Best Apps For Bills And Budgeting

10 Cheap Apps for Keeping Your Bills in Check - Paste

Finding the best apps for bills and budgeting can be a challenge. How do you know which one is going to be the most useful for you?

We’ve done all the hard work for you. We’ve reviewed the top 5 best apps for bills and budgeting so that you don’t have to waste your time searching for them.

You can find out how much money you should be spending on rent, how much money to put aside for your electricity bill, and how much money you need to save up in order to pay off debt or set aside for retirement. All of this information is available at your fingertips with one of these apps!

Do you want to boost your website’s traffic?

Take advantage of FLUX DIGITAL RESOURCE seo tools

The next time someone asks what kind of software they should use to keep track of their spending habits, refer them to this list!

best apps for bills and budgeting app

Skip to content
Advertiser disclosure
The 8 Best Budget Apps for 2022
These budget apps vary in their scope, methods and features — but they all rank high among users.
Dec 22, 2021

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here’s how we make money.

The most basic budget apps typically connect with your financial accounts, track spending and categorize expenses so you can see where your money is going. But many apps do much more than that.

The budget apps below are crowd-pleasers because of their features. At the time of this writing, each has at least 4.5 stars (out of 5) in the iOS App Store or on Google Play, as well as at least 1,000 reviews. (Jump to the methodology.)

The best budget apps
Mint, for just about everything

Goodbudget, for hands-on envelope budgeting

YNAB, for hands-on zero-based budgeting

EveryDollar, for simpler zero-based budgeting

Personal Capital, for tracking wealth and spending

PocketGuard, for a simplified budgeting snapshot

Honeydue, for budgeting with a partner

Fudget, for budgeting without syncing accounts

Mint, for just about everything
Why we recommend it: Let’s start with Mint’s very high ratings in both the App Store and Google Play. (It also has, by far, more reviews than any other app we reviewed.) It’s free and syncs many kinds of accounts: checking and savings, credit cards, loans, investments and bills.

As far as the actual budgeting, Mint automatically puts your spending into budget categories. You can personalize these categories, which are unlimited. You set limits for these categories, and Mint lets you know if you’re approaching those limits.

Besides those budgeting features, Mint may help users pay down debt, save more money and track goals. The app also shows users their credit score and net worth. Bonus: Mint provides tons of support for using the app, including a detailed FAQ and a list of “known issues.”

Why you may want to think twice: Mint is impressive in many ways, including the fact that it tracks just about everything on your behalf. But that may not be ideal if you’re looking to be more actively hands-on in your budgeting. If you’re searching for an app in which you plan ahead for your money, rather than track it after the fact, other apps on our list may work better for you.

Cost: Free

Apple store rating: 4.8

Google Play rating: 4.5

Note that all ratings were current as of Dec. 15, 2021.

Back to top
Goodbudget, for hands-on envelope budgeting
Why we recommend it: Goodbudget is more about planning for your finances than tracking previous transactions. This app is based on the envelope budgeting system, in which you portion out your monthly income toward specific spending categories (called envelopes).

This app doesn’t connect your bank accounts. You manually add account balances (that you can pull from your bank’s website), as well as cash amounts, debts and income. Then you assign money toward envelopes.

You can access the app from your phone and the web. You’ll also find many helpful articles and videos that help you use the app.

Goodbudget offers a free version that allows one account, two devices and limited envelopes. Its paid version, Goodbudget Plus, allows unlimited envelopes and accounts, up to five devices and other perks.

Why you may want to think twice: Because you can’t sync financial accounts, you must enter every expense. If you’re not up for that work, the app probably won’t be effective.

Cost: Goodbudget is free. Goodbudget Plus is $7 per month or $60 per year.

Apple store rating: 4.7

Google Play rating: 4.5

Nerdy tip: Want to try envelope budgeting and sync your accounts? Check out Mvelopes. It didn’t quite make our list but follows the same budget system and allows you to link bank accounts.
Back to top
YNAB, for hands-on zero-based budgeting
Why we recommend it: YNAB is designed so that users plan ahead for their financial decisions, rather than track past transactions. This app follows the zero-based budgeting system, which has you make a plan for every dollar you earn.

As soon as you get paid, you tell YNAB how much of your income should go toward various categories, including expenses, goals and savings. The idea is that you become more intentional with your money when you’re prompted to actively decide what to do with it.

With all this decision making, YNAB is about as hands-on as you can get. To help users trek up that learning curve, YNAB’s website offers many educational resources describing exactly how to budget and use the app.

YNAB allows you to link your checking and savings accounts, as well as credit cards and loans. The app works on the phone, desktop, iPad, Apple Watch and Alexa.

Why you may want to think twice: You have to be committed to keep up with YNAB. By design, it works best for users who want to get hands-on while planning for their money. Also, compared to the other apps that made our list, its price is high, and its Google Play ratings are low.

Cost: Pay either $14.99 per month or $98.99 per year, although you can try it out in a free 34-day trial. College students can use YNAB for free for a year.

Apple store rating: 4.8

Google Play rating: 3.2

Back to top
EveryDollar, for simpler zero-based budgeting
Why we recommend it: This apps offers a zero-based budgeting framework that’s simpler (and perhaps easier to manage) than YNAB.

First, an explanation of the names: EveryDollar is a free budgeting app. But, to get the app’s extra features, you must become a Ramsey+ member. In addition to a beefed-up version of EveryDollar, a Ramsey+ membership includes other, off-app features, such as audiobooks and courses.

The free version is simple, in part because you don’t sync accounts. You manually enter incoming and outgoing money throughout the month. You also categorize line items in your budget and set reminders for bill payments.

If you sign up for Ramsey+, you can connect your bank accounts so it’s simpler to track transactions. You can also track debts, see reports on how you spent your money and print your transaction history.

Why you may want to think twice: The free version of EveryDollar is pretty bare-bones, and the Ramsey+ membership is more expensive than any app on our list. Also, the app’s website offers few resources to help you understand how to use the app before signing up for a trial.

Cost: The basic version of EveryDollar is free. To access more features, you must join Ramsey+, which you can try for free for 14 days. After the trial, you can pay $59.99 for three months, $99.99 for six months or $129.99 for 12 months.

Apple store rating: 4.8

Google Play rating: 4.2

Back to top
Personal Capital, for tracking wealth and spending
Why we recommend it: Personal Capital is primarily an investment tool, but its free app includes features helpful for budgeters looking to track their spending.

You can connect and monitor checking, savings and credit card accounts, as well as IRAs, 401(k)s, mortgages and loans. The app provides a spending snapshot by listing recent transactions by category. You can customize those categories and see the percentage of total monthly spending each category represents.

Personal Capital also serves up a net worth tracker and portfolio breakdown. The app can be accessed through both phone and desktop.

Why you may want to think twice: If your goal is to plan out your spending and saving, you may want to go another route. This app’s budgeting features helped it make the list, but its investment tools are what make it unique. Other apps have more in-the-weeds budgeting capabilities.

Cost: Free

Apple store rating: 4.7

Google Play rating: 4.4

Nerdy tip: Another app worth checking out is Copilot (iOS only). That app tracks investments, in addition to tracking and categorizing expenses.
Back to top
PocketGuard, for a simplified budgeting snapshot
Why we recommend it: PocketGuard’s catalogue of features isn’t the most robust on our list, but that’s part of why we like it. The app is big on simplifying.

You can connect your bank accounts, credit cards, loans and investments and track bills. With that intel, the app shows how much you have left to spend after setting aside funds for necessities, bills and goals.

PocketGuard also tracks your net worth and gives you the option to not link your accounts and instead track your finances manually. The paid version, PocketGuard Plus, offers a debt payoff plan, the option to export your transactions and other features.

Why you may want to think twice: This app does a lot of work for you. That’s good for a mostly hands-off experience, but less so if you want to plan for your money. Also, a heads up for Android users: PocketGuard also has one of the lowest Google Play scores in our list of best budget apps.

Cost: Basic PocketGuard is free. PocketGuard Plus is $7.99 per month, $79.99 per year or $99.99 for a one-time lifetime purchase.

Apple store rating: 4.7

Google Play rating: 3.6

Back to top
Honeydue, for budgeting with a partner
Why we recommend it: Honeydue is designed so you and your partner can view both your financial pictures in one app. Both partners can sync bank accounts, credit cards, loans and investments. (Although you can choose how much you share with your significant other.)

The free budget app automatically categorizes expenses, but you’re also able to create custom categories. Together, you can set up monthly limits on each of these categories, and Honeydue will alert you when you or your partner is nearing them.

Honeydue also sends reminders for upcoming bills and lets you chat and send emojis.

Why you may want to think twice: Like a few other apps on our list, Honeydue leans more toward reflecting and learning about past transactions, rather than planning ahead for expenses.

Cost: Free

Apple store rating: 4.5

Google Play rating: 4.0

Nerdy tip: Zeta Money Manager and Firstly (previously Honeyfi) are also designed for multiple people to see their finances in one app.
Back to top
Fudget, for budgeting without syncing accounts
Why we recommend it: Consider Fudget if you’d rather not sync financial accounts and would prefer a straightforward, calculator-esque interface over fancy features.

In Fudget’s ultra-simple design, you make lists of incoming and outgoing money and track your balances. There aren’t even any budget categories. The Pro account allows you to also export your budget, along with other extras.

Fudget, which is new to our best budget apps list, has a Google Play rating that’s higher than any of the other apps we reviewed and an App Store rating that ties for the highest score with a few other picks.

Why you may want to think twice: This app is likely too simple for you if you’d prefer categorization of expenses, insights or just about anything else besides the basics. And if you don’t have it in you to log every expense, it’s likely best to look elsewhere. We also didn’t find much in the way of user guides.

Cost: Free for Fudget; $3.99 one-time purchase to upgrade to Fudget Pro.

Apple store rating: 4.8

Google Play rating: 4.6

Back to top
Budgeting resources from NerdWallet
NerdWallet has a free app that lets you track your cash, see your net worth and debt, and track your credit score. We chose not to include ourselves in the list above in order to present an unbiased view.

Before you build a budget
NerdWallet breaks down your spending and shows you ways to save.

We also offer other options you can try:

Use a free budget worksheet to record your expenses.

Explore online budget templates for a quick check of your finances.

Estimate how to divide your monthly income using the 50/30/20 rule.

Read a budgeting book.

Try an expense tracker app.

Back to top
Methodology to identify the best budget apps
To come up with the lists above, we first reviewed 18 money apps. We appreciated apps that allowed users to do the following:

Sync several types of financial accounts (and opt out of syncing).

Plan ahead for financial decisions versus simply tracking past transactions.

See their expenses categorized and create custom categories.

Track bills and receive alerts for upcoming due dates.

Share financial information with partners.

Access the app via both the mobile app and desktop.

We also gave unofficial bonus points for nice-to-have features, such as showing credit score and net worth, as well as tracking investments. We noted apps that were free or relatively inexpensive.

The experiences of real users matter, too. So we read reviews of the apps in the iOS App Store and Google Play, noting complaints and kudos. We only included apps that received at least 4.5 stars (out of 5) in the iOS App Store or on Google Play, as well as at least 1,000 reviews. Those ratings were pulled on Dec. 15, 2021.


Free Budget Planner Worksheet
How to Choose the Best Personal Finance Software and Apps
Free Budget Spreadsheets and Budget Templates
7 Practical Budgeting Tips to Help Manage Your Money
Money Management: 4 Tips for Mastering Your Finances
by NerdWallet
Read more

Budget Calculator
by NerdWallet
Read more

Budgeting 101: How to Budget Money
by Bev O’Shea, Lauren Schwahn
Read more

Make all the right money moves
Social impact
Diversity & Inclusion
Editorial guidelines
Editorial team
Press kit
Help center
Support team
Security FAQs
Terms of use
Privacy policy
California privacy policy

Do not sell my personal information
Learn more about the app
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses

NerdWallet Compare, Inc. NMLS ID# 1617539

NMLS Consumer AccessLicenses and Disclosures

California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812

NerdWallet USA
NerdWallet UK
NerdWallet CA
© 2022 NerdWallet, Inc.
All Rights Reserved.


Let us know your thoughts in the comment section below.

Check out other publications to gain access to more digital resources if you are just starting out with Flux Resource.
Also contact us today to optimize your business(s)/Brand(s) for Search Engines

Leave a Reply

Flux Resource Help Chat
Send via WhatsApp