17 Best Budgeting & Money Management Tools

Looking for the best budgeting or money management tools? There are so many facets of budgeting, and you'll likely have to make some sacrifices, but using one of these tools can make those sacrifices easier and can take the most challenging work out of budget. These are the best budgeting apps and tools to download now if you want to get your spending under control. 

Some of these budgeting products listed below offer both a desktop and an app version of the product. And some of these tools do the same thing. You don't need all of these, so pick and choose which ones best fit your financial situation! 


You Need a Budget is one of the most popular budgeting apps available. If you've never even had a budget before, this is the app for you. It's a great way to get started with budgeting and will teach you how to manage your money. The app uses a "zeroed" out budget and makes sure that you allocate your money down to the very last cent!

You can learn more about YNAB here. 


EveryDollar is based on the zero-based budgeting method. You plan for where your money is going to go before a new period begins by entering all of your income and then making a plan for every dollar. The app allows you to create a very personalized budget for your needs.

Learn more about EveryDollar here


If one of your budgeting goals is to save more money, then Mint is a great solution. This app will allow you to learn how to spend less and save more money so that you'll have more money in your pocket, your savings account, or going toward investments! 

You can learn more about Mint here


To streamline your budget, use an app like Albert. This app allows you to connect all your accounts and take control of your spending in different areas. The app also features a completely integrated savings account so you can get a jump start on putting money away. 

Albert is available in the Apple App Store or on Google Play. You can learn more about Albert here.

Google Sheets 

Perhaps one of the easiest ways to get started with budgeting is through Google Sheets. It's primitive, and you'll have to create the sheet yourself, but it's a great way to have an overview of all your spending and learn where your money goes (and where it should go). You can also share your spreadsheets with others if you're working together on a budget! 

Google Sheets is free!


Do you like spreadsheets but desire automation in your budgeting process? Tiller allows you to track all your accounts in one place. You can create your own spreadsheet or customize an existing template, and then Tiller automatically updates Google Sheets and Microsoft Excel. 

You can learn more about Tiller here.  


If you prefer something to look pretty to find it useful, Spendee should do the trick. This app features many essential budgeting solutions and a few more technical ones, but the details lie in the design of the app. It's made to work seamlessly and look beautiful while helping you manage your money! 

Spendee is available in the App Store or on Google Play. You can learn more here


PocketGuard is a simplified app that will give you the bare minimum information on your budget. This tool is excellent when you just need a quick snapshot of your incoming and outgoing money. It's also great if you want to streamline things and make your budget as basic as possible! 

PocketGuard is available in the App Store or on Google Play. You can learn more here 


If you want the barebones budgeting app, this is an excellent choice. It simplifies budgeting and makes it easier for you to keep track of your budget no matter what you're spending or what you're bringing in. The app is easy to use and can be set up very quickly.

Learn more about BudgetSimple here


Fudget is a simple easy to use app that does not sync your financial accounts. It allows you to create simple lists of income and expenses and track your balance. There are no categories to manage or edit and not much of a learning curve as its interface is similar to that of a calculator. 

Fudget is available in the Apple App Store or on Google Play. You can learn more here


Goodbudget is an app based on the envelope budgeting method, where you put a certain amount of your monthly income toward certain spending categories or envelopes. Goodbudget doesn't connect your bank accounts so you will need to manually add account balances, cash amounts, debts and income. Then you assign that money into envelopes.

Goodbudget is available in the App Store or on Google Play. You can learn more here



Honeydue is an app that allows two people to manage money together. You can track all of your accounts and coordinate bill paying. The app allows you to categorize spending and to also set limits on spending. 

Honeydue is available in the Apple App Store or on Google Play. You can learn more here


Want an app that will help you differentiate between your business spending and your personal spending? Expensify can help you figure out what you're spending on business purchases and what you're using for personal expenses. This is helpful for business travelers and business owners! 

Learn more about Expensify here

Personal Capital 

When you've got the budget thing under control, then you can start seeing where you sit with your overall financial picture. If you want to learn about your personal wealth and how it can relate to your spending habits, Personal Capital is the app for you.

You can learn more about Personal Capital here


Are your bills just way too high? Do you think you could do better? Let Trim negotiate better bills for you and determine where you're spending too much money. Lowering your bills may make it easier for you to stick to your budget!  

Many of Trim's services are free. Learn more here

Rocket Money

Rocket Money is an app that offers a variety of money management features such as finding and tracking your subscriptions, spending insights, automated savings, credit scores, budgeting, and more.

You can learn more about Rocket Money here.

Credit Karma

While not necessarily a direct part of budgeting, keeping an eye on your credit can help you lower your expenses and make sure your credit card spending is in check. Use Credit Karma to keep up with your credit score, get insights on how to improve it, open a savings account, and even file your taxes! 

You can learn more about Credit Karma here 

If you've found this post helpful, why not take the next step on your financial journey? Join our free Watch Her Thrive Facebook group today! It's a supportive, empowering community where you can connect with others on their financial journeys. You'll gain access to exclusive content, financial tips, and a network of individuals who are making their money work for them. Click the link to join us today and start thriving in your financial life!


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