The program will guide you through the process of allocating every dollar so you can spend intentionally. Its customizable reporting and goal tracking features, which include attractive and informative charts and graphs, help you stick to your plan. YNAB also provides comprehensive education, including more than free online workshops, and offers real-time updating so you'll always know where your money is going and can make adjustments on the fly.
We chose Honeydue as the best option for couples because it is specifically geared toward helping you manage your money with a partner. You can link accounts and customize what information you share with your partner while also communicating about money issues directly through the app. Notifications even alert you to upcoming bills or when you or your partner exceeds pre-set spending limits in your budget categories.
Honeydue is designed to help couples manage their finances together and its features are focused on joint communication. Honeydue makes sharing information about money simpler by allowing you to respond to your partner's transactions with a note, a thumbs-up, or other emojis. You can also aggregate your linked account information to see all of your individual and joint transactions in one place. Honeydue makes tracking spending easy by automatically categorizing transactions as well as allowing you to add your own custom categories.
And while there are fewer reporting options than with some other programs, customizable alerts help ensure nothing falls through the cracks. We chose PocketGuard as the best option for college students because it makes it easy for busy students to see at a glance how much money they have available to spend. Its goal tracking features and intuitive pie chart help even beginning budgeters see if they're on track.
And most of its features are free, which is ideal for those on a student budget. For college students who are newer to managing money, PocketGuard's simple user interface and intuitive pie charts make it easy to start budgeting and tracking spending. PocketGuard's In My Pocket feature also reduces the risk of overdraft accounts by keeping tabs on money available to spend at all times.
While the free version doesn't include as many features as the paid option, most college students will likely find the program is robust enough and can avoid committing to a monthly subscription fee. And algorithms in the program that help you identify and cancel unwanted subscriptions can help college students identify opportunities to keep more money in their pockets. We chose EveryDollar as the best option for families because it allows you to create a budget in less than 10 minutes that can be completely customized to your family's needs.
It allocates every dollar but makes it simpler than other programs to go through the process as a family. And it instantly syncs across all devices, so everyone can see what's been spent. EveryDollar is an ideal choice for families who want to take a hands-on approach to budget together and who don't want to pay a costly monthly fee. It allows you to allocate every dollar that you're spending and provides a customizable template to make the budgeting process easier.
For those who want added features, including the ability to link bank accounts, upgrading to the paid version is necessary. We chose Personal Capital as the best option for investors because it offers robust budgeting software and provides a retirement and savings planner with tools to keep tabs on investments. You can track your net worth, monitor your cash flow, and get an investment checkup so you can manage your money all in one place.
Personal Capital integrates budgeting software with other financial tools in one financial dashboard. You can track spending, monitor investment performance in real-time, set retirement goals, and track your net worth all in one place. You can also access special features such as an investment checkup, which compares your portfolio asset allocation to the target allocation for your age and circumstances.
The investment checkup feature is only available on the desktop version, though. However, the iOS and Android apps still offer plenty of features including interactive tools for tracking your investments and cash flow. Financial advisors are willing to talk with you about your plans, but you can expect to be upsold on Personal Capital's wealth management services if you take advantage of this feature. We chose Albert as the best option for saving money because it is a banking app that is good at both facilitating the budgeting process and automating savings.
The app monitors your spending habits, identifies spare dollars, and moves the money to a digital wallet. You'll earn cash back on purchases with your Albert debit card, can withdraw savings at any time, and can qualify for annual cash bonuses. Earn an annual bonus of 0. Albert creates an automatic budget for you, helping you to identify where your money is going at all times.
You can instantly see your income, bills, and the money left over. You'll also have many reporting options including reviewing past months' budgets or seeing your transactions as a pie chart. Albert not only facilitates easy budgeting but also makes saving effortless by identifying when there's extra money available and moving it into a digital wallet.
You'll be rewarded with an annual bonus on your savings and can easily track savings goals. Earn cash back when you use your Albert debit card. We chose Mint as the best option for beginners because it aggregates all your accounts in one place, helps you track your net worth, and provides add-ons such as access to your credit score.
Mint makes budgeting easy by allowing you to link your accounts and shows you how your spending compares to the national average. These features can help you see if you're on track when you're just starting the budgeting process. Mint makes it easier to make your first budget by providing a long list of categories and showing you how your spending compares to the national average. You can also link your financial accounts.
And transactions are automatically categorized so you can see if you're on track with your spending. Also, a heads up for Android users: PocketGuard also has one of the lowest Google Play scores in our list of best budget apps. Cost: Basic PocketGuard is free. Why we recommend it: Honeydue is designed so you and your partner can view both your financial pictures in one app. Both partners can sync bank accounts, credit cards, loans and investments. Although you can choose how much you share with your significant other.
Together, you can set up monthly limits on each of these categories, and Honeydue will alert you when you or your partner is nearing them. Honeydue also sends reminders for upcoming bills and lets you chat and send emojis. Why you may want to think twice: Like a few other apps on our list, Honeydue leans more toward reflecting and learning about past transactions, rather than planning ahead for expenses. The Pro account allows you to also export your budget, along with other extras. NerdWallet has a free app that lets you track your cash, see your net worth and debt, and track your credit score.
We chose not to include ourselves in the list above in order to present an unbiased view. We also offer non-app options you can try:. Use a free budget worksheet to record your expenses.
Explore online budget templates for a quick check of your finances. Read a budgeting book. To come up with the lists above, we first reviewed 18 money apps.
We appreciated apps that allowed users to do the following:. Sync several types of financial accounts and opt out of syncing. Plan ahead for financial decisions versus simply tracking past transactions. See their expenses categorized and create custom categories. Track bills and receive alerts for upcoming due dates. Share financial information with partners. Access the app via both the mobile app and desktop.
We also gave unofficial bonus points for nice-to-have features, such as showing credit score and net worth, as well as tracking investments. We noted apps that were free or relatively inexpensive. The experiences of real users matter, too. We only included apps that received at least 4. Those ratings were pulled on Dec. The best budget apps. Back to top.
Nerdy tip: Want to try envelope budgeting and sync your accounts? Check out Mvelopes. Nerdy tip: Another app worth checking out is Copilot iOS only. That app tracks investments, in addition to tracking and categorizing expenses. Nerdy tip: Zeta Money Manager and Firstly previously Honeyfi are also designed for multiple people to see their finances in one app.
And HomeInsurance. However, all CNET editorial content is independently researched and developed without regard to our corporate relationship to HomeInsurance. Our content may include summaries of insurance providers, or their products or services. CNET is not an insurance agency or broker. We do not transact in the business of insurance in any manner, and we are not attempting to sell insurance or asking or urging you to apply for a particular kind of insurance from a particular company.
In a digital world, information only matters if it's timely, relevant, and credible. We promise to do whatever is necessary to get you the information you need when you need it, to make our opinions fair and useful, and to make sure our facts are accurate. If a popular product is on store shelves, you can count on CNET for immediate commentary and benchmark analysis as soon as possible. We promise to publish credible information we have as soon as we have it, throughout a product's life cycle, from its first public announcement to any potential recall or emergence of a competing device.
How will we know if we're fulfilling our mission? We constantly monitor our competition, user activity, and journalistic awards. We scour and scrutinize blogs, sites, aggregators, RSS feeds, and any other available resources, and editors at all levels of our organization continuously review our coverage. But you're the final judge. We ask that you inform us whenever you find an error, spot a gap in our coverage, or have any other suggestions for improvement. Readers are part of the CNET family, and the strength of that relationship is the ultimate test of our success.
Find out more here. Want to reign in your spending in the New Year? A budgeting app might be exactly what you need. Sticking to a budget can feel overwhelming, when you have to account for every penny you earn. Budgeting apps can streamline the process by helping you track your spending, group it into different categories and highlight places where you may be able to cut back. To help, we've surveyed the top apps and curated a list of our favorites, all of which are available on both iOS and Android devices.
Since everyone has different styles of how they prefer to handle their money, the best budget app will depend on your spending style and saving goals. For instance, some apps like You Need A Budget foster ongoing diligence around tracking spending, while apps like Mint are more passive.
Here's a roundup of our top choices, based on App Store reviews and our experience using these budgeting tools. Read more: Best checking account for December Full disclosure: I've been a loyal Mint user for nearly a decade. This free budgeting app has gotten me out of debt, helped me budget for a computer, and gotten me to set financial goals like buy a new car.
It started out as a way to track my spending by syncing up with my banks, credit cards, savings, and loan accounts. Now I use it for budgeting, making sure I'm paying bills on time, and checking my credit score every week -- a newer feature but one I couldn't find in any other app I tried out. The more I use Mint, the more the money management app learns about me. Still, I love that I can recategorize transactions that auto-categorize into something completely wrong.
I also love that I can split spending transactions. Say you get some of your groceries at Target, but you also pick up home supplies and medicine there, too.
You can split your transactions to put the correct amount into each category. This is available in YNAB , but that comes with an additional cost. Since I've been using Mint for years, I can see my spending over time. As Mint learns more about you and your spending habits, you'll be able to see where your money goes each month. It details patterns and shows you graphs by category or at a glance on where your money goes.
You can compare months, too, if you'd like. I also like that I can change my budget based on my spending. If I took my dog to the vet last month, I can add that category to my budget. While not a saving-specific app, you can use Mint for this, too.
You can add "savings" as a category and then mark that transfer in your transactions accordingly. Mint also offers a space to set goals -- like buying a home, paying off debt, or anything else you'd like -- but it's on the desktop version, not the app. Download Mint.
0コメント