Best Budgeting Apps to Achieve Financial Goals in 2025

With a proactive approach, YNAB is among the best apps for budgeting that sets financial goals and budgets to fit individual needs.

• Add financial partners and manage money together
  
• Target goals and save for them as you like
  
• Keep an eye on your wealth using statistics
  
• The app comes with award-winning support as well

Next name in this list of fintech products, YNAB has been downloaded millions of times and has thousands of positive reviews on app stores like the Google Play Store and Apple App Store. The app offers interesting budgeting and finance features that let people make the best of their money.

Using YNAB, you can set targets and invest in segments to achieve them. Additionally, the app also lets you invite finance partners so you can plan your finances and save together.

YNAB's primary function is to help users allocate their income to various spending categories, ensuring they are aware of where every dollar is going. This approach not only assists in tracking daily expenditures but also in planning for future expenses, such as bills, savings goals, or debt payments.

The app emphasizes the importance of assigning money to savings and investments, fostering a savings mindset. Along with  its powerful budgeting tools, YNAB is known for its extensive educational resources. The app offers access to a wide range of personal finance education materials, including articles, videos, and free, live workshops, which are particularly beneficial for those new to budgeting.

YNAB stands out for its effective budgeting philosophy, user-friendly interface, and commitment to financial education. It makes it a valuable tool for anyone looking to gain better control over their finances.

GoodBudget is listed among the best spending tracker apps for its simple and intuitive management features. You can simply allocate a small amount of your income for each category and label things like rent, debts, groceries, and more.

• Best free budget app for up to 20 envelopes
  
• Compatible with multiple devices and platforms
  
• An intuitive and extremely simple-to-use interface
  
• Best security with highly secured bank data encryption

Goodbudget is a money management app for those who love smart budgeting. It is ideal for sharing with your partner, family, or friends, allowing you to sync and manage budgets across multiple phones and even online.

It is one of the best budget planner apps that syncs your transactions in the cloud. This makes accessing your budget easy from any device, including its web app. It keeps everyone on the same page financially, with your data automatically and safely backed up online. You can even download your transactions as CSV files.

The most secure budgeting app offers insightful reports to help you understand your spending and adjust your budget accordingly. Enjoy clear, easy-to-read reports like spending by envelope, income vs spending, and progress on paying off debt.

Goodbudget is based on the tried-and-true envelope budgeting method, but it's all digital-no physical envelopes, just virtual ones. Track your spending on the go, manage bank and envelope balances, schedule transactions, and fill envelopes automatically. It's not just about tracking your spending; it is about categorize expenses, planning and living within your means. Plus, the ad-free, Free Forever version gives you ten regular and ten annual envelopes to manage your finances smoothly.

EveryDollar is on our list of the best personal expense tracker apps for its simplicity and efficiency. It is one of the simplest free budgeting apps that makes you more aware of your income and daily expenses.

• Detailed account summary for all users
  
• Preset categories for effective budgeting
  
• It is easy to track and monitor bills and invoices
  
• Simple and intuitive interface ideal for beginners

EveryDollar is one of the top budgeting apps for Android that helps you manage your money easily and stress-free. You do not require spreadsheets or any kind of calculation to plan for the life you want. Over 10 million people around the world trust the app. This app helped them to discover a friendly way to budget and avoid overspending.

It is one of the best finance tracking apps that helps you save time and easily set up your first budget in just 10 minutes. Also, it allows you to customize your categories, track spending, set savings goals, and more. You can pay off debt quicker and save smartly.

This app uses the zero-based budgeting method, where every dollar has a specific job at the start of the month, making sure your income minus expenses equals zero.

Are you worried about overspending or curious about where your money goes? EveryDollar has you covered. Real budgeting shows you how to spend wisely and save more. Users often find they save an average of $332 and reduce expenses by 9% in their first month. EveryDollar turns budgeting into a tool for achieving financial freedom.

Empower Personal Dashboard is the best budget-tracking app, offering an optimized digital platform for an exceptional financial planning experience.

• Manage retirement, investment, and health savings accounts in one place
  
• Get enhanced protection with biometric and multi-factor authentication
  
• Build your financial confidence and take smart steps toward your goals
  
• It never sells users' personal information to third parties
  
• It is compatible with Siri and Apple Watch

Empower is a highly flexible tool designed to help investors make informed decisions about their investment strategies. With its personalized view of your entire financial portfolio, you’ll know how to calculate dividends with ease. It also shows your retirement plan, investment accounts, and savings account’s health.

But Empower isn't just convenient, it's also secure. The app utilizes biometric identification and multi-factor authentication to protect your identity, privacy, assets, and data. Plus, Empower never sells your personal information to third parties, ensuring your data remains confidential and protected.

PocketGuard is listed among the best finance apps for its advanced features. It has marked its place among the best AI-based financial apps that assist you in creating a budget and financial goal that are easy to work with and achieve.

• PocketGuard follows strict security protocols to secure your information
  
• Link bank accounts, credit cards, and other loans with the app
  
• Get advance alerts for your upcoming bills and keep track of your expenses
  
• Get insights into your spending pattern

PocketGuard is a great budget companion you should keep for your voyages. While traveling, managing funds and keeping track of your spending can be more complex than they seem. However, apps like PocketGuard give you a chance to always stay on top of your expenses.

This app simplifies your travels by managing bills and subscriptions. Simultaneously alerting you to upcoming payments. No more surprises with bills, as PocketGuard keeps you informed. A comprehensive budget planner with free analytics helps you keep track of your expenses. It is a simple bill budget tracker and subscription manager that makes sure you’re aware of all your financial commitments.

The app is perfect for setting financial goals, whether you're saving for a trip, a car, or any other goal, making it easier to manage your money efficiently. A key feature of PocketGuard is its debt-payoff plan setup, which helps you manage travel expenses and other debts with a clear strategy. With PocketGuard, financial stress during travel is reduced, giving you control over your finances.

Honeydue is on our list of the top apps for budgeting that lets you collaborate and monitor all financial transactions with your partner.

• Set spending limits by category
  
• Supports conversations by sending emojis
  
• Syncs all bank accounts, credit cards, and loans easily
  
• Customize categories to match different spending habits
  
• Enjoy bank-level security with encrypted data and multi-factor authentication

Honeydue has been a lifesaver for many couples, especially when it comes to managing your finances together. We can definitely use it as a finance app on our smartphones. While experimenting with the app, we loved how easy it is to manage all our bank accounts, credit cards, and loans in one place. This app helps you stay on top of your budget without any hassle.

The app helped us set spending limits for different categories. We were notified when we were nearing our maximum spending to keep us in check. Additionally, we were also given an option to create custom categories to suit our needs. One of our favorite features is the flexibility to choose how much we share with the other partner—perfect for balancing transparency and privacy.

The built-in emojis make money talk fun, like giving a thumbs-up for good spending habits. Honeydue’s bank-level security gives us peace of mind, and the fact that it’s free makes it even better. So, if you no longer wish to argue over finances—Honeydue will help you keep everything organized!

Fudget is on our list of the best budgeting apps that simplify money management. You can import your accounts and transactions directly to this budget app for expense tracking.

• Extremely easy to use and understand
• Free access to financial tools and features
• It is fully secure and safe, as it does not sync to your bank account
• Set a budget and save money according to the categories

Fudget is among the good budget apps, ideal for beginners or anyone needing a straightforward way to manage money. Whether you're budgeting from paycheck to paycheck, planning a wedding, going on holiday, or managing a project, Fudget makes it simple. Just add your income, list your expenses, and see what you have left - it's that easy!

As the best budget app for beginners, Fudget offers features that make budgeting less of a chore. You can mark entries as paid, repeat entries with a star for less typing, and even reorder your budgets and entries. Moving and copying your budgets and entries is a breeze, and you can carry over balances from one budget to the next.

Add notes to your entries, view charts of your budgets, search and filter entries, and keep track of your running balance. Fudget is also among the best apps for budgeting, with options to lock it using a passcode, Touch ID, or Face ID. This budgeting app lets you choose from various currency symbols and enjoy the app in many languages. Fudget is perfect for anyone looking for an easy, secure way to start budgeting.

Stash offers the most comprehensive online and mobile financial services through its two-tier subscription options, Stash Growth and Stash+.

• Take help from crypto guides to invest smartly
  
• Schedule automated investments by customizing the frequency
  
• Get personalized investment recommendations
  
• No add-on commission fees are included

Stash is a remarkable fintech app that allows users to make smart investments. Using Stash, you can create a diversified investment portfolio including stocks and cryptos. This app offers earnings up to 3% in stock and comes with a Stock-Back Debit Card. Every time you use this debit card to make a purchase, you invest in stocks.

On top of that, to guide you through Crypto investments, this app offers guidance from Crypto experts helping you pick the right cryptos to invest in.

Stash app offers personalized automated investing through its ‘Smart Portfolio’ robo advisor. It invests for you according to your goals. The experts, at Stash, will construct a varied portfolio for you that undergoes automatic rebalancing on a quarterly basis.

Zeta is on our list of the good budgeting apps, as it offers personalized financial support. Zeta Joint Accounts can assist you in effectively dealing with the financial challenges common in any relationship.

• Receive daily balance alerts & instant transaction notifications
• Save easily for all your goals with sub-accounts and automated savings
• Set aside money for bills & let Zeta pay them for you
• Add your Zeta debit card to your digital wallet

Zeta is a one-stop solution among the good budget apps for Android and iOS, handling everything from bill payments and saving for goals to tracking shared spending. This budgeting app, working smoothly with your current, savings and credit card accounts.

Zeta is a free budget app that simplifies your finances. It remembers when your bills are due and can even pay them for you. With our envelope system, you'll see what you can spend, what's for bills, and what's saved for goals.

Communication is easy with Zeta. No more confusion over charges or who spent what. See whose card was used, chat in-app about transactions, or attach memories or receipts to payments. Zeta aims to keep you and your partner in sync about money.

Get personal support from your Zeta Concierge, always ready to assist you with your account, new features, or any questions. Say goodbye to long waits and repeated explanations.

Zeta grows with you. Add a personal account for separate finances, or soon add more people to your joint account. Plus, your money and data are ultra-secure with FDIC insurance, top-notch encryption, and advanced security features. Zeta doesn't store your financial login details and will never sell your data, ensuring you're using one of the most secure options available.

Rocket Money is on our list of the good budget apps that makes it easy for users to manage their expenses and savings. At times, Rocket Money can secure a refund for past subscriptions. Put an end to wasting money on unused subscriptions and begin monitoring your finances now.

• It supports your credit score monitoring
• Setting up your savings goals to run on autopilot is easy
• Lets you monitor and increase your net worth
• Managing and canceling your unwanted subscriptions is simple

Rocket Money is a handy app that helps you to manage your money making it one of the best free budgeting apps for Android.  The app allows you to see all your money stuff in one place. You can easily keep an eye on your bank accounts.

You can find and cancel forgotten subscriptions to save money. Additionally, this will help you identify any subscriptions you may have overlooked. It keeps you in the loop about price increases or when free trials are about to expire. This budget app for free reminds you about your bills, and can even talk to companies to lower your bills for you.

This budgeting app helps you monitor where your money is going and how much you are saving. RocketMoney is considered among the best investment apps that enables you to track your investments and retirement savings. You can check your credit score and consider your big-money goals.

Rocket Money calculates the value of your assets, such as cars, houses, or NFTs, when you provide the information. It simplifies and reduces the stress of managing your money.