With increasing tech dependency, mobile finance apps have become an essential component for managing modern life. Our financial decisions such as – budgeting, saving, spending, and investing – affect our financial health in both present and future. Times have gone when it used to be a challenging task to keep track of your financial activities. Today’s mobile apps make these chores easy and fun. Personal finance apps help us remember to pay bills, keep an eye on account balances, and stay within our budgets—things we need to do daily and for which we often need reminders. So, why would you spend an hour every day working on a budget plan, when the best personal finance apps automate much of it and alert you to costly money mistakes before they happen?

Here are the best personal finance apps that can turn your iPhone or Android into a personal finance advisor. These would help you know when to spend money, identify where you waste money, and how you can get rich by budgeting your money:

1. Mint: Personal Finance & Money:


This app allows you to track, budget and manage your money in one place so you can see where you’re spending and where you can save. You add bank, credit, loan and retirement accounts, and Mint automatically pulls in and categorizes all of your transactions. It helps you to create a personalized budget plan by linking with your bank account details.

It takes all possible security measures to secure your account and data. It alerts you against unusual charges and helps identify tips customized to your spending that can help you reduce the money you spend on fees and on other bills. Also, bill reminders and alerts help ensure bills are paid on time.

Price: Free
Availability: Android / iOS

2. Level Money:


This app helps you stick to a budget by showing you what you can spend today, this week and this month. The Level Money app can detect your income and expenses and then show you what you can spend. It tells you how much you can afford to spend day-to-day, as well as how much money you can sock away.

The app also helps you figure out how to save for bigger purchases or pay down debt. There are goals for spending and saving, plus a planning component to help you stick to your goals without the hassles of a normal budget.

Price: Free
Availability: Android / iOS

3. Pocket Guard:

pcket guard

PocketGuard is an all-in-one bank account tracking and budget management app that shows you how much you’ve got in your accounts, as well as how much you can afford to spend for the day. The app connects to your bank and card accounts through an encrypted, read-only connection, allowing you to quickly view the status of your accounts and transactions while remaining secure.

The app analyzes your spending to identify recurring payments that you need to plan for and can identify your income so that you have a good idea of your cashflow. Simple charts outline where you spend your money, and a tap shows what you are spending in each catagory. This is an essential tool in finding places to cut back and to optimize your purchases.

Price: Free
Availability: Android / iOS

4. Good Budget:

Good Budget

This app encompasses a digital envelope budget system that helps you manage your finances without the need to carry a stack of envelopes. It’s an envelope budget for the digital age. Your budgets sync across all of your devices from iPhone to Android. The app can help you learn how to save for big purchases and put that plan while execution.

Price: Free
Availability: Android / iOS

5. Wally:


Wally is an expense tracking app that shows a complete picture of your expenditures. You can view how much you’ve spent daily, weekly, or monthly, while dividing expenses into separate categories. The best part about the app is that it allows you to simply scan your receipts and it’ll automatically input all the details of your purchase.

That way, users don’t have to go through the hassle of typing in every detail of its spending, while the app saves all the receipts. Neat features include social and location tools for your expenses, allowing you to record not only how much you spend, but also where and with who, as well as detailed infographics of your spending.

Price: Free
Availability: Android / iOS

6. Pocket Expense:

pocket expense

This app helps you to keep track and understand your personal finances. You can input and manage multiple accounts, and view daily, weekly, monthly, yearly or overall statistics, including each account’s real-time balance.

The budget tracker feature supports multiple budgets and shows your income and expenses in a chart format. Set a spending limit and see how much money is left until your budget is gone. You can track bills, set alerts to remind you of which bills are almost due (or overdue), and pay bills in full or in part.

Price: Free
Availability: Android

7. Spendee:


This app helps you figure out how you are spending your money. This is a very important part of making better money decisions and setting up a budget. It has an easy to use interface that helps you to figure out where you are spending money. Track your cash and credit or debit purchases with just a few swipes.

Price: Free
Availability: Android / iOS

8. Home Budget with Sync:

Home Budget with Sync

With this app, you can sync a personal budget between all of your devices. It lets you share between family members and between your devices, so you are able to see the same budget on all of your devices.

This is a good option for users who want to do a lot of manual manipulation. This is not the best budgeting app for every user, but for those who want control, it is an excellent choice.

Price: Rs. 370
Availability: Android / iOS


Download these best budget apps to help you save money, manage the budget for upcoming expenses and also avoid the fee that comes from overdraft or late fees. Managing budget is no small task, but with these budgeting and money apps for iPhone and Android, you keep your finances under scrutiny.