The Best Personal Finance Budget Software with Apps (In 2020)

AccountMe describes itself as just like corporate accounting, with a few twists. Specifically, tracking your expenses in a personal budget needs a little more nuance than traditional GAAP accounting allows. So AccountMe divides your expenses into three categories: Necessary Fixed Expenses, Necessary Variable Expenses, and Discretionary Expenses.

2

Empower

One way to describe Personal Capital’s budgeting software is an “account aggregator.” This program allows you to track and understand every single penny in all of your financial accounts. Once you link up all of your various accounts, including your bank accounts, investments, mortgage, credit cards, and any other accounts, Personal Capital summarizes your finances and offers you basic investment guidance. More info…show

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Marcus by Goldman Sachs

After you download the app onto your Android, iPhone, or other Apple device, you then connect your accounts to Clarity. The program analyzes your spending data before making suggestions to you on how you can optimize and save your money. Clarity Money is able to do this through their Bill Cancellation service, which identifies wasteful recurring charges and will cancel those services for you.

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4

Mint

When you sign up with Mint, you provide the program with all of your financial accounts, including bank accounts, investments, retirement funds, credit cards, 529 accounts, and even real estate purchases. Mint allows you to see all of your financial information in a single dashboard, which also calculates your net worth. More info…show

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5

Clarity

After you download the app onto your Android, iPhone, or other Apple device, you then connect your accounts to Clarity. The program analyzes your spending data before making suggestions to you on how you can optimize and save your money. Clarity Money is able to do this through their Bill Cancellation service, which identifies wasteful recurring charges and will cancel those services for you.

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6

Quicken

Quicken is the great-granddaddy of personal finance software–it was first introduced back in 1983. Though Quicken was owned by Intuit until a few years ago, the current version, Quicken 2019, has all the familiar tools and offerings that anyone who cut their teeth on the Intuit versions are used to. More info…show

#Personal Finance #Finance #Financial Planner 12 social mentions

7

Zeta

You can link most financial accounts to Zeta securely, including investment accounts. This allows you to see a full picture of your financial health in one place. Zeta also helps couples that share financial responsibilities but don’t have shared accounts. It allows you to split transactions, like a rent payment. You also can control what your partner sees if you have separate accounts. Other features include:

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8

Pocketsmith

Pocketsmith is a calendar-based financial planner that allows you to look at your upcoming spending, set goals, track your expenses, and pull reports that show you exactly where you stand financially. It will help you maintain a focus on cash flow forecasts while setting goals that help you reach your savings and debt reduction goals. You can add actual spending data from your bank account to help shine a light into areas you may be over-spending or under-budgeting.

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AccountMe describes itself as just like corporate accounting, with a few twists. Specifically, tracking your expenses in a personal budget needs a little more nuance than traditional GAAP accounting allows. So AccountMe divides your expenses into three categories: Necessary Fixed Expenses, Necessary Variable Expenses, and Discretionary Expenses.

10

YNAB

YNAB believes that in order to successfully budget, you need to be hands-on with your money. Until the version released in December 2015, users had to manually enter all transactions–although the program and its companion apps for iPhone, iPad, and Android devices made this very easy. This also means that YNAB is one of the few programs that easily allows users to track cash spending.

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11

Qube Money

Cons: The fact that you are unable to use your Qube Money debit card if you do not have your phone available could be problematic. Qube Money recommends taking a separate pay card to alleviate this concern.

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The basic Mvelopes program costs $4 per month or $40 per year if you pay all at once. The next tier is Mvelopes Plus, which costs $19 per month or $190 per year. This program offers everything in the Basic version, but also offers access to a debt reduction plan and guidance and a quarterly check-in from a personal finance trainer. The Mvelopes Complete version costs $59 per month, or $149 per quarter, or $549 per year. If you sign up for the Complete version, you get monthly one-on-one sessions with a personal finance trainer, a customized financial plan, and full access to all the budgeting tools on the platform.

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13

EveryDollar

Creating the budget is the easiest part. From there, it is up to you to input all of your transactions manually. (EveryDollar Plus, which costs $129 per year, will automatically import transactions for you.) There are both iPhone and Android apps available to make inputting transactions simple while you are out and about. One common complaint about EveryDollar is that it does not allow users to create recurring transactions, which can cause you more work as you try to reconcile your transactions with your budget.

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AccountMe describes itself as just like corporate accounting, with a few twists. Specifically, tracking your expenses in a personal budget needs a little more nuance than traditional GAAP accounting allows. So AccountMe divides your expenses into three categories: Necessary Fixed Expenses, Necessary Variable Expenses, and Discretionary Expenses.

AccountMe describes itself as just like corporate accounting, with a few twists. Specifically, tracking your expenses in a personal budget needs a little more nuance than traditional GAAP accounting allows. So AccountMe divides your expenses into three categories: Necessary Fixed Expenses, Necessary Variable Expenses, and Discretionary Expenses.

16

Joy

Currently, Joy is only available for iPhone users but has a waitlist for anyone using Androids. Once you download Joy onto your iPhone, you will be prompted to answer a set of questions. These questions determine your personality type and your money philosophy in order to better understand you and to help you reach your financial goals. You are then paired with a money coach based on the answers you provided. Your money coach will help guide you to take control of your finances.

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Pennies

Pennies is a very intuitive iPhone app that helps even the most absent-minded of spenders to stay on budget. Pennies allows you to set a number of budgets (such as monthly fun money, weekly food spending, and the like), with a start date, length of budget term, and the amount available to spend. Each time you make a purchase, you enter the amount into Pennies, which will show you the number of dollars and days remaining in that particular budget. More info…show

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AccountMe describes itself as just like corporate accounting, with a few twists. Specifically, tracking your expenses in a personal budget needs a little more nuance than traditional GAAP accounting allows. So AccountMe divides your expenses into three categories: Necessary Fixed Expenses, Necessary Variable Expenses, and Discretionary Expenses.