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DIRECTORY OF FINANCE APPS

Welcome to our directory of personal finance apps! Covering the best apps in saving, budgeting, cashback, rewards, net worth tracking, and more - as recommended by our financial blogging community (and continually updated). Click on any category to sort, or use our "search" feature below to help you find a specific app. If you're a $$$ blogger and want to recommend any other apps not listed (or want to chime in with thoughts on those that are) take our poll here and we'll be sure to incorporate it. Hope this helps!
All Budgeting Calculator Cashback Credit Score Cutting Expenses Debt Goals/Motivation
Investing Money Management Net Worth Rewards Saving Sending/Receiving Money
Showing all 55 apps
App Summary
A great way to visualize your entire financial picture in one spot. Connect up your accounts one time, and get immediate insight into your spending, income, investments, and our personal favorite - net worth. It's a turbocharged Mint.com, only geared towards investing more so than budgeting.
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Money Management, Investing, Net Worth
Mint [ Free ]
Now over a decade old with 20 million users, Mint is the OG of financial technology and designed to help you track all of your finances in one main app. Mint automatically imports all of your transactions, categorizes them for you, displays pretty graphs highlighting trends in your spending and income, sets up alerts to detect anomalies in your financial patterns, and tracks not only your bills and credit score, but also that magical number that counts the most: your net worth. A great app to start with if you're new to managing your money.
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Budgeting, Money Management, Net Worth
YNAB (You Need A Budget) [ Free for 34 days, then $4.17/mo ]
YNAB is the ultimate app/software for budgeting. With a huge fan base and following, they've made the process of budgeting as easy and streamlined as possible - all aligned with their 4 Rules to finance: Give Every Dollar a Job, Embrace Your True Expenses, Roll With the Punches, and Age Your Money (i.e. being 30 days ahead). While their mantra is based on *manually* budgeting for ultimate effect, they have incorporated automation - particularly around importing transactions.
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Budgeting, Money Management, Net Worth
Venmo [ Free ]
Venmo is the easiest way to send and receive money between friends. Whether you’re splitting a dinner bill, the rent check, concert tickets, or the cost of a road trip, Venmo removes the awkward talks over who owes what and allows you to transfer over money super fast. It's similar to PayPal, however Venmo integrates *social feeds* so you can "share" or "like" payments and purchases from friends as well.
Recommended by the following bloggers (See all reviews):

Categories: Sending/Receiving Money
Vanguard [ Free // Requires Vanguard account to access ]
This is the app to use for all Vanguard lovers and investors. Easily access and manage your Vanguard transactions here, check your balances, monitor performance, view account statements and messages, buy and sell funds, and generally stay informed using their portfolio analysis tools and other research resources. Requires you have an account set up with Vanguard, and offers Touch ID to iPhone users for even faster log-in. Vanguard is the leader (and originator!) of index funds. Founded by legendary investor, Jack Bogle. (And why Vanguard super fans are called "Bogleheads")
Recommended by the following bloggers (See all reviews):

Categories: Investing
Credit Karma [ Free ]
Credit Karma is your one-stop shop to monitor your credit score for free – as often as you want. Just login to your Credit Karma profile and your credit score is displayed. No clicking around. No hassle. Login and it’s there. (They use the new VantageScore 3.0 model btw)
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Credit Score
Digit [ Free for 100 days, then $2.99/mo ]
An easy way to save automatically. Connect your checking account with Digit, and it will analyze your income and expenses and transfer out small amounts of money to a savings account for you every few days it knows you won't miss. Then interact with them via text to stay on top of balances, transfers, and a host of other helpful info on your accounts.
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Saving
Robinhood [ Free ]
Robinhood is the first app that offers FREE stock trades and no minimal balance requirements. It's not as fancy as some of the other brokerage firms out there, and you're limited to US-based stocks (the rub), however, if you're just starting out or want an easy place to store some of your stocks, this is a great place to do it.
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Investing
PayPal [ Free ]
The main PayPal app allows you to send and receive money across the table or around the world to other PayPal account holders using just their phone number or email. Other PayPal apps you can download separately include "PayPal Business" (create and send invoices, review account activity, issue refunds) and "PayPal Here" (to accept all kinds of payments, from debit and credit cards to contactless payments like Apple Pay®).
Recommended by the following bloggers (See all reviews):

Categories: Sending/Receiving Money
Qapital [ Free ]
A fun app that automatically helps you save money by setting goals and applying "rules." Some of these rules include the Round-Up Rule (rounds up transactions to $1.00 and saves the spare change for you), the Guilty Pleasure Rule (save anytime you spend on a guilty pleasure!), the Spend Less Rule, Set It And Forget It Rule, 52-Week Challenge Rule, and the Freelancer Rule. Qapital also links up to IFTTT ("If This, Then That") for further customization.
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Saving, Goals/Motivation
Acorns [ $1.00/mo, Students for free ]
An app that rounds up all your spare change and invests the money for you! Connect your accounts with them and they'll automatically start rounding up your transactions and dropping the difference into a pre-set portfolio of funds they help set up for you. Then just let it work its magic, or set up extra deposits to grow your wealth faster.
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Investing
Square Cash [ Free ]
Square Cash is a really simple way to pay people back. Friends, family, co-workers - whoever. It's free and instant to send and receive payments, and you can save your cash in the app itself or directly deposit it into your own bank (shows up the next business day). You can also get a Visa Debit card to access your money as well.
Recommended by the following bloggers (See all reviews):

Categories: Sending/Receiving Money
Tip Yourself [ Free ]
This is the perfect app for anyone who wants to celebrate daily victories, surround themselves with a positive community, and of course save some money while doing so. Tip yourself makes it super easy - and quick - to save, while getting motivated at the same time. Start filling up your tip jar now!
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Saving, Goals/Motivation
EveryDollar [ Free // Premium version $10.00/mo ]
EveryDollar is Financial expert Dave Ramsey's budgeting app based on his Baby Steps in knocking out debt and building wealth. It follows the zero-based budgeting approach, and includes quick views for what money is planned, what money has been spent, and how much money remains. Free version requires manual entries of transactions, or upgrade to EveryDollar Plus to have them automatically imported from your bank for $10.00/mo.
Recommended by the following bloggers (See all reviews):

Categories: Budgeting
Quicken [ Free // Requires subscription to Quicken desktop software ]
An easy way to stay connected to your money if you're a Quicken user. View your personal finance information while traveling, sync your checking, savings, credit card and investment accounts anytime, anywhere, update accounts with new transactions as you're on the go or traveling, and even snap a picture of your receipts for archiving later.
Recommended by the following bloggers (See all reviews):

Categories: Budgeting, Money Management
ibotta [ Free // New users get a $10.00 welcome bonus ]
An app that gives you cash back when you shop! Pull up the app anytime you're about to buy something, look for rebates to activate from iBotta (you unlock them by watching a short video, reading a fun fact, taking a survey, etc), and then confirm your purchase at the end and BOOM - instant cash back. One of the best ways to spend a minute :)
Recommended by the following bloggers (See all reviews):

Categories: Cashback, Rewards
Betterment [ 0.25% annual fee // 0.40% annual fee for premium account ]
Betterment is an online financial advisor (robo-advisor) that wants to help you make the most of your money. They make tailored recommendations on how much to invest and the risk to take on, then they invest your money in a globally diversified portfolio of low-cost ETFs and help lower taxes in ways many traditional investment services can’t match. Other options include access to licensed financial experts, customer support 7 days a week, and being able to monitor all your financial accounts in one place.
Recommended by the following bloggers (See all reviews):

Categories: Investing
Learnvest [ Free // Pro version available for direct access to your own financial planner ]
LearnVest is a program for your money. Their mission is to make financial planning affordable, accessible, and "even delightful." Track your budget, set your goals, and get articles full of advice. You can also work with a LearnVest Planner to get dedicated help achieving your goals. (Available only on iPhone/iPad)
Recommended by the following bloggers (See all reviews):

Categories: Investing, Budgeting, Money Management
Debitize [ Free, new users get $10.00 towards their next credit card bill ]
Debitize is a clever system that essentially turns your credit cards into debit cards, but without losing your credit card points. The temptation to run up mountains of credit debt instantly becomes tough.
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Debt
Wealthsimple [ .04%-.05% management fees, new users receive $50.00 bonus ]
Wealthsimple is an online investing service (robo-advisor) that uses smart technology to build you a portfolio of low-fee index funds designed to help you meet your financial goals - regardless of age or net worth. Their mission is to help everyone achieve their goals by making investing: simple, affordable, accessible and personalized - which is exactly what they do. (Also available in Canada!)
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Investing
Stash [ First month free, then $1.00/mo for accounts under $5,000 and 0.25%/year for those over $5,000 ]
Stash is an app that let's you invest in the things you love and believe in - giving you the choices, tools, and tips to build a portfolio that better reflects who you are. Choose from a selection of ETFs, conveniently named so you can cut through the finance jargon and get to the heart of what each investment stands for.
Recommended by the following bloggers (See all reviews):

Categories: Investing
Rize [ Free, Accounts earn interest at 0.90% APY, 15X the national average ]
Rize is an automatic savings account designed to making saving super simple. You set your savings goals and your deposit schedule, then Rize handles the rest. You can update your goals or savings target at any time and easily withdraw your money whenever you need it. Rize will also send you updates on your progress via email or text so you can continually keep track of your progress. Rize accounts earn interest at 0.90% APY, 15X the national average.
Recommended by the following bloggers (See all reviews):

Categories: Saving, Goals/Motivation
Wealthfront [ 0.25% annual advisory fee ]
Wealthfront is a robo-advisor that uses technology to help you invest more efficiently by reducing risk, fees, and taxes, while maximizing returns. Connect up your accounts once, and Wealthfront will analyze your finances and help you invest in a diversified portfolio based on your current habits and goals. No trading commissions or hidden fees - just a flat 0.25% yearly advisory fee.
Recommended by the following bloggers (See all reviews):

Categories: Investing
Penny [ Free ]
Penny is a chat bot that helps you manage your spending and savings better. Connect your accounts once, and then get real time tailored charts and insights, fun and useful facts like where you shop most or how much you spend on fast food, updates on when bills and credit card payments are due, warnings when your bank charges you a fee, and overall suggestions on how to get the most from your money. Completely free and utilizes bank level security.
Recommended by the following bloggers (See all reviews):

Categories: Money Management, Saving
Honeyfi [ Free ]
Honeyfi is a free app that makes it easy to manage money and budget as a couple (the first financial app "designed from the ground up for couples" actually, according to them). Just link up your accounts to the app, choose what to share with your partner, and then see your household finances organized and neatly categorized all in one place. Honeyfi will also suggest household budget ideas based on your previous spending, and allow you to custom edit everything as well.
Recommended by the following bloggers (See all reviews):

Categories: Money Management, Budgeting
Stocard [ Free ]
Stocard is one of the world’s leading mobile wallets with over 15 million users, and allows you to store all your *rewards cards* in one main place on your phone. Unclutter your wallet by scanning the code on your plastic cards within seconds, then whenever you're out shopping just bring up your loyalty card's barcode on your phone and have it scanned by the cashier! Voila!
Recommended by the following bloggers (See all reviews):

Categories: Rewards, Saving
Motif [ $9.95 per motif trade, or $4.95+/mo for subscription options ]
Motif is a trading and investing platform that allows you to invest in your own fund of stocks (or "motifs") with a single click based on your personal values. A motif is a basket of up to 30 stocks or ETFs intelligently weighted to reflect an investment theme, market insight or innovative trend. You can invest in one professionally put together by Motif, or customize and build out one of your own. Pay per trade or sign up to one of their monthly subscription options.
Recommended by the following bloggers (See all reviews):

Categories: Investing
Strides [ Free // $4.99/mo for Upgrade ]
Strides is an app that helps you track all your goals and habits into one main place. Use it to stay motivated with flexible reminders and beautiful charts to help you achieve any of your SMART goals - financial or otherwise. Available on iPhone, iPad & Web.
Recommended by the following bloggers (See all reviews):

Categories: Goals/Motivation
Famzoo [ Free for 1 month // Varied monthly fee or prepaid afterwards ]
FamZoo helps parents teach their children good personal finance habits. Set up your own online Virtual Family Bank to manage your kid’s allowances, chores, budgets, goals, loans, spending, saving, charitable giving, and much more. Start simple with young kids, and add sophistication as your children mature through their tween and teen years.
Recommended by the following bloggers (See all reviews):

Categories: Money Management, Budgeting, Saving, Sending/Receiving Money
Qoins [ $1.99/mo // Rockstar users get $3.00 upon sign up ]
An app that helps you automatically pay down your debt. Connect your checking account with them, and Qoins will round up all your transactions to the nearest dollar, and then apply this "spare change" directly to your debt - whether student loans, car loans, etc.
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Debt
Clarity Money [ Free ]
An app that provides an overall picture of your finances, as well as help with budgeting and getting your spending in check. Unlike with Mint or Personal Capital, you can transfer money straight to savings through Clarity, as well as activate their bill lowering services to help shave down expenses super easily too. All through your mobile phone.
Recommended by the following bloggers (See all reviews):

| Rockstar Review | Categories: Budgeting, Cutting Expenses, Money Management
Pay Off Debt [ $4.99, one-time ]
An app that helps you organize your debts in one handy spot, making it easy to obsess and celebrate your progress. Easily decide on the repayment order that works best for you, whether that’s the debt snowball method, the debt avalanche, or something else entirely. And ultimately track your progress and stay motivated so you can finally pay off all that debt!
Recommended by the following bloggers (See all reviews):

Categories: Debt
Dobot [ Free 30 day trial, then $1.99/mo ]
Dobot is a financial app that makes it easy for you to save for the things that you care about. Whether you're saving for your next vacation, a downpayment or literally anything else. Create goals, save money, be inspired!
Recommended by the following bloggers (See all reviews):

Categories: Saving
Thrifty [ Free ]
Thrifty is a personal finance app designed for people who want to *really* understand their finances. Track your income, taxes, and expenses super simply using this app, and then use what you learn to improve your habits!
Recommended by the following bloggers (See all reviews):

Categories: Budgeting, Money Management
Pretirement [ Free for basic // Pro version costs $4.99 ]
A financial independence app that instantly converts spending or savings decisions into days, weeks, or years of your life. Plug in your basic financials, and then get back your retirement date along with a nice countdown clock to help keep you motivated. Then run a bunch of "what-if" scenarios and see how they affect your date!
Recommended by the following bloggers (See all reviews):

Categories: Calculator
Stockpile [ 99¢ a trade // Rockstar users get $5.00 when you open an account ]
An easy way to start investing with only $5.00! Instead of having to buy whole shares of a company, Stockpile allows you to buy *fractional* shares so you can invest with as much as you have and are comfortable with. They have over 1,000 different stocks and ETFS to choose from (including Apple, Google, Amazon, Target, Facebook, Vanguard funds, etc) and it only costs 99¢ a trade. They also offer gift certificates so you can give friends and family stock as presents!
Recommended by the following bloggers (See all reviews):

Categories: Investing
Prism [ Free ]
Prism automatically keeps track of all your bills' due dates in one place, and then sends you notifications and reminders so you never have to pay a late fee or overdraft charge again. You can even pay your bills in real-time directly through the app without needing to remember a million passwords!
Recommended by the following bloggers (See all reviews):

Categories: Money Management
Ebates [ Free // Rockstar users get $10.00 at sign up ]
Ebates is one of the biggest cashback apps around, helping you find coupons and earn cash back at over 2,000 stores including Amazon, Walmart, Macy’s, Target and Groupon. Use the app to conveniently use in-store coupons, scan products to compare prices, and get up to the minute deals, rebates, promo codes and discounts.
Recommended by the following bloggers (See all reviews):

Categories: Cashback, Rewards
An app that houses over 50 financial calculators including: finance/investment calculators, loan/mortgage calculators, retirement calculators, stock calculators, credit card calculators, auto loan/lease calculators and more. Allows users to email calculation results to others, as well as the ability to edit and prioritize the list of calculators for easy access.
Recommended by the following bloggers (See all reviews):

Categories: Calculator
TransferWise Money Transfer [ Free // Pay per transfer ]
Transfer money abroad quickly, easily and at the lowest possible cost using TransferWise. Get access to real currency exchange rates to help expats, foreign students and businesses transfer money online securely, conveniently, and at up to 8x cheaper than your average bank.
Recommended by the following bloggers (See all reviews):

Categories: Sending/Receiving Money
10bii Financial Calculator [ $5.99 one-time purchase ]
The 10bii Financial Calculator is a versatile and powerful financial calculator which features more than 105 different functions for financial analysis, business, statistics, and general mathematics. Modeled after the extremely popular HP 10bII Financial Calculator, the 10bii Financial Calculator app allows you to easily calculate loan payments, interest rates, amortization, time value of money, investment value, and more using a combination of powerful and intuitive equation-writing functionality and helpful worksheets.
Recommended by the following bloggers (See all reviews):

Categories: Calculator
Goodbudget [ Free // Option to upgrade to Goodbudet Plus for $6/mo or $50/year ]
Goodbudget is a personal finance app for budget planning and money management. Based on the envelope budgeting method using virtual envelopes instead of physical ones, Goodbudget is perfect for sharing a budget with a spouse, family member, or friend. Sync across multiple devices including iPhones, other smartphones, and the web.
Recommended by the following bloggers (See all reviews):

Categories: Budgeting, Money Management
iXpenseIt [ $4.99 one-time purchase ]
iXpenseIt simplifies daily expense tracking and monthly budgeting. You can record expenses anywhere, anytime within seconds, store photo receipts quickly, and customize your personal and business expenses with easy to understand reports. (Available on iPhone only)
Recommended by the following bloggers (See all reviews):

Categories: Budgeting, Money Management
WiseBanyan [ Free // Add-ons and premium packages available for a cost ]
WiseBanyan is the "world’s first free financial advisor" that doesn't charge for investment management, trading, or rebalancing. Through the use of technology, they are able to offer comparable services as a traditional advisor and pass the savings on to users. They do offer premium packages and add-ons, however, for those who want more than the standard service.
Recommended by the following bloggers (See all reviews):

Categories: Investing
Honey [ Free ]
A browser extension that helps finding coupon codes insanely easy. Just click a button right before you checkout online, and Honey will automatically search - and then apply! - any coupons it finds right there on the spot for you. It literally takes seconds.
| Rockstar Review | Categories: Saving
Paribus [ Free ]
You know how sometimes you buy stuff, and then 3 seconds later you find it cheaper elsewhere? Or you forgot a coupon or companies play the “price drop” game on you since they know your profile? Well Paribus fixes that :) You sign up to them once, and they’ll go out and get your money back for you.
Rockstar Review | Categories: Cashback, Cutting Expenses
Tiller [ Free for 30 days, then $5.00/mo ]
Tiller automatically pulls your banking transactions into a Google Sheet, making budgeting with a spreadsheet easier than ever. You can then add spending categories, categorize each transaction, and of course track your net worth among other financial tasks. Our blogger friend Kathleen Celmins said it best: "It’s as if Mint and Google spreadsheets had a baby, and the genes from Google were a lot stronger." :)
| Rockstar Review | Categories: Budgeting
Undebt.it [ Free, pro version is $12.00/year ]
Undebt.it is a free, mobile-friendly debt snowball management tool & payment planner that generates an easy to follow plan to help you eliminate your debt the fastest. It can use the Debt Snowball (lowest balance first), the Debt Avalanche (highest interest rate first) or even your own custom plan. Just plug in your basic account information and Undebt.it will take care of the rest!
| Rockstar Review | Categories: Calculator
Swagbucks [ Free // Rockstar users get $5.00 at sign up ]
Swagbucks is a (ridiculously) simple way to earn gift cards and cash for everyday things you already do online. Earn points for shopping, searching the web, watching videos, answering surveys, and then redeem them for free gift cards to retailers like Amazon and Walmart, or simply go for the cash back via PayPal.
| Rockstar Review | Categories: Rewards, Cashback
Job Spotter [ Free ]
Ever see help-wanted signs in the windows of stores? If so, snap a picture of them inside the Job Spottter app, along with the main sign of the store, and they will reward you with a few dollars for doing so :) One of the easiest - and quickest - ways to make side money!
| Rockstar Review | Categories: Cashback
Trim [ Free ]
Trim is an automated savings machine that does three things really well: finds - and cancels - unwanted subscriptions you're signed up for, gives you extra cash back when shopping with your Visa card, and helps you cut down your cable bill as much as possible with Comcast (they negotiate everything on your behalf!). It's as easy as text messaging with a friend, and they've got a pretty rabid user base.
| Rockstar Review | Categories: Saving, Cutting Expenses
Blooom [ $10.00/mo ]
Blooom is a great way to stay on top of your 401(k) or 403(b), 401(a), or 457 account if you hate managing it yourself and/or don’t know what the heck you’re doing. You sign up once, get your free analysis of how your account is currently looking, and then either go on your merry way managing it all yourself using their recommendations, or continue forward with Blooom - letting their certified financial advisors do all the monitoring and heavy lifting for you from now on. Great for those who don't have the time or patience!
| Rockstar Review | Categories: Investing
MoneyStrands [ Free ]
MoneyStrands was born out of the idea that finances shouldn’t be so complicated to manage. This free app is built to help you track your cash, credit cards, and checking accounts easier and in a more visual way (it's loaded with beautiful charts and graphs that display your finances). The goal is to help you effortlessly and securely control your money, achieve your financial goals, and start making smarter budgeting decisions.
Categories: Budgeting
Dosh [ Free ]
Dosh is a free cash back app without any hassle. No UPC scanning, no submitting receipt photos, no mail-in rebates, no promo codes, no in-store fumbling. Connect your credit & debit cards up once, continue living your life as normal, and then auto-magically get cash back. And even more so when you book hotels through Dosh. (Fun fact: Dosh is slang for money)
Categories: Cashback
Change [ Free ]
Change is a service that uses artificial intelligence to help you manage your money better. Connect your accounts once, and then let their algorithms automatically save you money by moving over spare change into a new saving account for you. Very similar to Digit, while also harnessing SMS and Facebook Messenger to encourage you to spend more wisely as well.
Categories: Saving