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10 Best Budgeting Apps for Android and iPhone

Budgeting apps are not only meant for those who look for investment options. They can be helpful to almost everyone to improve their savings. Money management apps make it very easy to create a budget and stick to it.

A budget planner app can offer you a stream of financial tools. Here are some of the best budgeting apps for Android and iPhone.

Toshl Finance

Toshl Finance

Toshl Finance is a powerful tool to track your bank accounts, credit cards, and cash. It supports over 14,000 banks, credit cards, or financial services in the US. You can easily link your account to the app or enter transactions via fields or excel files.

It is effortless to attach tags and descriptions to the entries in Toshl Finance. You can also set up bill reminders with notifications using the best budget app. Toshl Finance supports more than 200 currencies.

It keeps the data updated with the latest exchange rates as well. You can even manage up to 30 different cryptocurrencies using the app. Toshl Finance has insightful graphs to give you a complete picture of your money flows.

All these features help to maintain your budget goals. You can also filter budgets by categories, tags, or accounts for easier tracking. The app also sends alerts when you approach your budget limits.


  • Friendly Interface
  • Graphs and charts
  • Foreign Currency support
  • Smart Notifications


  • Need to pay for 3+ account management
  • Limited features on mobile

Key Features:

  • Free and premium versions
  • Insightful graphs with pie charts and expense locations map
  • Supports foreign currencies
  • Best budget app for managing cryptocurrencies
  • Bill reminders and smart notifications

Download: Android | iPhone (Free, In-App Purchases)

Also Read: Best Budget Apps for Couples to Manage Personal Finance


Wallet - Money, Budget, FinanceThe Wallet is a leading name among money management apps. It helps you save money and make robust financial plans for the future. The personal finance manager app allows you to see all your financial details in one place.

You can track your income and expenses on the Wallet app. You can analyze your spending daily, weekly, or monthly using Wallet. The automatic bank syncing makes it easy to track your transactions in real-time.

The Wallet also supports importing your transactions and updates. You also get insightful reports on your accounts in the app. This gives you better control over your accounts to improve your savings.

The Wallet allows you to create flexible budgets so that you can meet your goals. You can also share selected accounts with your family members and across devices. The Wallet also comes with automatic cloud sync and geo-mapping transaction features.


  • Customizable options
  • Share financial stats with family
  • Real-time sync


  • No accurate spend breakdown
  • Need to pay for the full features

Key Features:

  • Free to use with in-app upgrade options
  • A complete overview of all the financial data
  • Real-time bank transactions syncing
  • Easy to create flexible budgets
  • Impressive reporting tools

Download: Android | iPhone (Free, In-App Purchases)


Goodbudget Budget and FinanceGoodbudget is one of the most popular budgeting apps for expense tracking. It works on the envelope system to make home budget planning easier. You can track your account balances with real-time sync using the app.

The best budget app also helps you to save for the future needs with the Goal and Annual envelopes. It is very easy to manage scheduled transactions on Goodbudget. You can split spending transactions and save time by dividing the expenses.

It is also possible to transfer funds between different envelopes and accounts. You can create a budget for any preferred period for simpler tracking as well. It allows editing the budget as needed too.

Goodbudget gives you insightful reports to analyze your spending habits. You can watch cash flow by comparing the income vs. expenses report. The app supports importing bank account statement in QFX and OFX formats as well.


  • Smart tools for savings
  • Split transactions
  • Insightful reports


  • No auto-sync with the bank account
  • Too basic features on free versions

Key Features:

  • Free and premium plans
  • Envelope budgeting system
  • Smart tools for improving savings
  • Easy to split transactions and categorize expenses
  • Insightful reports for better analysis

Download: Android | iPhone (Free, In-App Purchases)


Mint AppMint is a free budget planner app for Android and iOS users. It allows you to manage all your finances in one place. You can link your bank accounts, credit cards, and investment portfolios in the app. This way, you can keep an eye on all your financial activities.

It is also possible to track your bills using Mint. You can monitor your dues alongside your account balances. Thus, you can ensure a timely settlement. You can also set bill payment reminders using the app.

There is an option to check your credit score for free as well. Mint supports syncing your bank accounts, credit cards, budgets, and more across devices. Mint allows you to create budgets based on your spending. This helps to monitor your expenses wisely.

You do not have to log into multiple sites to manage your accounts. This helps to save a lot of time to keep track of your finances. Mint even comes with multi-factor authentication to keep your data secure.


  • Periodic summaries
  • Easy for budgeting
  • Credit score tracking


  • No investment options
  • Limited report generation
  • Cannot import QIF/QFX files

Key Features:

  • A complete look of financial accounts
  • Easy to create budgets
  • Bill payment reminders
  • Free credit score check
  • Multi-factor authentication

Download: Android | iPhone (Free, In-App Purchases)

Related: Best Personal Finance Software for Mac


Prism Pay BillsPrism is a free budget planner app that allows you to tracks bills and transactions. You can see your income, expenses, and account balances in one place using the app. It can also send alerts and reminders for payment due dates. That way, you will never miss a bill settlement deadline.

The reporting tools in Prism are also quite good. You can review the graphs and charts of your finances. This comes handy to watch your expenses. Besides, it also saves the bill payment history, so that you can analyze them later if needed.

You can choose from a full bill list view or a calendar and payment view in Prism. This allows you to schedule your bill payment via the app. Prism also protects all your data with 256-bit AES encryption. That way, your sensitive data is always secure.


  • All bills at one place
  • Easy to use
  • Data encryption
  • Does not support all bills
  • Cannot display individual original bills

Key Features:

  • Free to use
  • One of the best money management apps for bill tracking
  • Easy-to-understand graphs and reports
  • Supports direct payment to billers and banks
  • Advanced data encryption and protection

Download: Android | iPhone (Free)


Expensify - Expense ReportsExpensify is a simple budget planner app that allows you to manage expenses on the go. Upload an image of your receipts. The app will transcribe the details. You can also code each receipt for better tracking.

It is also very easy to automate cost management with Expensify and keep track of receipts. You also get automatic credit card import features in the app. Besides, it also supports corporate card reconciliation and employee reimbursement.

Expensify supports receipts in foreign currencies as well. This makes it a handy tool to use for managing different accounts. It does not allow creating any budgets. But, it does help in proper tracking of your receipts.

You can ensure that you always stay on top of your financial accounts. Moreover, Expensify supports integration with many third-party accounting software apps too. This makes money management easy.


  • All bill tracking
  • Easy to use


  • Issues with credit card sync
  • Fully paid app

Key Features:

  • Pricing starts at $4.99 per month
  • 30-day free trial available
  • Ideal for receipt tracking and management
  • Automatic credit card import features
  • Integrates with third-party accounting software

Download: Android | iPhone (Freemium, $4.99/mo)


Spendee - Budget and Expense TrackerSpendee is one of the newer money management apps that allow you to track your income and expenses. You can link your bank accounts to the app to sync transactions.

You can categorize bank accounts and focus on the most important transactions. It can also manage your household budgets. It even supports foreign currencies and many bank accounts. This way, you can know where your money goes and improve your savings.

Spendee also comes with a smart bill tracker to help you settle the dues in time. You can also create budget goals in the budget planner app. It can be for different categories or a budget to track your spending. Spendee allows creating shared wallets for the family as well.


  • Easy to use
  • Shared wallet
  • Smart bill tracking


  • Complex infographics

Key Features:

  • Free and premium versions available
  • Best budget app for couples
  • Shared wallets for the entire family
  • Easy to categorize bank accounts and budgets
  • Smart bill tracker for timely payments

Download: Android | iPhone (Free with Ads, In-App Purchases)

Also Read: Best Investment Apps for Beginners and Pros


Dollarbird - Personal finance calendarDollarbird is the best budget app for financial forecasting. You can track your money and plan for the future using the app. Dollarbird comes with a slick calendar-based interface. This allows you to add, watch, and visualize your transactions.

It can also organize your entries quickly. The finance manager app comes with automatic balance calculation tools. This gives a breakdown of your transactions.

You can also use the app to manage your family budget and add collaborators for that. Dollarbird saves your data in the cloud. This helps to keep it secure and synced across your devices.

The app learns from your transactions over time. This makes classification easier. Thus, it helps in improving financial forecasting. That is why Dollarbird is also used by business users to manage their accounts.


  • Suitable for businesses
  • Calendar view is excellent
  • Financial forecasting for upcoming expenses


  • Need to enter transactions manually
  • No upcoming due alerts

Key Features:

  • Free and premium plans available
  • Ideal budget planner app for financial forecasting
  • Insightful calendar-based interface
  • Automatic balance calculation tools
  • Allows adding collaborators for budget management

Download: Android | iPhone (Free, In-App Purchases)

Clarity Money

Clarity Money - Manage Your BudgetClarity Money is one of the advanced budgeting apps that use machine learning. The app analyzes your personal finances and spending habits. This way, the app helps you to make smarter decisions for better money management.

It is very simple to link your financial accounts with Clarity Money. It supports all major financial institutions, such as Chase, Wells Fargo, Citi, and more. This allows you to track your savings, debt, and investment accounts from one place.

Clarity Money helps you to understand your spending patterns. This helps to change your habits as necessary. You can plan budgets and track all your expenses with the app too.

It even allows you to cancel any subscriptions that you are not using. You also get 256-bit SSL encoding to secure your data in the app. It also requires a 4-digit pin to access your financial data.


  • Financial product recommendation
  • Budget creation
  • Bill organizing


  • Fewer customization options
  • Does not support all banks

Key Features:

  • AI-powered suggestions for better money management
  • Impressive bill organizing features
  • Automated expense tracking
  • Supports creating budgets
  • Best budget app to manage subscriptions

Download: Android | iPhone (Free)


PocketGuardPocketGuard is one of the leading money management apps in the US. It is an easy-to-use personal finance tool, which can make budgeting effortless. You can use the app for managing multiple bank accounts, credit cards, and debit cards.

All the data will be is accessible from a single dashboard. It also allows you to track your expenses, pay bills, and do a lot more. You can also sync your loan accounts and investment portfolios with PocketGuard. This gives you a clear picture of your financial reports.

It is very easy to monitor your income and expenses with the app. PocketGuard allows comparing spending habits month-by-month as well. That way, you can know where your money is going.

The budget planner app supports creating different budgets. You can also set up notifications for low account balances. This helps to establish realistic saving goals. That way, you can achieve them by monitoring your spending habits.

PocketGuard also alerts you about upcoming credit card bills and loan payments. You also get notified when the bank charges a fee on your account.


  • Multiple budget support
  • Compare monthly spendings
  • Multiple bank account support


  • Ads based on your spending data

Key Features:

  • Free to use with in-app options to upgrade
  • Allows creating different budgets
  • Supports linking multiple bank accounts
  • Smart notifications for dues and charges
  • Easy to compare monthly spending habits

Download: Android | iPhone (Free, In-App Purchases)

Related: Best Money Transfer Apps for Android and iPhone

As you can see, all the money management apps come with various features. So the best budget app for you is based on your need. If you are starting with budget planning, you can try a free-to-use app.

If you want a few advanced tools of the best budget planning apps, you could try free versions of premium ones too. The above budgeting apps are a great way to perk up your money management skills.

Disclosure: Mashtips is supported by its audience. As an Amazon Associate I earn from qualifying purchases.


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