Streamline Your Finances: The Best Budgeting Apps for 2025
Updated: Feb 14, 2025
Managing your finances doesn’t have to be overwhelming, thanks to a range of powerful budgeting apps available in 2025. Whether you’re saving for a big purchase, paying off debt, or just trying to stay on top of your expenses, these apps make it easier than ever to take control of your money.

1. Mint
- Best For: Comprehensive financial tracking.
- Key Features:
- Automatically syncs with bank accounts and credit cards.
- Tracks spending by category and alerts you when you’re overspending.
- Free to use, with occasional in-app ads.
- Why It’s a Top Pick: Mint remains a popular choice for its ease of use and robust tracking capabilities, making it perfect for beginners and experienced budgeters alike.
- Available On: iOS, Android, Web.
- Pro Tip: Use Mint’s bill tracking feature to avoid late payments.
2. YNAB (You Need a Budget)
- Best For: Building a proactive budget.
- Key Features:
- Focuses on giving every dollar a job to prioritize saving and debt repayment.
- Real-time budget updates across devices.
- Free trial for 34 days, then $14.99/month or $98.99/year.
- Why It’s a Top Pick: YNAB is ideal for those serious about budgeting and looking for a hands-on approach to managing money.
- Available On: iOS, Android, Web.
- Pro Tip: Take advantage of YNAB’s workshops and tutorials to get the most out of the app.
3. PocketGuard
- Best For: Simplifying spending limits.
- Key Features:
- Automatically calculates how much “safe to spend” money you have after bills and savings.
- Tracks subscriptions to help you avoid unnecessary charges.
- Free basic plan, with a premium version at $4.99/month or $34.99/year.
- Why It’s a Top Pick: PocketGuard is great for people who want a clear, straightforward view of their disposable income.
- Available On: iOS, Android.
- Pro Tip: Use PocketGuard’s subscription tracking to cancel unused services and save money.
4. Goodbudget
- Best For: Envelope-style budgeting.
- Key Features:
- Digital envelope system for allocating income to different categories.
- Syncs across devices for easy family budgeting.
- Free plan with 10 envelopes; premium plan is $7/month or $60/year.
- Why It’s a Top Pick: Goodbudget is perfect for users who prefer the simplicity of envelope budgeting without cash.
- Available On: iOS, Android, Web.
- Pro Tip: Use the premium version if you need unlimited envelopes or shared budgets for multiple users.
5. EveryDollar
- Best For: Users following Dave Ramsey’s budgeting principles.
- Key Features:
- Zero-based budgeting approach that allocates every dollar to a category.
- Syncs with bank accounts (premium version only).
- Free basic plan, premium plan at $12.99/month or $79.99/year.
- Why It’s a Top Pick: EveryDollar aligns with users committed to following a structured, debt-free financial plan.
- Available On: iOS, Android, Web.
- Pro Tip: Use the free version if you’re manually inputting transactions; upgrade to premium for automatic syncing.
6. Personal Capital
- Best For: Tracking investments alongside budgets.
- Key Features:
- Comprehensive financial dashboard combining budgeting and investment tracking.
- Retirement planning tools and personalized wealth management advice.
- Free for basic tools; fees apply for wealth management services.
- Why It’s a Top Pick: Personal Capital is ideal for those balancing daily budgets while focusing on long-term financial goals.
- Available On: iOS, Android, Web.
- Pro Tip: Use the retirement planner tool to assess your future savings needs.
7. Zeta
- Best For: Couples and families.
- Key Features:
- Designed for joint budgeting with features like shared expense tracking and bill splitting.
- Allows syncing of individual and joint accounts.
- Free to use, with premium features in development.
- Why It’s a Top Pick: Zeta is perfect for partners managing shared finances or tracking expenses for a household.
- Available On: iOS, Android.
- Pro Tip: Use the app’s chat function to coordinate financial goals with your partner.
8. Simplifi by Quicken
- Best For: Tracking cash flow and long-term goals.
- Key Features:
- Monitors spending, subscriptions, and cash flow.
- Customizable spending plans for monthly expenses.
- $5.99/month or $47.88/year after a free trial.
- Why It’s a Top Pick: Simplifi offers a balance between robust tracking and user-friendly design, making it a strong all-around app.
- Available On: iOS, Android, Web.
- Pro Tip: Use Simplifi’s goal-setting feature to stay on track for big financial milestones.
9. Honeydue
- Best For: Couples managing shared and individual expenses.
- Key Features:
- Syncs multiple accounts to track shared and personal finances.
- Customizable expense categories for transparency.
- Free to use, with optional in-app upgrades.
- Why It’s a Top Pick: Honeydue fosters open communication about money, perfect for couples working together toward financial goals.
- Available On: iOS, Android.
- Pro Tip: Set up automated bill reminders to avoid late fees on shared expenses.
10. Empower (formerly Truebill)
- Best For: Saving on subscriptions and negotiating bills.
- Key Features:
- Identifies and cancels unused subscriptions.
- Negotiates lower bills on your behalf for services like cable or internet.
- Free basic plan; premium plans start at $3/month.
- Why It’s a Top Pick: Empower’s bill negotiation and subscription tracking can help users save money effortlessly.
- Available On: iOS, Android.
- Pro Tip: Use Empower to review and renegotiate recurring charges to maximize savings.
How to Choose the Best Budgeting App for You
- Define Your Goals: Are you managing debt, building savings, or tracking investments? Your primary goal will guide your choice.
- Consider Features: Look for apps that offer the tools you need, like syncing accounts, goal tracking, or shared budgeting.
- Evaluate Costs: Free apps are great for basic budgeting, while premium versions often offer advanced features worth the price.
- Test Free Trials: Most premium apps offer trial periods—use these to explore features and see which app fits your style.
Final Thoughts
Budgeting apps in 2025 offer a variety of tools to suit every financial situation, from simple expense tracking to detailed investment analysis. Whether you’re a beginner looking for straightforward budgeting or an experienced investor balancing long-term goals, there’s an app tailored to your needs. By selecting the right app and using its features effectively, you can take control of your finances and achieve your goals with ease.