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Best Personal Budgeting Apps of 2021


Budgeting apps can help you save money and take control of your finances. But are the potential savings greater than the cost of the apps? We tested some popular free and paid apps to find out.

Best Personal Budgeting Apps of 2021


If the point of a budget app is to help you save money, it seems like choosing a free one would be a clear first step. After all, free apps like Mint offer high-quality services. But while Mint is an excellent spending tracker (with some budgeting features), the apps featured here offer a little more help for the beginning budgeter.

We found that EveryDollar offers excellent support for zero-based budgeters, while PocketGuard helps you keep tabs on exactly how much you have to spend. Honeydue helps you budget with a partner, and Simplifi offers budgeting and spending tracking in a user-friendly interface.

Our Pick

Best Zero-Based Budget App

If you've vowed that this is the year you'll get your finances under control, EveryDollar can help. By planning out where every dollar you earn is going to go, this app helps you gain control of spending ... and even start saving. 

Why we chose EveryDollar:

  • The app has a free version, but if you want to link your bank accounts, you'll need the $129/year premium upgrade.
  • With this app, you assign every dollar you earn to a category (broken down in great detail). As you spend money, you assign your transactions according to their category, so you always have a clear sense of how much you’re spending on what and how much you have left.
  • Some other apps automatically assign transactions to categories, but with EveryDollar, doing it yourself makes you more aware of your spending. And the mechanism for categorizing transactions works smoothly and can become a daily ritual.
  • The granular view of your finances provides peace of mind and helps you save money.
  • Especially useful for beginning budgeters.

Best for: control freaks and people who need to start taking control of their finances. 

Read EveryDollar's Full Review
Runner Up

Best Simple Tracking App

  • Stay on top of your money, budget and bills from one secure personal finance app

    4.6 Ratings 8K+ Reviews 50K+ Downloads
    Free In-App Purchases
    Free In-App Purchases


You know that cliche about how young people could afford a house if they cut back on coffee and avocado toast? This app will help you decide whether you can afford the coffee this month. (Although it won't have much effect on the housing market.)

Why we chose PocketGuard:

  • Free basic version, with a $7.99/month($2.99/week) Pocket Plus upgrade.
  • This app is great at answering the question “can I afford that?” PocketGuard takes into account upcoming expenses and tells you how much you can spend for the rest of the month (it shows a daily figure too). That single piece of information makes small spending decisions much simpler.
  • Tracks your accounts and categorizes spending accurately, so you can see where your cash is going.
  • Although it doesn't have a lot of bells and whistles, the interface is clean and puts your balance front and center. 

Best for: when you need to know how much money you can actually spend.

Read PocketGuard's Full Review
Also Groovy

Best for Couples (and Best Name)

  • The simplest way for couples to track and manage money, together.

    4.5 Ratings 8K+ Reviews 100K+ Downloads
    Free In-App Purchases
    Free In-App Purchases


Sharing finances with another person can be difficult. If you and your partner are struggling with financial communication, Honeydue can help.

Why we chose Honeydue:

  • Free app to help couples share expenses and financial information.
  • The app links to accounts, but each person controls how much the other can see. That makes this a great app for people who are not sharing all their finances — it might be useful for roommates, for example.
  • Chat feature allows partners to ask each other questions about purchases or other financial matters in-app, so money talk can be kept in one place.
  • The ability to create budgets, view bills, and split transactions makes Honeydue a central hub for a couple's financial life. 

Best for: creating financial harmony. 

Read Honeydue's Full Review
Also Groovy

Best Hybrid Spending Tracker and Budgeting App

  • Reach savings goals, customize a budget, track your money & finances w/ Simplifi

    4.0 Ratings 1K+ Reviews 100K+ Downloads
    Free In-App Purchases
    Free In-App Purchases


Simplifi offers robust features at a low cost and with a well-designed and informative interface.

Why we chose Simplifi:

  • While Simplifi doesn't have a free version, at $3.99/month or $39.99/year you get a lot of features for your buck, and the app might help you save more than its cost.
  • Simplifi combines spending tracking and budgeting features in a clean yet powerful interface. A great choice and worth checking out for both new and experienced budgeters.
  • The app's spending plan helps you stay on top of how much you have to spend, taking into account bills and other upcoming expenditures.
  • Simplifi links with your accounts and categorizes expenses so you know how much you’re spending on different categories. Clear graphics give you a visual representation of your spending.

Best for: experienced and new budgeters who want a lot of features displayed in a simple way.

Read Simplifi's Full Review

Everything We Recommend

  • Our Pick
    Feeling stuck with your money? You can budget your way from where you are to where you want to be. You just need the right budgeting app.


Now you can easily manage your money with EveryDollar! Create a custom monthly budget to save money, pay off debt, build wealth, and give. Recommended by top personal finance experts Dave Ramsey, Rachel Cruze, and Anthony ONeal, EveryDollar uses the zero-based budgeting approach that millions are already using to win with money.

    All new users receive a FREE trial of Ramsey+, which includes the premium version of EveryDollar plus our online budgeting courses, a money goal tracker, and a whole lot more! Access your trial and upgrade to Ramsey+ from the main menu.


Whether you’re new to budgeting or consider yourself great at personal finance, you’ll love the simplicity and the power behind this personal budgeting app!


EveryDollar Free Features

    Create Your Personal Budget:

    • Create your custom budget in minutes.
    • Budget online from your desktop or in our mobile app.
    • Adjust budget lines, spending, debt payments, notes and more throughout the month.
    • Set custom reminders to help pay your bills on time.

    Track Your Expenses:

    • Manage money and track spending on the go.
    • Easily split transactions across multiple budget lines.
    • Know where you stand at a glance with tabs showing what you’ve spent and what’s remaining for the month. 

    Exclusive Ramsey+ Features

    • Connect your bank to your budget for automatic bank transactions. Just drag and drop transactions to their correct budget line.
    • Get custom budget reports on your income and spending habits.
    • Manage and view all your accounts in one place.
    • Gain priority support with our amazing customer success team.
    • Set up notifications when you have new transactions ready to track.
    • Score access to unlimited streaming of our best money courses, including Financial Peace University, Smart Money Smart Kids, Legacy Journey and the NEW Budgeting That Actually Works.
    • Track your money goal progress with the new BabySteps app, exclusive to Ramsey+ members.

    Upgrade to Ramsey+ from the main menu with an in-app purchase.

    Start spending on purpose with EveryDollar. Track expenses, save more money, crush your money goals, and take control of your finances. You can do this. Download EveryDollar, your personal monthly budget app, and make it happen.

    Privacy Policy: https://everydollar.com/privacy

    Terms of Use: https://everydollar.com/terms
    In-App Purchases
    $9.99 - $129.99 per item
    $12.99 - $129.99 per item
  • Runner Up
    PocketGuard is a free app that makes it easy to take control of your personal finance and stop overspending. Its intuitive money management tools help you make a budget and track spending automatically.

    Link your bank accounts & credit cards and track everything from account balances & transactions to net worth and more in one place.

    Our IN MY POCKET feature shows exactly how much disposable income you have after paying your bills, saving for your goals, and setting aside enough money for essentials, like food & transportation. It does the "can I buy it?" math for you, so you can spend with confidence and enjoy life.

    PocketGuard will help you to find out where your money goes and analyze your spending habits. See which expenses eat up too much of the pie. Personalize your reports with custom categories and hashtags.

    Add your bills and subscriptions to PocketGuard and it will automatically plan for future payments. Our smart bill reminders will help you never miss the due date again. And our smart algorithms will identify where you might be overpaying and offer easy ways to lower your bills.

    PocketGuard will help you to find subscriptions you might have forgotten about. This feature works automatically, so you need to do nothing to make it work. PocketGuard notifies you when such subscriptions are detected.

    Like the journey of a thousand miles begins with a single step, building up savings begins with setting your goals. PocketGuard allows you to set an unlimited number of goals and track your progress.

    We use the same 256-bit SSL encryption as all major banks to ensure your sensitive information is safe and sound. The PocketGuard app also uses PIN code and biometrics, like Touch ID & Face ID, as an additional security layer.

    Currently, PocketGuard connects to U.S. and Canadian financial institutions only.

    PocketGuard offers a premium subscription - PocketGuard Plus - which gives you access to additional features. PocketGuard Plus is optional and not required to use PocketGuard.
    In-App Purchases
    $3.99 - $99.99 per item
    $1.99 - $34.99 per item
  • Also Groovy
    Honeydue is the best personal finance app for couples. Track your bills, bank balances and spending together, and engage in meaningful dialogue about your goals and habits.

    • Introducing Joint Banking, a modern bank account designed for modern couples. Each of you and your partner gets your own account number and debit card on top of a shared balance. Track your budget in real time and get on the same page. Reserve your cards today.

    • Choose how much you share with your partner.
    • See all of your bank account balances in one place, neatly organized.
    • Set monthly household spending limits on each category, and get notified when you and your partner are nearing it.
    • Add your own custom categories
    • Get reminded you when it's time to pay your bills.
    • Send a thumbs up to encourage your partner's spending habits, or choose from 6 other emojis
    • Ask your partner if that mysterious purchase was theirs
    • Divvy up expenses, and square up balances with your partner when the time is right
    • Automatic categorization of all your spending
    • Support for over 10,000+ banks (US, Canada, UK, Spain & France)
    • Bank level security for your peace of mind:
    Your data is encrypted in storage and in transit.
    • SSL/TLS, passcode & TouchID, and multi-factor authentication.
    • See the big picture and argue less about the little things
    • Free up your time from financial chores and go enjoy your day!
    • It's FREE!

    Any questions or feedback? Reach out to us at

    Thanks for using Honeydue :)
    In-App Purchases
    $0.99 - $9.99 per item
    $0.99 - $9.99 per item
    Effortlessly manage all of your finances in one place and make your hard-earned money work harder for you with Simplifi by Quicken the budget app.

    Customize and track your budget, manage your spending and money, and reach your financial goals with one personalized, use-anywhere budget app, Simplifi by Quicken.

    * Automatically connect with and view all financial accounts in one place so you know exactly what’s happening to your money, budget and finances
    * Effortlessly identify changes in spending, income, net worth, budget, finances and more so you know you can save more and manage your money

    Whether you’re saving money for your dream home, a vacation, retirement, or your child’s education, Simplifi app helps you achieve life’s most important milestones and achieve your budget requirements

    * Feel confident that you are covered to spend on the things you care about.
    * Create a simple budget based on your income and finances to make sure you aren’t spending more than you make in a month.
    * Categorize and monitor spending so you can get and stay ahead.

    * Discover key finance and money insights so that you can make decisions that matter to you.
    * See how much money you have spent this month, excluding bills and subscriptions, so you know if you have enough budget or need to cut back

    We’re serious about protecting your account and privacy. Visit https://www.quicken.com/privacy/us to learn more.

    If you are a California resident, please refer to the new privacy guidelines set forth by The California Consumer Privacy Act on information sharing. If you would like to opt-out of the sale of your personal information as defined by these new guidelines, please go to http://www.quicken.com/privacy.
    In-App Purchases
    $0.99 - $35.99 per item
    $3.99 - $35.99 per item

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Best Personal Budgeting Apps of 2021