Would you like to help you track expenses, pay off debt, and save money? Here is the list of Top 5 Best Personal Finance Apps in USA 2023, Best Budgeting Apps 2023.
Managing your money is no easy task, so once you’ve created a monthly budget and sticking to it can be vital to your financial success. So we bring you the Top 5 Best Personal Finance Apps in USA that can show you and track where you spend the most in each category.
The best personal finance apps also offer many features for managing overall finances. We are going to give you a list of the Top 5 Best Personal Finance Apps in USA 2023. All of them are available on both iOS and Android and can be used easily, so let’s get started.
Top 5 Best Personal Finance Apps in USA
- YNAB (You Need a Budget)
- Empower Personal Dashboard
- Mint
- Goodbudget
- PocketGuard
1. YNAB (You Need a Budget)
YNAB (You Need a Budget) is first on our list as it is a personal finance app that uses a zero-based budgeting method. It deserves the first place in the Top 5 Best Personal Finance Apps in USA. YNAB is available for both desktop and mobile devices.
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It offers a 34-day free trial, after which it costs $99 per year or $14.99 per month.
| Pros | Cons |
|---|---|
| Zero-based budgeting system | Monthly subscription fee |
| Shareable with one other person | Lack of investment tracking |
| Free 34-day trial | Can be a learning curve to get started |
2. Empower Personal Dashboard
Empower Personal Dashboard is second on our list. These apps are best suited for investors who want a holistic view of their finances. The app also provides its users with a variety of reports and visualizations that can help them understand their spending habits and track their investment performance.
It’s free to use with paid plans for additional features.
| Pros | Cons |
|---|---|
| Free to use | Can be overwhelming for new users |
| Detailed analytics of cash flow, budgeting, net worth and transactions | User interface is limited in customizations |
| Personal Capital Cash (interest-bearing, no-fee checking account) is available | Portfolio management service minimum balance is $100,000 |
3. Mint
Mint is a free personal finance app with over 25 million users and is one of the most popular budgeting apps. Mint Apps is easy to use and offers many features to its users, including account aggregation, budgeting tools, spending analysis, and credit score tracking.
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Mint uses bank-level security to protect your financial data and Mint is a completely free app to use.
| Pros | Cons |
|---|---|
| Free credit score tracking | Can be buggy |
| Free to use | Connectivity issues with some financial accounts |
| Easy to use interface | Ads within the app can be bothersome |
4. GoodBudget
GoodBudget helps its users in creating and sticking to a budget using the envelope system. Goodbudget Apps is available for both iOS and Android devices as well as a web interface.
There are many benefits of using Goodbudget such as envelope budgeting, real-time syncing, shared budget feature, and expense tracking (progress tracking). GoodBudget also offers a free version with limited features, with a paid version, GoodBudget Plus, costing $7/month or $70/year.
“Goodbudget is the best budgeting app I’ve ever used. It’s simple, yet effective. I love that I can use it to create a budget and track my spending all in one place.”
Sarah J., New York, NY
| Pros | Cons |
|---|---|
| Simple and effective envelope budgeting system | Lack of some advanced features, such as bill pay and investment tracking |
| Affordable paid version | You must manually add each purchase |
| Syncs across devices | Not as user-friendly as some other apps |
5. PocketGuard
PocketGuard which is the last pick in our list of Top 5 Best Personal Finance Apps in USA. It also helps users track their income, expenses and savings goals. PocketGuard which works by connecting to your bank accounts and credit cards to automatically track your spending.
PocketGuard also has a free version for beginners and can be used in its Plus version for $7.99/month, $34.99/year or $79.99/lifetime.
| Pros | Cons |
|---|---|
| Real-time spending availability for specified categories | Lack of some advanced features, such as budgeting and investment tracking |
| Good for tracking spending and identifying areas where you can cut back | PocketGuard website is challenging to navigate |
| Build custom budgets and set goals for savings | Not as comprehensive as some other apps |
Comparison of Top 5 Best Personal Finance Apps in USA
Here we have compared the Top 5 Best Personal Finance Apps in USA 2023 to give you an idea which one will be better for you:
| Company Name | Cost | Bank Sync | Free Trial |
|---|---|---|---|
| YNAB | $14.99/month or $99/year | Yes | 34 days |
| Empower Personal Dashboard | Free | Yes | Yes |
| Mint | Free | Yes | Yes |
| Goodbudget | Free (limited features) & $8/month or $70/year | No | Yes |
| PocketGuard | Plus is $7.99/month, $34.99/year or $79.99/lifetime | Yes | Yes |
Why Use the Best Personal Finance Apps in USA?
Because they can help you in tracking your expenses and making a budget. Can help you pay off debt, save money, invest money, protect your credit score and help you build wealth. Here we have provided the list of Top 5 Best Personal Finance Apps 2023 in USA.