This app lets you get the complete picture of your finances. With that said, here are the top free budgeting apps for couples, families, singles, seniors, millennials and everyone in between. Most of them are entirely free, but there are some that offer premium services which will cost money. Apps listed in this section work for both Android and Apple devices. Here are some free apps you can use to save money. Bills Reminder, Payments & Expense Manager App NerdWallet: Credit Score, Budgeting & Finance 1Money – expense tracker, money manager, budget Bluecoins Finance: Budget, Money & Expense Manager Truebill Budget Planner, Bill Tracker, and Reminder Prism Pay Bills, Money Tracker, Personal Finance Personal Capital -Budgeting, Investing, Finance App Income vs Expenses – budget & finance manager Wallet – Finance Tracker and Budget Planner EveryDollar: Budget Tool and Expense Tracker Monthly Budget Planner & Daily Expense Tracker Money Manager: Expense Tracker, Free Budgeting App Money Lover: Money Manager, Budget Expense Tracker Honeydue: Budget, Bills & Money for Couples PocketGuard: Personal Finance, Money & Budget Spendee – Budget and Expense Tracker & Planner AlternativesĪpp-only banks such as Starling Bank and Monzo combine the logistics of a current account with the addition of handy budgeting features such as personalised spending analytics, the ability to separate your money into savings pots or spaces and automatic saving with spare change roundups as you spend. Monthly £1 fee if you want to invest your money. Pros: Helps you to save with little effort, also allows you to round up your spare change and earn interest on your savings.Ĭons: Have to pay to get some features that other apps offer for free, such as goal setting and cashback. Plum offers more than one plan and its premium options also offer the opportunity to invest your money as well as earn cashback, set savings goals and create saving spaces to separate your money.Ĭost: Plum Basic – free Plum Plus – £1 a month Plum Pro – £2.99 a month (free 30-day trial with both). It lets you know if you could be overpaying on your regular bills and suggests ways to save money. Plum takes budgeting one step further and does the hard work for you as it uses artificial intelligence to automatically calculate an affordable amount to save based on your spending pattern. Plum uses AI to automatically calculate an affordable amount to save. There is no Financial Services Compensation Scheme protection for any money you hold on the prepaid account. Features such as rounding up your spare change and scheduled payments mean you can maximise your saving.Ĭons: Yolt does not allow for weekly paydays. Pros: Encourages you to set spending budgets. Once you have connected your accounts, Yolt allows you to track your spending, see upcoming transactions, create budgets and set saving goals. Yolt allows you to organise all of your accounts in one place and you can take things one step further by using its prepaid debit card for everyday spending. Desktop version also available.Ĭons: Takes time to set up and its automatic spending categorisation could be better. Pros: In-depth budgeting analysis with personalised categories based on your individual spending. The level of customisation in the app is ideal for those with accounts and investments across a range of providers. Money Dashboard also graphs your projected monthly spending with a predicted balance at the end of the month. These include customisable categories for your spending – for example, you may want to group together all payments for presents around Christmas – and the option to add accounts manually. Offers most of the same features as Emma Pro but at no cost. Cashback and rewards for spending with certain retailers such as the Body Shop, B&Q, Gousto, Boots and more.Ĭons: A bit gamified and the push to subscribe to Emma Pro can become annoying. Good for: Beginners and managing subscriptions.Ĭost: Emma – free Emma Pro – £59.99 a year, with the first seven days free.
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