Best Budgeting Apps to Achieve Financial Goals in 2024

YNAB (You Need A Budget) is the best budget app for Android, perfect for partners and families. Up to six people can team up, share budgets, and chase their dreams together without paying extra. Say goodbye to debt faster with smart loan management, seeing how each extra payment saves time and interest. 

It is among the best budget tracker apps that tracks your expenses in real-time, making it easy to manage money with your partner. Set and visualize your goals, turning dreams into budget categories. With YNAB, you're in control of your credit cards, knowing you can pay off balances or get help to plan it.

Add income and expenses manually or link accounts for a big-picture view. You can have access to detailed reports of your spending and watch your net worth grow in colorful charts. 

Your privacy is a priority; your data is yours alone, with no ads or unwanted product pitches. Need help or resources? YNAB's award-winning support and tons of free resources, like workshops and guides, are there for you, making it a good budget planner choice.

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 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 your go-to app for easy money management and the best budgeting app. It is like having a robo-advisor app in your pocket. This app lets you see all your money - bank accounts, investments,  and more - in one place. You can easily know your real value by tracking your net worth.

It is one of the best personal finance apps that fits easily into your life. The app helps you manage your money, plan for retirement, and budget your expenses neatly. Keep an eye on your investments and ensure they do what they should.

This free budget planner works hard to keep your data safe with top-notch security. You get a clear, simple view of your finances, all while your information stays secure.

Unlike other free budgeting apps, Empower delivers breakthrough solutions for tracking and rebalancing your accounts for effective personal wealth management. Anyone can access the free tools. However, you can subscribe to the paid plans if you want an in-depth and more holistic wealth management tool.

PocketGuard is one of the best budget tracking apps that helps you figure out the money you can freely spend. Also, it ensures a set aside for your bills, essential needs, and savings goals. You will find a pie chart in the app to help you see which expenses use the largest portion of your budget. You can easily limit your spending to prevent overspending.

You can connect all your financial accounts, including banks, credit cards, loans, and investments, in one spot through the app. You can easily monitor your account balances, track your overall net worth, and more with this best budgeting app.

In the PocketGuard, you get a basic version for free and premium for $8 a month. In the premium version, you will get extra features like custom spending categories, a plan to pay off debts, the option to attach receipts, and the ability to export your transaction details, among others.

With the ‘IN MY POCKET’ feature, you will always be updated on how much money you have left to spend each month. Along with this, the app informs you about the remaining amount for paying bills and setting money aside for important things. This is a good practice to make sure that you are spending within the limit.

Honeydue is the best budget app for couples, making money management together with an easy and flexible process. Also, through this app, you can decide how much to share with your partner. Moreover, the app allows you to see all your bank balances in one spot. With Honeydue, you can set limits on spending for each category.  Also, you will get alerts when you are close to the limit.

The app allows you to add your categories, get bill reminders, and use emojis to chat about spending with your partner. This will lead you towards transparency, and you can easily split expenses and settle them when needed.

Honeydue is among the good budget apps because it promises to keep your money safe. Most US banks are supported, and with top-notch security measures like encryption, SSL/TLS, passcode & TouchID, and multi-factor authentication, your financial data is safe.

Honeydue is more than a budgeting tool; it helps couples see the bigger financial picture, reducing arguments over money. It frees up your time from money chores, letting you focus on enjoying your day together. And the best part? It's FREE!

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 is a simple, secure, and the best app for budgeting and investing. It makes investing affordable and easy. The app is counted among the best budget apps for Android users. Stash has already won the trust of millions of users. It became a helping hand to grow their money and achieve financial goals.

Stash allows you to choose from many stocks and ETFs without paying extra fees. Investing through this app is affordable, as you can start with any amount of money. Also, as you customize the Stash, it can even invest automatically for you.

It is also one of the best stock trading apps that offers a Smart Portfolio, which is like having an expert who creates and manages a diverse investment portfolio for you. The app adjusts it regularly to keep it updated. With Stash, you can leverage the banking perks too. It allows you to get your paycheck earlier, use tools to save money and earn bonus stock when you spend.

It isn't just about investing; it's also about learning. The app gives you tips and information to help you understand investing better.

For only $3 per month, Stash is a commonly used investment app that offers a plan that includes investing, a special card that earns you stock when you spend, banking, tools to help you budget, personalized advice, and an automatic investing account. It is a beginner-friendly stocks app that can assist you at every step of your investment. Plus, you get a retirement account that offers tax benefits. With Stash, investing and managing your money is easy and secure.

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 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.