Top Budgeting Apps in the World to track your Finances

Managing your finances can be overwhelming, and staying on top of your budget can be challenging. Fortunately, technology has made it easier than ever to keep track of your finances with the help of budgeting apps. In 2023, there are countless budgeting apps available that can help you manage your money, save for the future, and reach your financial goals.

Whether you’re looking for a simple app to track your expenses, a more comprehensive tool to help you create a budget, or something in between, there’s an app out there that can help. We’ve researched and tested the best budgeting apps available in 2023, and we’re excited to share our top 10 picks with you. So without further ado, let’s dive into the 10 best budgeting apps of 2023.

List of Top 10 Budget Apps in 2023

Name of the App	Availability of Free Version	Review
Intuit Mint	Unlimited Free Access is Available	Best App for Monitoring Daily Financial Activity
Empower	14 days trial ($8 per month after trial)	Best App for Investors
PocketGuard	Unlimited Free Access is Available	Top app for tracking your spending
YNAB (You Need A Budget)	Free for 34 Days ($14.99 per month after month)	Best app for reaching your Financial goals
GoodBudget	$7 per month or $60 per year	Best Budget App for Envelope System Budgeting
Zeta	Free App	Best Budgeting App for Couples
Simplifi by Quicken	Free trial for 30 days ($47.99 per year after trial)	Best Budgeting App for Cash Flow
Busykid	Free App	Best App to Teach Budgeting to Kids
Digit	6 months trial ($5 per month after trial)	Best App for Managing Passive Saving and Investing
Stash	$3 Per Month	Best App for New Investors

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Best Budgeting Apps in 2023

Intuit Mint

Intuit Mint is a solid budgeting app with useful features for those looking to improve their financial management. It offers customizable budgets and free credit score tracking. It also has a desktop platform available for users to access. However, it’s worth noting that the app does have ads within it, which can be troubling for some users.

Cost	Free / Paid Version is available for $4.99/ month
Pros	Cons
All your financial accounts under one platform	Connectivity Issues
Free credit score tracking	Joint Account Support Not Available
Free version of the app is available	In-app advertisement
Customized notification and alert

Empower

Empower is a budgeting app that has gained popularity in recent years. One of the biggest advantages of this app is its user-friendly interface. It is easy to navigate and provides a clear overview of your finances. Additionally, Empower offers a variety of features such as automatic savings, bill tracking, and personalized budgets. This app is a great option for those looking to take control of their finances.

Cost	14 days trial ($8 per month after trial)
Pros	Cons
User-friendly interface.	Manual  entry is not supported
Automatic savings and bill tracking	Doesn’t work for unemployed people
Personalized budgets	Need access to your salary account
Offers Cash Advance of $10 to $250

PocketGuard

PocketGuard is a budgeting app that has been gaining popularity among users. One of its major pros is its ability to sync with multiple accounts, including bank accounts and credit cards. This allows users to easily track their spending and stay on top of their finances. However, users should be aware of its limitations including potential issues with syncing and user interface.

Cost	Unlimited Free Version of the app is Available
Pros	Cons
Mortgage lending feature	Account sync is not available in the free version
Personal Loans	The website is not user-friendly
Customizable budgets for an accurate financial figure	The app is a bit sluggish
You can link a large number of banks.

YNAB (You Need A Budget)

YNAB, or You Need A Budget, is a popular budgeting app that helps users take control of their finances. The app is designed to make budgeting easy and accessible, even for those who have struggled with it in the past. With YNAB, users can create a detailed budget, track their spending, and set financial goals.

Cost	Free for 34 Days ($14.99 per month after month)
Pros	Cons
User-friendly and available on all major platforms	Pricey Monthly Subscription
Encourages proactive financial planning and decision-making	Can be time-consuming to set up and maintain
Strong community and support system	May not be suitable for businesses or larger organizations
Flexible budgeting options

GoodBudget

GoodBudget is an app that helps users budget their money more effectively. It is available for both iOS and Android devices and is easy to use. With GoodBudget, you can create virtual “envelopes” for different categories of spending, such as groceries, entertainment, and bills. You then add money to each envelope and track your spending as you go. When you run low on funds in a particular envelope, GoodBudget will notify you so that you don’t overspend.

Cost	$7 per month or $60 per year
Pros	Cons
Envelope budgeting system	Slow Syncing
The app is available for both iOS and Android devices	An interface may be confusing for some users
Ease of use
Flexibility

Zeta

Zeta is a budgeting app that can help you take control of your finances. With Zeta, you can track your expenses and stay on top of your bills all in one place. One of the best things about Zeta is that it allows you to link all of your accounts, so you can see all of your transactions in one place. This makes it easy to keep track of your spending and make adjustments to your budget as needed.

Another great feature of Zeta is the ability to set up joint budgets with your partner or spouse. This can be especially helpful for couples who are trying to get on the same page financially.

Cost	Free App
Pros	Cons
Offers joint budgeting for couples	Not as customizable as some other budgeting apps
Has tools for setting up savings goals	Some users have reported issues with syncing accounts
Offers bill reminders and alerts	Not many in-built features for creating and tracking debt repayment plans
Allows you to link all of your accounts in one place

See: Most Popular Apps in the World

Simplifi by Quicken

Simplifi by Quicken is an app that aims to simplify personal finance management for its users. With its user-friendly interface and intuitive design, Simplifi is a great option for those who struggle with budgeting and keeping track of their expenses. One of the biggest benefits of Simplifi is its simplicity. The app is easy to navigate and understand, even for those who may not have a lot of experience managing their finances.

Cost	Free trial for 30 days ($47.99 per year after trial)
Pros	Cons
User-friendly and Intuitive	High Subscription Rate after a free trial period
App Automatically Categorizes transactions	Not as comprehensive as some other budgeting apps
Personalized Recommendation	Limited functionality

Busykid

BusyKid is an innovative budgeting app that aims to teach children financial responsibility from a young age. The app is designed to help kids learn how to manage their money, save for the future, and make wise choices when it comes to spending. One of the key features of the app is the ability to assign chores to your children and pay them an allowance for completing them. This not only helps teach kids the value of hard work but also gives them a sense of ownership over their money.

Cost	Free App
Pros	Cons
Provides educational resources and tools to help children learn about money	May not be suitable for children who are too young
Offers a safe and controlled environment for children	The app may not be as engaging or entertaining as other children’s apps
Encourages good habits around saving and spending

Digit

Digit is a personal finance app that helps users budget and save money. With this app, you can prepare a budget, track your spending, and save money without even thinking about it. One of the best things about Digit is that it analyzes your spending patterns and finds ways to save money for you.

For example, if it notices that you’re spending a lot of money on coffee, it might suggest that you cut back and transfer the money you would have spent on coffee into a savings account. 

Cost	6 months trial ($5 per month after trial)
Pros	Cons
Automatic saving and investing	Can’t move money from savings to investing
FDIC insured saving accounts	The free version is available for 6 months only
Simple UI

Stash

Stash Budgeting is a popular app designed to help users manage their finances more effectively. The app is simple and intuitive. It allows users to quickly get started to track their expenses and set budgets. Stash also offers a range of helpful tools including a spending tracker, a savings planner, and an investment calculator. As per many experts, this is the best budgeting app in 2023 for new users.

Cost	$3 Per Month
Pros	Cons
A wide range of investment assets including crypto assets	No interest on the bank account
Online bank account with budgeting tools	The app is not free
Exciting rewards for purchases	No human financial advisors

Frequently Asked Questions

We have provided this list of budget apps based on the information available on the internet. We recommend you research on your personal level before investing or letting these apps access your bank accounts.