Money Management and Budgeting Apps

Phone showing Financial Management App

Do you want to keep a budget, but aren’t sure where to start? Or maybe you have your money in a few different places and would like an easy way to keep track of it all. Managing money, sticking to a budget, and even handling investment decisions is more simple than ever before. We scoured the web and app stores to find the best money management apps so you can dive in, start saving money, and live more financially secure. 


Mint is an excellent app for seeing where all of your money is on all of your devices. It can track your bank accounts, credit cards, and even investments. You can also use it to plan budgets and future expenses, but its main focus is on giving you a financial overview.

You Need a Budget

For planning, You Need a Budget (YNAB) is the tool for setting a budget and sticking to it. YNAB is nicely designed and gives you a clear report of where your money is going, as well as tools and “four rules” for budgeting to help you save.


EveryDollar is a budgeting app that helps users track their spending and plan for purchases. It’s tailored for zero-based budgeting, which is a method where your expenses equal your income. With the free version of the app, users can create a transaction each time they spend money to account for it in their budget. For a more streamlined experience, upgrade to EveryDollar Plus to connect your bank account and expenses.


Acorns thrives on putting your pocket change to work in an utterly painless way. Basically, every time you make a purchase with a card you’ve connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference.


If you’re the sort of person who wants to be as organized with tracking your personal expenses as you are with filing your professional expense reports, you’ll love the free Wally app. Instead of manually logging your expenses at the end of the day, week or month, Wally lets you take a photo of your receipts. Use the geo-location on your device to fill in that info automatically, saving you several steps.


PocketGuard boils budgeting down to the only thing many users want to know: how much they have for spending. It crunches the numbers to show how much money is available after accounting for bills, spending, and savings goal contributions. All users can view how much money is left “in my pocket” for the day, week, or month. Those who want to dial down farther can track specific categories of spending — like groceries, clothing, or eating out.


Goodbudget is based on the envelope system, in which you portion out your monthly income toward specific spending categories. The app allows multiple devices to access the same account, so partners and family members can share a budget. Unlike other apps, Goodbudget doesn’t have you sync bank accounts. You manually add account balances (that you can pull from your bank’s website) and cash amounts and debts. With accounts and income entered, you assign money toward spending categories, known as envelopes.

Stretch Your Budget By Buying Used

Yes, that shiny coffee table from the big box Sweedish furniture store might seem like the easy button, but its not inexpensive to start with! Cheap furniture won’t last a lifetime, you will be spending even more to replace it in a few years. Save yourself some money, and get something that won’t look like everyone else’s living room by buying some used furniture. 

A significant portion of the stuff we have in stock at has already lasted a lifetime in someone else’s home, and is ready to do the same in yours. Sign up for our newsletter at the bottom of this page to get 10% off your first order, and get updates on our latest finds!

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