5 Apps You Should Use to Help You Stick to Your Budget

Stick to Your Budget

For some people, the word budget can be a little overwhelming and intimidating, and just simply hearing it makes people worry. But budgeting is not bad at all, as many see it as growth and learning to be responsible for the way they spend their money.

Furthermore, suspense and challenge can be taken out of the budgeting process through personal finance and budget applications. They will help you stick to a spending schedule, and, depending on your needs, many come with useful extra features.

If you need an application that subscribes or just alerts you when your bank accounts are running low, the answer is on this list.

1. Mint

With over 20 million users, it’s one of the most common budgeting applications available. For budgeters of any class, the software is free and easy to use. You can also set up reminders of bill payments, track investments, and access your credit score from TransUnion, all of which makes Mint our best free budgeting app option.

Also, because it is a free app, you have to deal with all the advertisements. But, aside from that, you’re going to get almost all the same integral functionality you will get. Mint provides a few tools for education, such as a home affordability calculator, a loan repayment calculator, and a blog with a range of topics related to personal finance.

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Due to the company’s respectable budgeting philosophy and credibility, You Need a Budget, or YNAB wins the top place. The company offers a 34-day free trial and a 100% no-risk, money-back guarantee, while it is the most expensive choice on our list.

Furthermore, the new edition of YNAB packs intuitively teaches some solid budgeting practices. It operates on Windows, as well as Mac, and back up the records automatically. Multiple users can exchange budgets since this software can connect to a wide range of devices such as computers, desktops, tablets, smartphones, and for verbal budget updates from the app, you can also connect it to an Amazon Echo.

YNAB is a software-based on a browser, but it also provides applications for Android and iPhone that sync data to your desktop. It costs $11.99 a month, or $84 for an annual plan, as of November 2024.

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3. Personal Capital

The Personal Capital software app is very popular and provides a lot of free tools to make it a good option for just about everyone. It is a budgeting tool that, much like most others, allows you to import purchases from your different accounts. Unfortunately, it doesn’t allow you to create budget categories of your own. You are stuck with the list that the app offers.

While the budgeting characteristics of the business are not as detailed as others, Personal Capital does provide better investment instruments. You can use the dashboard to see improvements in your net worth over time, and you can take a closer look at your portfolio payments with the Fee Analyzer from Personal Money.

Furthermore, with the company’s Retirement Planner tool, you can also prepare for the future or save for college with the Education Planner tool. Daily Capital, Personal Capital’s blog, covers a variety of financial planning issues for beginners as well as more seasoned users.

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4. Quicken

This budget app has been in operation since 1983. It is in some way, a little old-fashioned. It sets the bar such that it does all the fundamental things that a budgeting app would expect you to do, and it does them well. Quicken offers a one-place summary of your banking, saving, retirement, and credit card accounts and records your types of spending for you.

It helps individuals to enjoy their 30-day trial in addition to that. You have four options for registering, starter, deluxe, premier, and home and business for Windows users. The price ranges from $35.99 to $93.59 a year. While for MAC users, there are three option, starter, deluxe, and premium, with a price ranges from $35.99 to $70.19 per year.

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5. PocketGuard

Since its features concentrate on helping users take control of overspending, PocketGuard won the top spot as the best for overspenders. For $34.99 a year, the app offers a free and a premium edition, PocketGuard Plus.

When credit card payments are due, the app will see what you are spending, where to invest, and reminds you. PocketGuard’s In My Pocket feature uses an algorithm to measure how much money you can invest on the basis of your income, projected expenses, deadlines, recent expenditures, and budgets.

A smart bill alert is given by the app to keep track of due dates and shows where you can bargain for lower bills. An automatic savings function also exists, which allows you to set a target and save for it. PocketGuard transfers the money directly on your behalf to an FDIC-insured bank account.

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For many individuals, budgeting is a challenging task. While many people want to keep their money, it can be very exhausting to manually track expenses in a table, making it all too easy to give up.

Luckily, to simplify the process, there are budgeting applications available for us. Just remember to consider the features of each app before choosing what’s best for you.

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