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Top 10 Best Budgeting Apps of 2023

Top 10 Best Budgeting Apps of 2023

Budgeting is not about spending less, but about spend Right!

In a world of subscriptions and increasing rent and utility bills, it’s common to feel the money crunch much before the month-end.  One of the best solutions to avoid such a situation is to keep track of your spending and making a budget to plan your finances better. We know that maintaining a budget and keep track of expenses isn’t as easy as it sounds. So, here is a list of ten of the best budgeting apps available to keep track of personal finance which will help you out.

Top 10 Best Best Budgeting Apps of 2023

best budgeting apps


The Mint app is one of the oldest free budgeting apps for tracking personal finance and still features in this list. Trusted by many, it is one of the best–known budgeting applications out there. Owned by Intuit, the application provides several features to help you track and manage your money from a giant list of banks, credit card issuers, brokerages, lenders and other financial institutions.

Mint automatically categorizes transactions from linked credit and debit cards and tracks them against a budget you can tweak and customize to your needs. Get alerts when you go over budget, and track by category or look at your overall cash flow to get a well-rounded picture of where your money goes each month.

Also read: What is the Transfer Price Accounting


Sometimes, we tend to learn things the hard way, and that is exactly the rule this application follows. Qapital is a clever, rule-based, automatic savings app. The app functions in a manner where you link it with your checking account and select a savings goal then set up IFTTT(if this, then that) rules to trigger the transfer of money every time you do something specific. E.g. – it transfers a $5 into your savings every time you shop at Walmart, Starbucks or any such store.

YNAB-You Need a Budget

This application has only one aim – to stop you from living paycheck to paycheck, get out of debt, and save more money.  The application supports bank syncing, through which you are able to connect with all your bank accounts in one place. The application provides real-time info and is perfectly suitable for any individuals or couples to stick to the budget and not end up overspending.

YNAB divides the entire income to be used for different purposes like debt payment, utility bills etc.  It also helps you to set a goal and achieve it and then do it all over again.

Pocket Guard

As the name suggests, this one is like a guard to keep a check on your pocket and your spending. This app is one of the easier ones to set up. It connects to your bank accounts and tracks your monthly income, bills, expenses, and savings as you go. 

Pocket Guard looks out for recurring bills like phone, TV and Internet companies, for example, and helps you find a better deal on your monthly service costs. Not only does it help you track your budget, it helps you lower your spending!

Personal Capital

There are times when you may find yourself in a fix, finding it difficult to be on top of your investments, stocks, retirement savings,  bank accounts and also the monthly spending. For such needs, Personal Capital is the multi-platform financial portal for it is compatible with wearables. This app can also compare your stock returns compared to the market in real time.

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This application turns your budget into a calendar for an easy viewing, understanding, and tracking. So, if other applications with their spreadsheets and charts don’t work out for you, this might just be the app you were looking for.  It’s incredibly easy to use since you can use it just like a calendar. You can color code categories to quickly glance at what you’ve spent, track your expenses right from the calendar view, set bill reminders on the main screen, and even set up recurring transactions. At the end of the month, you can see all types of graphs showing how and where you spend money.

If you’ve struggled to get into the best budgeting apps in the past because they’re boring and tough to use, Dollarbird is worth a look.


There will be times you might want to use the ‘F’ word when it comes to managing money.  Fudget is an app that stops you from doing just that. Fudget’s less-is-more approach is a Zen-like take on managing your money.

You start off by creating an individual “fudget” (budget). There’s no limit as to how many fudgets you can make or what you use them for.

Creating monthly or weekly fudgets is the obvious choice, and daily budgets can help you tighten your wallet even further. There are no pre-populated expenses or expense categories. Everything is entirely up to you. Where Fudget really shines is that it lets you get creative with how you track your money. Make the most of the app by budgeting for specific tasks. Manage your money for a vacation or business trip, or create a long-term fudget for the couple you always dreamt of owning.


This one got featured as “Best of 2017” by the GOOGLE play store. Still a new app on the market but it definitely has the potential to become one of the all-time Giants when it comes to the budgeting apps.

Clarity money uses Data Science and machine learning to analyze your personal finances and helps you make smarter decisions with your money.  The free-to-use app could help you save money, plan your budget, track your spending, keep an eye on your credit score, and manage all of your linked accounts in one easy to use place.


This app claims to not just track your spending but also fixing it. It makes use of the enveloping budgeting system, to do the same. Mvelopes is a solid personal finance tool for household budgeting. Bank syncing and automatic transaction categorization make it easy to stick to your envelope-based plan once you’ve created your budget. Once you get the hang of this application, it will quickly help you to take control of your spending and savings.


Wally is a free budgeting app available for Android and iOS that provides you with spending tracking and savings goals to help take control of your financial life. The app employs a simple UI intended to help you easily track what you are spending, earning, and saving. The UI helps make the app easy to use and understand.  This app even lets you tag contacts to each transaction, this way you know how much you spend when you are with certain people. The features like geotagging purchases are what make the app interesting and different from the others