There are mobile apps for just about everything nowadays. This includes online budgeting apps designed to help you improve your personal finances.
Using a budget is an excellent way to eliminate debt, save money, and reach your financial goals faster. With new budgeting apps available to download every year, which ones are the best for you and your family to improve your finances?
Here are 15 online budgeting apps that we like.
Explore Top Online Budgeting Apps
One of the most established budgeting apps, Mint allows you to sync your accounts so you can tracking spending in real-time. Users can create categories to break down spending further, which allows you to analyze your budget in a way other apps don’t.
Mint also lets you track bills and set alerts so you never miss a payment. If that wasn’t enough, you can also check your credit score for free through Mint. Lastly, you can receive budget suggestions if you need some extra help setting yourself up for success.
Price: Free (ad supported)
Related Article: Create Your Budget on Mint in 10 Simple Steps
Tiller is the budgeting app that isn’t actually an app. Wait, what?!
Tiller believes in the power of spreadsheets. Their research shows people are more aware of their financial habits using spreadsheets over a “one size fits all” app. Tiller automatically updates Google Sheets and Excel daily with all your spending, balances and more.
Use customized templates that fit your needs. Because it’s cloud-based, you can access your information from anywhere on any device and also share access with your spouse. Tiller works with 21,000 financial sources so all your accounts are covered.
Tiller will improve your financial awareness without all the manual entry normally needed with keeping spreadsheets. It’s the best of both worlds.
Price: Start with a free 30-day trial and then pay just $6.58 a month ($79/year).
Related Post: Mint vs. Tiller: Which Budgeting Tool is Better for You?
If you are looking for a comprehensive money management program, Personal Capital is a solid choice for your family. Like other apps, you link your bank and investment accounts to be able to track spending, saving, see current balances, and check on portfolio performance.
Personal Capital’s app is free to use, but they are looking to upsell you to their other financial services. The good news is you don’t have to upgrade to use their app, which is available on most devices.
Price: Free (will try to sell you financial services)
You Need A Budget (YNAB) is budgeting software that allows you to set up and track budgets seamlessly on any device. They allow you to sync your bank accounts easily to the app.
One of the best features is the ability to set and track financial goals. YNAB will break down how to reach those goals, which is extremely helpful.
Get the support you need as well, through forums, easy to use guides, weekly videos, podcasts, and live workshops.
YNAB is free to use for 34 days, then just $11.99 a month. YNAB users average $6,000 in savings in their first year of use, which makes the monthly charge a great investment.
Price: $11.99 per month / $84 per year
Related Article: Pros and Cons of YNAB – Budget Your Way to Wealth
Honeyfi is the budgeting app with couples in mind. Family finances are always more successful when both partners are actively invested in money management. You can create a customized budget and set up payment alerts right on your phone.
What makes Honeyfi different from other online budgeting apps is their commitment to communication with the ability to share notes on transactions with your spouse.
Honeyfi gets everyone on the same page, saves time (and money) and gets you closer to achieving all your financial goals together.
Price: $9.99 per month. You’ll save 50% if you buy it a year at a time, which works out to just $5 per month.
Related Article: Honeyfi Review: Budgeting App for Couples
Looking for a budgeting app that caters to couples? Zeta has you covered.
Zeta allows you to track all of your accounts, whether they are personal or shared. You can track spending, set financial goals, and budget together.
I love that you can tag your partner on specific transactions. Other features include bill reminders and money coaching.
Zeta now has a joint bank account that has no fees and no account minimums. It also comes with debit cards and has a built-in financial assistant.
Related Article: Zeta Review: Personal Finance Budgeting App for Couples
This popular budgeting app comes from Dave Ramsey. You can start by creating an account and then set up your zero-based budget.
EveryDollar offers a free version and a paid version (EveryDollar Plus). EveryDollar is now part of Ramsey+. Unfortunately, you can only connect to your bank and view account balances in the paid version. The free version still allows you to create unlimited budgets, track expenses against your budgets, and get email support. Your EveryDollar account comes with a free trial of EveryDollar Plus, which costs $129.99 a year after the trial ends.
Price: EveryDollarPlus with Ramsey+ $59.99 per 3 months, $99.99 per 6 months, $129.99 per year
Related Article: How to Save $1,000 in Dave Ramsey's Baby Step 1
Are you familiar with the envelope system for budgeting money?
The concept of envelope budgeting works, but most people don’t actually handle cash very often anymore. Mvelopes takes that concept and digitizes it with their budgeting app.
With Mvelopes, you can split up your money into different categories. You can connect your bank account and track your income and expenses. The Mvelopes app also allows you to set a monthly budget and savings goals.
Price: Mvelopes offers 3 different plans:
- Basic: $5.97/month
- Premier: $9.97/month
- Plus $19.97/month
Mvelopes Plus and Complete include varying amounts of live financial coaching help as part of their package.
Another budgeting app that uses the envelope system model is Qube Money (formerly known as Proactive Budget). Qube simplifies budgeting by splitting your money into several digital accounts, giving every dollar a job.
Qube stands out from other top online budgeting apps. One reason is that customers also receive a Qube debit card. They transfer money to the card and then categorize every dollar into virtual envelopes, called qubes. When it’s time to make a purchase, open the app, and choose which qube you want to pull money from before using your card. As a safeguard, your card is declined if you skip this step.
While Qube is a bit more extreme than other budgeting apps, it works. It tracks all of your spending too, so you don’t have to worry about forgetting any details. Qube now offers lifetime memberships, with options for companion and kid cards.
The Qube card requires you to choose a qube through your smartphone. There could be potential issues if you don’t have your phone at the time of purchase or have trouble connecting to the app.
Price: Qube Money offers 3 different plans:
- Basic: $0
- Premium: $8/month
- Family: $15/month
- Platinum: $25/month
Related Video: Why Digital Cash Envelope Budgeting Wins
Wally is a simple budgeting app that allows you to follow expenses, create a working budget, and set financial goals for yourself. It is completely free, although they are working on an upgraded version they will release in the future that will have a fee.
Some of the better features of Wally include the ability to save frequent shopping locations for easier data entry as well as assigning recurring income and expenses within the app.
Wally also allows you to scan and save receipts. If you are looking for an app that offers more than just budgeting or can connect to your accounts, one of the other options on our list might serve you better than Wally.
Pocketguard is another budgeting app. This one allows users to link their accounts to the app to track spending, including:
- Bank accounts
- Investment accounts
- Credit cards
With Pocketguard, you can build a customized budget based on your spending habits. One nice feature is that it lets you know when you have leftover “pocket” money after paying bills and other expenses. Pocketguard allows you to set savings goals, like paying off debt or adding money to investment accounts. You can link a goal and goal account, and Pocketguard will deduct from it monthly from your pocket money.
Pocketguard is relatively easy to use and features charts and graphs to help you visualize where your money is going and what to watch for in the future.
The budgeting app also makes suggestions on how users can save money through partner financial services.
Price: Pocketguard offers 2 different plans:
- Free: $0
- Pocketguard Plus: $4.99/month, $10.99/quarter, or $34.99 annually
Another app that lets you link all of your finances in one spot is Clarity Money. Recently acquired by Marcus (A Division of Goldman Sachs), Clarity Money is a free online budget that allows you to track spending by breaking every transaction down into categories. Clarity Money also follows your recurring expenses, notifying you of any price increases or drops.
Clarity Money also helps you track all of your subscription services. It works on your behalf to cancel any unwanted services. It also comes with free access to your credit score through Experian.
Clarity Money users can open a Marcus high-yield online savings account directly through the app. If you’re looking for an online savings account that earns high APY, Marcus is a great option.
For a simple budgeting tool to use, check out CountAbout. It’s a web-based budgeting tool that allows users to import from other programs like Quicken and Mint. Users can quickly sync account information from your bank and other financial institutions.
Other helpful features include:
- Scheduling payment
- Tracking payments
- Financial Reports
- Recurring transactions
- Attaching receipts and images
Access to specific features depends on whether you have the basic version and a premium version of CountAbout. There’s also an add-on feature for small business owners for an extra fee.
CountAbout is also available on iOS and Android for budgeting on the go.
Price: CountAbout offers 2 different plans:
- Basic: $9.99/year
- Premium: $39.99/year
- Other add-ons available for a cost
You may be wary of linking all of your financial accounts with your online budget. The good news is you don’t have to. That’s where Goodbudget comes in.
Goodbudget is like other budgeting apps that utilize the envelope system. Instead of syncing up your personal accounts, users manually enter information. Yes, it’s more work, but it also keeps you fully invested in what’s going on with your money. It’s a nice middle ground between fully-automated budgeting and reverting to paper envelopes and a pencil.
Goodbudget has a free version, as well as a paid version, which gives you unlimited envelope categories and customer support through email.
Using a less automated app requires discipline for sure, so if that’s not you, opt for an app that does the work for you. But sometimes doing the work yourself allows you to see where your money is falling through the cracks.
Price: Goodbudget offers 2 different plans:
- Free: $0
- Plus Plan: $7/month or $60/year
Simplifi by Quicken
Recently named the best budgeting app by Wirecutter, Simplifi rounds our out list of top online budgeting apps.
This budgeting tool aims to help users in four main ways. Use Simplifi to…
- Get a broad view of your finances overall.
- Track your spending and monitor areas of overspending.
- Set and reach savings goals.
- Plan for short-term and long-term goals, savings and otherwise.
Price: $39.99 billed annually or $3.99 per month
Which Of The Top Online Budgeting Apps Is Best For You?
Regardless of what method of budgeting you use, the above apps can help you gain control of your family finances. Like any financial tool, these apps only work if you give them the attention they need to work properly. Some financial apps require more work upfront, connecting accounts and setting goals. Others are more straightforward.
Most of the apps listed are either free or offer a free trial so you can test them and see what works best for you.
Which one of these online budgeting apps are your favorite?
Please let us know in the comments below!