending on a daily basis. The app automatically organizes your spending, so you can see totals by category at a glance. Mint also offers monthly bill tracking, including payment reminders to avoid late fees. The app also offers the ability to keep track of your investments and check <a href="https://www.investopedia.com/terms/p/portfolio.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" style="color: #0a0a0a;">portfolio</a> fees. Mint offers a few education resources like a home affordability calculator, loan repayment calculator, and blog with a variety of personal finance topics. </span></p>
<p id="mntl-sc-block_3-0-14" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Mint protects your data through features like security scanning with Verisign, multi-factor authentication, and touch ID mobile access. The company stores your login information in a separate database with multiple layers of hardware and software encryption.</span></p>
<p class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;"></span></p>
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<p><span style="color: #0a0a0a;"><a class="heading-toc" id="best-for-cash-flow-simplifi-by-quicken" style="color: #0a0a0a;"></a></span></p>
<h3 id="list-sc-item__heading_1-0-2" class="comp list-sc-item__heading split-text--roundup-title split-text"><span style="color: #0a0a0a;"><span class="split-text__item"><span class="split-text__item-secondary">BEST FOR CASH FLOW</span></span><span class="split-text__item"><span class="split-text__item-secondary">Simplifi by Quicken</span></span></span></h3>
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<div class="figure-media"><span style="color: #0a0a0a;"><img src="https://www.investopedia.com/thmb/3HWXtn-XmigeKZylVDR8Q9xLSmk=/1012x320/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Simplifi-40eab358e2824b809f871acf7bf89a86.jpg" data-click-tracked="false" data-tracking-container="true" data_caption="model.caption!''" data_owner="model.owner!''" data-expand="300" data-img-lightbox="false" id="mntl-sc-block-image_1-0-2" srcset="https://www.investopedia.com/thmb/aIcmtqophkrYNpL3SZXjlFhYbbw=/300x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Simplifi-40eab358e2824b809f871acf7bf89a86.jpg 300w, https://www.investopedia.com/thmb/5-J7AK3djgITfwIiSfiWOBYUJgk=/478x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Simplifi-40eab358e2824b809f871acf7bf89a86.jpg 478w, https://www.investopedia.com/thmb/mEWtJyO3pPgb0YAkrGiikL9vSkA=/656x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Simplifi-40eab358e2824b809f871acf7bf89a86.jpg 656w, https://www.investopedia.com/thmb/cPO4m_gc6KNxQTiUKUaMZ7SwFJk=/1012x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Simplifi-40eab358e2824b809f871acf7bf89a86.jpg 1012w" /></span></div>
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<p id="mntl-sc-block_3-0-17" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Simplifi by Quicken earns high marks because it offers a personalized spending plan with real-time updates of how much you have left to spend throughout the month. The app syncs your bank accounts to show you where you stand and your progress on financial goals. Simplifi by Quicken also tracks your monthly bills and subscriptions, including those you don’t use.</span></p>
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<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Pros</span></p>
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<li>
<p><span style="color: #0a0a0a;">Strong cash flow tools</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Watch lists for mindful spending</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Free 30-day trial</span></p>
</li>
</ul>
</div>
<div class="mntl-sc-block-comparisonlist__wrapper">
<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Cons</span></p>
<ul class="mntl-sc-block-comparisonlist__list">
<li>
<p><span style="color: #0a0a0a;">$35.99 per year</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Some complaints about technical issues</span></p>
</li>
</ul>
</div>
</div>
<p id="mntl-sc-block_3-0-19" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Simplifi by Quicken ranks best for cash flow because of the app’s effective tracking capabilities. It’s the best option for staying on top of how much you can spend between your paychecks. The app offers a free 30-day trial and then you will pay $2.99 per month (billed annually at $35.99) or $3.99 per month if you choose not to pay upfront.</span></p>
<p id="mntl-sc-block_3-0-20" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">To get started, you have to sync bank accounts, and then you will have a complete snapshot of your finances. The app automatically categorizes your spending, tracks recurring bills and subscriptions, and stays on top of upcoming expenses. </span></p>
<p id="mntl-sc-block_3-0-21" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">One standout feature is the app’s custom watchlists, which allow you to limit spending by category or payee. Also, the custom spending plan monitors cash flow to make sure you never spend more than you make. Simplifi by Quicken offers tips while you’re using the app, but there’s also a blog full of educational content at your fingertips. </span></p>
<p id="mntl-sc-block_3-0-22" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Security and privacy are top priorities for Quicken, the app’s parent company. Quicken has been trusted with sensitive financial data for decades (since 1985) and continues to work on new security measures. The app uses 256-bit encryption to transmit banking data and keeps the information confidential.</span></p>
<p class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;"></span></p>
<p class="comp mntl-sc-block mntl-sc-block-html"></p>
</div>
</div>
</div>
<div id="list-sc-item_1-0-3" class="comp mntl-sc-list-item list-sc-item mntl-block">
<p><span style="color: #0a0a0a;"><a class="heading-toc" id="best-for-overspenders-pocketguard" style="color: #0a0a0a;"></a></span></p>
<h3 id="list-sc-item__heading_1-0-3" class="comp list-sc-item__heading split-text--roundup-title split-text"><span style="color: #0a0a0a;"><span class="split-text__item"><span class="split-text__item-secondary">BEST FOR OVERSPENDERS</span></span><span class="split-text__item"><span class="split-text__item-secondary">PocketGuard</span></span></span></h3>
<div id="list-sc-item__content_1-0-3" class="comp list-sc-item__content mntl-block">
<div id="list-sc-item__intro_1-0-3" class="comp expert-content list-sc-item__intro mntl-block">
<figure id="mntl-sc-block-commerce__image_1-0-3" class="comp mntl-sc-block-commerce__image mntl-sc-block-image figure-high">
<div class="figure-media"><span style="color: #0a0a0a;"><img src="https://www.investopedia.com/thmb/6ZXWy9DDs7S9X5kdjAPqg1Byaho=/640x599/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Pocket_Guard-a9f1cd0a0cef4d0b85295e5b49247427.jpg" data-click-tracked="false" data-tracking-container="true" data_caption="model.caption!''" data_owner="model.owner!''" data-expand="300" data-img-lightbox="false" id="mntl-sc-block-image_1-0-3" srcset="https://www.investopedia.com/thmb/-ACmvoAaDKmYXZW5PZ4-2OOWLB0=/300x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Pocket_Guard-a9f1cd0a0cef4d0b85295e5b49247427.jpg 300w, https://www.investopedia.com/thmb/HA2KdrZq0T0c8dilbm9IvL5t74Q=/385x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Pocket_Guard-a9f1cd0a0cef4d0b85295e5b49247427.jpg 385w, https://www.investopedia.com/thmb/8E7ttf_Fz50Um_4eaGv81MtEqYI=/470x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Pocket_Guard-a9f1cd0a0cef4d0b85295e5b49247427.jpg 470w, https://www.investopedia.com/thmb/fwnkGREU76vhIvtGU42zHGMkAxk=/640x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Pocket_Guard-a9f1cd0a0cef4d0b85295e5b49247427.jpg 640w" /></span></div>
</figure>
<p id="mntl-sc-block_3-0-25" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">PocketGuard made the cut because the app helps curb overspending. The company uses an algorithm to track your income, expenses, and savings goals to tell you how much you can spend every day. These spending limits make it easier to quit overspending and take control of your financial goals.</span></p>
<div id="mntl-sc-block_3-0-26" class="comp mntl-sc-block mntl-sc-block-comparisonlist">
<div class="mntl-sc-block-comparisonlist__wrapper">
<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Pros</span></p>
<ul class="mntl-sc-block-comparisonlist__list">
<li>
<p><span style="color: #0a0a0a;">Free basic budgeting app</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Cash flow at a glance</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Easy to use</span></p>
</li>
</ul>
</div>
<div class="mntl-sc-block-comparisonlist__wrapper">
<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Cons</span></p>
<ul class="mntl-sc-block-comparisonlist__list">
<li>
<p><span style="color: #0a0a0a;">PocketGuard Plus has a cost</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">No phone support</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Some complaints about technical issues</span></p>
</li>
</ul>
</div>
</div>
<p id="mntl-sc-block_3-0-27" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">PocketGuard earned the top spot as best for overspenders because its features focus on helping users take control of overspending. The app offers a free and a paid, premium version, PocketGuard Plus.</span></p>
<p id="mntl-sc-block_3-0-28" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">To get started you need to connect your checking, savings, and credit card accounts. The app can see what you are spending, where to save, and reminds you when credit card bills are due. PocketGuard's "In My Pocket" feature uses an algorithm to identify how much money you can spend based on your income, upcoming bills, goals, recent spending, and budgets. </span></p>
<p id="mntl-sc-block_3-0-29" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">The app offers a smart bill reminder to keep track of due dates and shows where you may be able to negotiate for lower bills. There’s also an automated savings feature, which allows you to set a goal and save for it. PocketGuard automatically moves the money to an FDIC-insured bank account on your behalf.</span></p>
<p id="mntl-sc-block_3-0-30" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">PocketGuard Plus offers additional features like creating your categories, changing transaction dates, the ability to export data, tracking cash, managing ATM deposits and withdrawals, and splitting up transactions. The company also publishes an educational blog for additional opportunities to learn. </span></p>
<p id="mntl-sc-block_3-0-31" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">PocketGuard prioritizes security with 256-bit encryption, a four-digit PIN, and biometrics like Touch ID and Face ID as another layer of protection.</span></p>
<p class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;"></span></p>
<p class="comp mntl-sc-block mntl-sc-block-html"></p>
</div>
</div>
</div>
<div id="list-sc-item_1-0-4" class="comp mntl-sc-list-item list-sc-item mntl-block">
<p><span style="color: #0a0a0a;"><a class="heading-toc" id="best-for-building-wealth-personal-capital" style="color: #0a0a0a;"></a></span></p>
<h3 id="list-sc-item__heading_1-0-4" class="comp list-sc-item__heading split-text--roundup-title split-text"><span style="color: #0a0a0a;"><span class="split-text__item"><span class="split-text__item-secondary">BEST FOR BUILDING WEALTH</span></span><span class="split-text__item"><span class="split-text__item-secondary">Personal Capital</span></span></span></h3>
<div id="list-sc-item__content_1-0-4" class="comp list-sc-item__content mntl-block">
<div id="list-sc-item__intro_1-0-4" class="comp expert-content list-sc-item__intro mntl-block">
<figure id="mntl-sc-block-commerce__image_1-0-4" class="comp mntl-sc-block-commerce__image mntl-sc-block-image figure-high">
<div class="figure-media"><span style="color: #0a0a0a;"><img src="https://www.investopedia.com/thmb/Ld-My3aY50ecxQKmfmbN67iVh3A=/1233x479/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/PersonalCapital-0709461f73f3499bac99149a3e76a3c4.jpg" data-click-tracked="false" data-tracking-container="true" data_caption="model.caption!''" data_owner="model.owner!''" data-expand="300" data-img-lightbox="false" id="mntl-sc-block-image_1-0-4" srcset="https://www.investopedia.com/thmb/jDRLOpu_7eOGCxOpD0JnT2ijh7k=/300x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/PersonalCapital-0709461f73f3499bac99149a3e76a3c4.jpg 300w, https://www.investopedia.com/thmb/o6kWG7eLhwClCKfxFvg10cl8Ois=/533x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/PersonalCapital-0709461f73f3499bac99149a3e76a3c4.jpg 533w, https://www.investopedia.com/thmb/ZciaZyzZi-6C8-JiN0C5s4HvyW4=/766x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/PersonalCapital-0709461f73f3499bac99149a3e76a3c4.jpg 766w, https://www.investopedia.com/thmb/vTN2ZotUOIi4wuW2BKJcllWrCgs=/1233x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/PersonalCapital-0709461f73f3499bac99149a3e76a3c4.jpg 1233w" /></span></div>
</figure>
<p id="mntl-sc-block_3-0-34" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Personal Capital scores high because the company offers the best free tools for wealth building. You can sync your financial accounts in one place to track your <a href="https://www.investopedia.com/terms/n/networth.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" style="color: #0a0a0a;">net worth</a>, plan for the future with the Retirement Planner, and use the Fee Analyzer to check portfolio fees.</span></p>
<div id="mntl-sc-block_3-0-35" class="comp mntl-sc-block mntl-sc-block-comparisonlist">
<div class="mntl-sc-block-comparisonlist__wrapper">
<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Pros</span></p>
<ul class="mntl-sc-block-comparisonlist__list">
<li>
<p><span style="color: #0a0a0a;">Free <a href="https://www.investopedia.com/terms/w/wealthmanagement.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" style="color: #0a0a0a;">wealth management</a> app</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Retirement Planner tool</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Education Planner tool</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Net worth tracking</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Fee Analyzer tool for your portfolio</span></p>
</li>
</ul>
</div>
<div class="mntl-sc-block-comparisonlist__wrapper">
<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Cons</span></p>
<ul class="mntl-sc-block-comparisonlist__list">
<li>
<p><span style="color: #0a0a0a;">Less focused on budgeting</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">No option to manually add transactions for budgeting</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Sales calls for wealth management services</span></p>
</li>
</ul>
</div>
</div>
<p id="mntl-sc-block_3-0-36" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Personal Capital lands at the top of our list with the best app for building wealth. You can use the product’s dashboards to sync accounts for a complete picture of your finances. The company’s primary app is free, with the option to add investment management services for 0.89% of your money for accounts under $1 million.</span></p>
<p id="mntl-sc-block_3-0-37" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Unfortunately, Personal Capital doesn’t allow you to manually add budgeting transactions, but you can manually add investments without syncing those accounts. You can use Personal Capital’s budgeting tools to see your total income and expenses every month. While you can’t create specific goals, you can add a budget, compare to previous months, and see your spending by categories. </span></p>
<p id="mntl-sc-block_3-0-38" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Although the company’s budgeting features aren’t as comprehensive as others, Personal Capital does offer better <a href="https://www.investopedia.com/terms/i/investing.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" style="color: #0a0a0a;">investing</a> tools. You can use the dashboard to see changes to your net worth over time, and Personal Capital’s Fee Analyzer gives you a closer look into your portfolio fees. You may also prepare for the future with the company’s Retirement Planner tool or save for college with the Education Planner tool. Personal Capital’s blog, Daily Capital, covers a range of financial planning topics for beginners to more experienced users alike.   </span></p>
<p id="mntl-sc-block_3-0-39" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Personal Capital protects your data with encryption, fraud protection, and robust authentication. No one has access to your individual login credentials, and the company’s partnership with Yodlee, a veteran financial technology company, offers another layer of security.</span></p>
<p class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;"></span></p>
<p class="comp mntl-sc-block mntl-sc-block-html"></p>
</div>
</div>
</div>
<div id="list-sc-item_1-0-5" class="comp mntl-sc-list-item list-sc-item mntl-block">
<p><span style="color: #0a0a0a;"><a class="heading-toc" id="best-for-couples-zeta" style="color: #0a0a0a;"></a></span></p>
<h3 id="list-sc-item__heading_1-0-5" class="comp list-sc-item__heading split-text--roundup-title split-text"><span style="color: #0a0a0a;"><span class="split-text__item"><span class="split-text__item-secondary">BEST FOR COUPLES </span></span><span class="split-text__item"><span class="split-text__item-secondary">Zeta</span></span></span></h3>
<div id="list-sc-item__content_1-0-5" class="comp list-sc-item__content mntl-block">
<div id="list-sc-item__intro_1-0-5" class="comp expert-content list-sc-item__intro mntl-block">
<figure id="mntl-sc-block-commerce__image_1-0-5" class="comp mntl-sc-block-commerce__image mntl-sc-block-image figure-high">
<div class="figure-media"><span style="color: #0a0a0a;"><img src="https://www.investopedia.com/thmb/3RVsF6IgRqA52h4uof95dCnPPGA=/960x320/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Zeta-fbbb085f645e49e793bf408d26498ef9.jpg" data-click-tracked="false" data-tracking-container="true" data_caption="model.caption!''" data_owner="model.owner!''" data-expand="300" data-img-lightbox="false" id="mntl-sc-block-image_1-0-5" srcset="https://www.investopedia.com/thmb/vkfrxfR7MQxbepeTr3U1hgYFACA=/300x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Zeta-fbbb085f645e49e793bf408d26498ef9.jpg 300w, https://www.investopedia.com/thmb/8Vt8zOjWFJFMvDzHpk6Oc7v3y-g=/465x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Zeta-fbbb085f645e49e793bf408d26498ef9.jpg 465w, https://www.investopedia.com/thmb/QLqj0nEH5_BqoqkMxh_HXHD5yF8=/630x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Zeta-fbbb085f645e49e793bf408d26498ef9.jpg 630w, https://www.investopedia.com/thmb/OScioWYq3rzIjKKBAFdJKpxc2aw=/960x0/filters:no_upscale():max_bytes(150000):strip_icc():format(webp)/Zeta-fbbb085f645e49e793bf408d26498ef9.jpg 960w" /></span></div>
</figure>
<p id="mntl-sc-block_3-0-42" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Zeta is one of the few free budgeting apps designed specifically for couples, joint finances or not. The app caters to all types of couples, including those who are living together, engaged, married, or new parents. You can sync various accounts to track spending, see your net worth, and manage bills together.</span></p>
<p id="mntl-sc-block_3-0-43" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">You can also sign up for a joint no-fee banking account and cards with features like early access to direct deposit, digital checks, access to the MoneyPass ATM network, contactless payments, and bill pay. All of these enhanced features make Zeta our choice as best for couples.</span></p>
<div id="mntl-sc-block_3-0-44" class="comp mntl-sc-block mntl-sc-block-comparisonlist">
<div class="mntl-sc-block-comparisonlist__wrapper">
<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Pros</span></p>
<ul class="mntl-sc-block-comparisonlist__list">
<li>
<p><span style="color: #0a0a0a;">Free budgeting app and no-fee joint bank account</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Designed for all types of couples</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">Features like early direct deposits, contactless payments, and bill pay</span></p>
</li>
</ul>
</div>
<div class="mntl-sc-block-comparisonlist__wrapper">
<p><span class="mntl-sc-block-comparisonlist__heading" style="color: #0a0a0a;">Cons</span></p>
<ul class="mntl-sc-block-comparisonlist__list">
<li>
<p><span style="color: #0a0a0a;">Low APY for joint account</span></p>
</li>
<li>
<p><span style="color: #0a0a0a;">In-app product recommendations</span></p>
</li>
</ul>
</div>
</div>
<p id="mntl-sc-block_3-0-45" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Zeta earns a spot on our list because the free budgeting app caters to all types of couples. The product also offers a free joint bank account to manage spending and paying bills together. Zeta’s Money Manager app and Joint Cards are free, but the company may offer paid services in the future. </span></p>
<p id="mntl-sc-block_3-0-46" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">The Zeta Money Manager app allows you to sync accounts or manually add data for a shared view of your finances. The app can create budgets, track spending, set up joint goals, and manage bills. A few standout features include sharing controls, shared and personal budgets, bill reminders, and more. Zeta offers monthly insights on your finances and how you can make improvements. Zeta’s Money Date Mag, an online publication covering love and money in the modern age, includes articles to boost your financial knowledge.</span></p>
<p id="mntl-sc-block_3-0-47" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">The Zeta Joint Cards offer bank account access with FDIC insurance through LendingClub Bank, no monthly fees or minimums, and 0.14% APY. The account provides special features like early direct deposits, contactless payments, and bill pay. The company uses state-of-the-art, bank-level security to keep your data safe. They don’t store your financial logins, and the company uses two-factor authentication and data encrypted databases.</span></p>
<p class="comp mntl-sc-block mntl-sc-block-html"></p>
</div>
</div>
</div>
<div id="article-outro_1-0" class="comp article-container article-outro mntl-block">
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<p><span class="heading-toc" id="faqs" style="color: #0a0a0a;"></span></p>
<h2 id="mntl-sc-block_4-0" class="comp finance-sc-block-heading mntl-sc-block mntl-sc-block-heading"><span class="mntl-sc-block-heading__text" style="color: #0a0a0a;">FAQs</span></h2>
<h3 id="mntl-sc-block_4-0-1" class="comp finance-sc-block-subheading mntl-sc-block mntl-sc-block-subheading"><span class="mntl-sc-block-subheading__text" style="color: #0a0a0a;">What Are Budgeting Apps? </span></h3>
<p id="mntl-sc-block_4-0-2" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">A budgeting app is a software application that you may access from your computer, tablet, or mobile device to track your personal finances. This may include tracking your income, expenses, savings, debt payoff, investing, or a combination to improve your <a href="https://www.investopedia.com/terms/f/financial-health.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" style="color: #0a0a0a;">financial health</a>. Budgeting apps are different from accounting software, which is typically for a business’s income and expenses.  </span></p>
<p id="mntl-sc-block_4-0-3" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Budgeting apps may sync with your financial accounts to offer an overview of your situation as changes happen. The most common use of budgeting apps is to track spending through a synced checking account. Many people aren’t aware of how much money they spend every month, which can make changes more difficult. A budgeting app may organize spending history into categories to identify trends, making the user aware of their habits over time.  </span></p>
<h3 id="mntl-sc-block_4-0-4" class="comp finance-sc-block-subheading mntl-sc-block mntl-sc-block-subheading"><span class="mntl-sc-block-subheading__text" style="color: #0a0a0a;">Should I Pay for an App or Use a Free One? </span></h3>
<p id="mntl-sc-block_4-0-5" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">When it comes to budgeting, everyone has their own preferences, including the willingness to invest money in a subscription-based budgeting app. Both free and subscription-based budgeting apps have pros and cons to consider. While spending money to improve your budget may seem counterintuitive, a premium app could be worth the cost if you make long-term changes. In some cases, the monthly or annual fee could pay for itself, but this may not be true for all subscription-based budgeting apps. A free 30-day trial is the easiest way to see if an app is worth the investment. If you enjoy using the app and feel motivated to continue, the monthly or annual fee could pay off. After all, the best budgeting system is one you are willing to stick with over time.  </span></p>
<h3 id="mntl-sc-block_4-0-6" class="comp finance-sc-block-subheading mntl-sc-block mntl-sc-block-subheading"><span class="mntl-sc-block-subheading__text" style="color: #0a0a0a;">What Features Should I Look For? </span></h3>
<p id="mntl-sc-block_4-0-7" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Most budgeting apps offer the ability to sync your bank accounts. You may collect your income and <a href="https://www.investopedia.com/terms/c/consumer-spending.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" style="color: #0a0a0a;">consumer spending</a> data into the app. Many apps can track your spending and organize your expenses into categories, which allows you to see trends over time. These features may make it easier to understand your spending habits and make better choices. </span></p>
<p id="mntl-sc-block_4-0-8" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Some apps take it a step further with automated <a href="https://www.investopedia.com/terms/s/savings.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1" rel="noopener noreferrer" style="color: #0a0a0a;">savings</a>, suggestions to save money, bill alerts, access to credit scores, and investing features. For apps with a savings component, you should make sure the account is FDIC-insured. You may also consider the account’s APY and how it compares to high-interest online savings accounts, which may also offer free budgeting tools. Depending on how much money you’re saving, it could be better to switch to an online, tech-focused bank offering a higher APY.     </span></p>
<p><span class="heading-toc" id="how-we-chose-the-best-budgeting-apps" style="color: #0a0a0a;"></span></p>
<h2 id="mntl-sc-block_4-0-9" class="comp finance-sc-block-heading mntl-sc-block mntl-sc-block-heading"><span class="mntl-sc-block-heading__text" style="color: #0a0a0a;">How We Chose the Best Budgeting Apps </span></h2>
<p id="mntl-sc-block_4-0-10" class="comp mntl-sc-block mntl-sc-block-html"><span style="color: #0a0a0a;">Budgeting is a challenge for many people. While many folks want to reel in spending, it can be tedious to manually track expenses with a spreadsheet, which makes giving up all too easy. Luckily, there are budgeting apps to automate the process. The only problem is, the market is flooded with free and subscription-based budgeting apps, and most people don’t have the time or energy to spend a month testing each out. Fortunately, we have done the heavy lifting for you. To create our roundup of the best budgeting apps, we considered 15 of the best companies on the market. We compared each app’s budgeting functionality, pricing, free trials, and user reviews. We compared the product features, educational tools, security, and how each app accesses your financial data. All of our picks are free, offer a free version, or have a free trial, so you won’t have to waste money on a budgeting app that doesn’t suit your needs. </span></p>
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<div align="center" style="text-align: left;"><span><span style="color: #0a0a0a;">To read the full article,</span> <a href="https://www.investopedia.com/best-budgeting-apps-5085405">click here</a>.</span></div>
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