15 Best Apps to Keep Track of Money

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Keeping track of your money is incredibly important.

I mean if you don’t know where your money is going or what your account balances are, how can you set financial goals and know if you’re making any progress?

Alright so we can both agree that tracking your money is important.

So… Now what?

Time to start finding something to track your money!

If you’re someone who prefers using tracking things on paper, I have a post about free budget sheets.

But you’re on this post, so I assume you want something digital. I get it.

I’ve found 15 of the best apps to keep track of money (your money specifically).

If you’d just like my top two choices for the best money tracking apps they are:

💰 Lunch Money

One of the best apps to keep track of money!This is a screenshot of the Lunch Money homepage.

So this isn’t a traditional app that you can download from your phone’s app store – it’s a web app.


Before you go clicking off the page, you can access it from your phone’s browser and you can also add it to your home screen so it’s almost like an app.

I had to include Lunch Money on this list.

I had a chance to chat with the owner / creator of Lunch Money (and try a demo!) at this years FinCon – it was seriously love at first sight.

Lunch Money was easy to use, looks beautiful, and it does everything I need it to.

It helps me create a budget, tracks my net worth, categorizes transactions for me, and it can even sniff out my recurring transactions.

You can also track transactions in any currency.

chef’s kiss

(I couldn’t help myself).

Lunch Money is a paid app, but if you’d like to try it out for free for a month, you can use my referral link.

What It Does Best: Budgeting, Net Worth Tracking, Multicurrency Transaction

Cost: $8 a month or $80 a year

💰 Personal Capital

Another good choice for the best apps to keep track of money.

Personal Capital is kind of an OG when it comes to keeping track of money. They’ve also been consistent over the years and have added lots of new features.

I personally think that what Personal Capital does best is being a net worth tracker – you can add all of your accounts and see all the balances in one place, and it updates automatically.

They also have a slew of free tools like their retirement planner, the savings planner, and a tool that can analyze the fees on your investments to make sure you aren’t overpaying.

Personal Capital is free to use as a money tracker, and if you’re interested in having Personal Capital handle your investments for you, the fees are actually pretty low.

What It Does Best: Net Worth Tracking

Cost: Free (Money Tracking), 0.49%-0.89% for Investment Services

Clarity Money

Clarity Money is a free app from Goldman Sachs that lets you track your spending, save money (you can open a savings account from the app), and it helps you keep expenses down by identifying unwanted subscriptions and helping you cancel them.

What It Does Best: Track Spending

Cost: Free


Dollarbird is a collaborative budgeting app that helps you figure out what expenses you have coming up.

What It Does Best: Collaborative Budgeting

Cost: Free, $39.99/year for the pro version


Empower combines banking, money tracking, and saving all in one package.

The apps works like a bank account. Kinda.

It involves an interest checking account that lets you have automatic savings and spend tracking. There’s also a cash advance feature that let’s you get a little bit of money when you need it.

Oh, and there’s no overdraft fees.

I dig it.

What It Does Best: Banking Alternative

Cost: $8/month


EveryDollar is a budgeting all that’s part of the Ramsey+ (Dave Ramsey) suite of money tolls.

With EveryDollar you can add your income, plan your expenses, and track your spending all from the desktop version or phone app.

What It Does Best: Zero-Based Budgeting

Cost: Free or $129.99/year for the premium version


Goodbudget is great if you’re a fan of cash envelope budgeting but don’t want to carry around a bunch of physical envelopes filled with cash.

Goodbudget is based on the envelope budgeting method – only this is digital!

You can also sync your budget / envelopes across all of your devices (so you can share them with your partner/family.

What It Does Best: Envelope Budgeting

Cost: Free, or $7/month ($60/year) for the premium version


This is another service that’s a bit of an OG. Mint has been around for quite a few years and helps people track their money, create a budget, and get bill reminders.

They also provide free credit scores and free credit monitoring.

What It Does Best: Budgeting, Checking Credit Score

Cost: Free


Mobills is an aesthetically pleasing bill and budget tracker.

The free version of Mobills lets you have unlimited transactions, create categories for expenses and income, will sync across devices, and you can customize your dashboard.

What It Does Best: Expense Tracking

Cost: Free, $24.99/year for Mobills Pro


If you like the cash envelope strategy but would like a digital version, Mvelopes can help you out.

With all Mvelopes plans you can connect unlimited accounts, have your budget sync across devices, and have a plan for every dollar.

While Goodbudget is a good low cost option for digital cash envelope-style budgeting, if you’d like something with more features, then Mvelopes is one of the best apps to keep track of money.

What It Does Best: Digital Cash Envelope Budgeting

Cost: $6/month for Basic, $9.95/month for Premier, $19/month for Plus


PocketGuard helps track your spending and save towards your goals using their “autosave” feature.

PocketGuard also has a pretty cool feature called “In My Pocket” which shows how much money you can safely spend (it takes your balances and bills into account), and can also breakdown how much you can safely spend by the month, week, and/or day.

If you have issues with overspending or PocketGuard and the “In My Pocket” feature could be one of the best apps to keep track of money.

What It Does Best: Simple Budgeting

Cost: Free



If you’re mourning the loss of the bill pay feature from Mint, or if you just want to see and pay all of your bills in one place, I have one word for you: Prism.

Prism is a service that will track your bills for you, let you see all of your accounts in one place, and let you pay your bills from the app for free.

What It Does Best: Bill Tracking

Cost: Free

Simplifi by Quicken

When it comes to tracking your spending and managing your cash flow I think Simplifi by Quicken is the best in the game.

You can see all your accounts in one place (similair to Personal Capital), but you can also easily monitor your bills (like Mint) butttt… You can also add custom “watchlists”.

Watchlists are basically the categories or expenses you want to keep an eye on. You can set them up by category, payee, or with tags and you can see how much was spent for the month and year, and how much you’re projected to spend.


What It Does Best: Spending Tracker, Cash Flow

Cost: $35.99/year



If you want to help manage your household budget, Spendee could be a good fit for you.

Spendee lets you track all of your accounts from the app, and lets you create “wallets” (separate money buckets) that can be share between family or friends.

You can also create a budget with Spendee.

What It Does Best: Budgeting For Multiple People

Cost: Free, $14.99/year for Spendee Plus, $22.99/year for Spendee Premium


Wally is a simplistic budgeting app.

That’s pretty much it. It doesn’t do anything particularly special, but it does have the basic features, like adding accounts, tracking spending, being secure.

If you just need something simple, then Wally is one of the best apps to keep track of money.

What It Does Best: Simplistic Budgeting

Cost: Free

You Need a Budget (YNAB)

You Need A Budget (also called YNAB) is a paid app that helps you create a zero-based budget.

YNAB helps you budget your money using 4 principles:

  1. Give Every Dollar a Job
  2. Embrace Your True Expenses
  3. Roll With The Punches
  4. Age Your Money

You can read more about the rules here.

If you’re interested in trying out YNAB they offer a 34 day free trial.

What It Does Best: Zero-Based Budgeting

Cost: $11.99/month or $84/year


Zeta has two products, a Join Card and a Money Manager.

The money manager app is an award-winning app made for couples.

Through the money manager app, you can see your income, your expenses, work towards shared financial goals, and message your partner through the app to split bills or keep your partner in the loop about certain expenses.

What It Does Best: Budgeting For Couples

Cost: Free

Spreadsheet Lover?

If you want something digital but prefer a spreadsheet, here are two great options for keeping track of your money:

Final Thoughts

If you’re looking for the best apps to keep track of money, you can’t go wrong with either Lunch Money or Personal Capital.

FAQs on Money Tracking Apps

What is the best money tracking app?

Two of the best money tracking apps are Lunch Money and Personal Capital. If you’re looking for a FREE money tracking app, I suggest using Personal Capital.

What is the best way to keep track of your spending?

The best way to keep track of your money is whatever works for you! You can use a paper planner, a spreadsheet, or a web or phone app to help track your money.

What is the best app for budgeting money?

The best app for budgeting money is the Lunch Money app. The best FREE app for budgeting money is Mint.

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