Top 10 of budgeting software apps

Top 10 of budgeting software apps

Top 10 of budgeting software apps

In order to have an enjoyable life, you must set yourself free of all your financial chains holding you. To do so, what is essential is to manage your earnings and the amount you spending. It may sound out of rich and keeping track of your budget is a sophisticated task to do. Fortunately, there are services just to make managing money humble, simple and systematised. Budgeting software apps provides eye-catching services so, you can maintain your wealth as a piece of cake. Even during pandemics such as Covid-19, thanks to budgeting software and apps, you can simply overcome any sudden damages. Mostly, finance software apps are programmed for a specific reason which is reaching long-term goals such as financial freedom. In this article what is going to be discussed is an introduction to some of the most important financial software and apps.

1. Quicken


In 2021 Quicken named the best budgeting software overall. For decades, since 1983, Quicken gives you the ability to handle all your financial life. You can coach all your investments, keep track of all your debts to get rid of them, thanks to Quicken.

The features of Quicken are so fascinating. Giving an Excel export gives you the capability to calculate anything on your data, so your data can have additional options to show off.

Getting rid of all your debts is the first step towards financial freedom. It is also the hardest step to take which requires the strongest wills. Fortunately, Quicken helps you to set up your payments due in order to getting rid of all your debts. In Quicken you are allowed to calculate your assets and liability mentioned in “A JOURNEY TO FINANCIAL ABUNDANCE” to figure out your accurate net worth. Quicken allows you to manage all your expenses weather it is personal or about your business. It also provides you an overview of your investments, retirement, credit card accounts and all your income in separated categories.

Quicken does the basics you are expected. Doing them very well is the best advantage it has.

Quicken is available on Windows, MacOS, iOS and Android with the price of $34.99 to $103.99 per year depending on your needs.

2. You need a budget (YNAB)

You need a budget (YNAB)

YNAB in comparison with Quicken, some may consider it as the best overall financial software. But I’d rather name it as the best habit builder because of the way it organizes your wealth. As a result of offering great and usable features, YNAB’s worth is as twice as its monthly price. With YNAB you are able to monitor your progression through months. YNAB also gives you a worthy report and by using its goal tracking feature, it provides you guidelines so you’ll be able to keep track of your plans.

YNAB contains the necessary tools to control your budget perfectly. On the other hand, working with YNAB is time consuming and compared to its free counterparts, YNAB is too expensive.

YNAB automatically connects itself to your bank accounts. It does analysis your interactions and gives you a report of your monthly budget. Yet, YNAB is incapable of tracking your investments.

YNAB gives you a 34-day free trial so you can decide if it’s the most suitable choice for your financial management. If it suits you, either by paying $11.99 per month or $84 a year, you can enjoy the full product. YNAB is a browser-based program and nowadays it is developed to be used as an app in iOS and Android.

3. Mint

Mint finance app

One of the greatest apps, is Mint. It’s the best for budgeting according to the most of the articles. Mint is a better Quicken; and also, it’s free. Being free, doesn’t mean that Mint doesn’t worth as much as its competitors. If you are patient about the ads, then Mint is the obvious choice for you. Mint is an understandable software. It connects to your bank account like YNAB, it can organise all the debts you owe and sends you alert in the times of need.

One of the great things about Mint is advising. It recommends you the ways of handling your budgets and to be fair, its suggestions deserve your respect. Mint can also categorise your budgets and it can show you in what category you overspent your money. And that the reason why Mint is fascinating.

4. CountAbout


Like YNAB, CountAbout is a browser-based program. If you spend $9.99 a year, you’ll be able to use its basic version which is not recommended. In the basic version you have to input your transactions manually and compared to Mint or YNAB, it doesn’t worth it.

If you raise to $39.99 a year, CountAbout turns to be interesting. Its premium version will be unlocked for you and it connects itself automatically to over 12000 banks, lenders and brokerages.

5. Moneydance


All the apps mentioned above have the lack of capability in keeping track of your investments. Although it is said that Moneydance doesn’t mean to be for beginners, it has already become my favourite. Among other apps, this software offers more features and it is meant to be used by experienced users.

Moneydance lets you to draw your desired charts and graphs easily so, you can notice in what category you overspent your money.

Like any other app, Moneydance help you to set a great plan as well as reminding the dues you need to pay back.

Moneydance is available on Windows, macOS and Linux. Its price is $49.99.

6. Personal Capital

Personal Capital

Personal Capital is one of the most popular apps. Even though importing to Personal Capital must be done manually and you’ll be stuck with its taste of categories, this app is suitable to grow your wealth.

Like any other app, Personal Capital helps you to draw charts and graphs so you can observe your weekly and monthly budget.

What makes Personal Capital suitable is the free investing tools it provides. It’s the most important advantage of Personal Capital to other software apps. Amazingly, Personal Capital will alert you if it notices that a particular investment will face a downfall.

7. Honeydue


Honeydue is programmed just for partners. Through the app you can communicate with the partner you linked with. By exceeding the pre-set limits, or getting near to an upcoming event, it sounds its alarm to get your attention.

Honeydue is all we expected about categorising. It allows you to categorise transactions however you like and also it is able to categorise them by itself.

Unfortunately, Honeydue is just a free app on iOS and Android.

8. PocketGuard


PocketGuard is the smartest app in order to show how much money is available to spend. It identifies areas which are suitable for saving money.

Unlike CountAbout, the free version of PocketGuard does worth more than its premium versions. The tools available in the free version meet your needs and once you’ve become a professional, there’s no need to continue using PocketGuard. Also, the premium version is not ad-free.

9. Albert

Albert finance app

Albert is the best money management app that not just facilitate budgeting but also saves an amount of money automatically. Don’t worry about the money going to be saved; this amount is gathered from the spare money you often forget about.

The algorithm used in Albert is quite genius. The digital wallet it provides you will someday contain a noticeable amount of money that may surprise you. It also awards you with an extra money by evaluating your savings.

Albert doesn’t have a desktop version and the minimum amount should be paid is $4 per month.

10. Mvelopes


Mvelopes has a unique technique in comparison to other software apps.

First you set your financial goals, then you put the most important ones in prior. Like all the other apps, you link your bank accounts and you can set your income. The software creates “envelopes” and these envelopes help you to manage your budget. These envelopes are better categories which algorithms have been learnt from the physical process.

The software connects all the information you gave and monthly shows you how much you spent from each envelope.

Before deciding to use Mvelopes as your main financial software app, it gifts 30-day free trial. If you become satisfied of its performance by a price of $5.97 per month or $69 a year you can start using it.


The software apps mentioned above are the most usable ones. There are other apps such as EveryDollar, Goodbudget, Acorns and so on which can have their own advantages.


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