The 3 Best Personal Finance Apps.

Budgeting your money may be one of the least enjoyable things ever. And let’s be honest: most of us are much better at spending than we are at saving. Nonetheless, it’s still important; after all, it’s not often you hear someone say, “Darn, I budgeted too well this month,” or, “I wish I hadn’t saved so much money.”

Luckily, there are a number of apps out there to make the process of budgeting not just easier, but also kind of fun. Here are seven of the best personal finance apps—saving, earning, and managing your money is about to get so much better. :-)

1. Digit:

SMS bot that monitors your bank account & saves you money

Digit may just be one of the simplest money-saving tools you’ll ever use. Securely connect your bank account, and Digit will analyze your spending and income to help you put away small amounts of money that you don’t need for your bills or day-to-day expenses. Every few days, money (usually somewhere between $5–50) will get transferred from your checking account to a Digit savings account.

They promise not to take out money you’ll actually need, so you don’t have to worry about overdraft fees. And, all you have to do to get your money out of the savings account and back into your checking account is send a text message. Simple as that

2. Spendee

Analyze your finances by category, person, or location

If you don’t want to connect your bank account to a budget tracking app, Spendee is for you. The app has a beautiful, easy-to-use interface that will make you actually want to track your expenses with it. Since it’s not synced to your bank account or credit cards, you have to manually add in all of your income and expenses. But, if you’re willing to put in the effort and track your spending, this app actually enables you to analyze your spending more accurately than most of the automated personal finance apps out there.

Spendee can go hand-in-hand with some of the other apps on this list. You still have to do the work of figuring out how you want to tweak your spending, but it makes you conscious of where your money is going—and likely, more thoughtful about what you spend money on in the first place.

3. Prism

Keep track of your bills, all in one place

You get paid once or twice a month—but your bills are due sporadically. Keeping track of your recurring bills can be a huge pain; especially if some of them can’t be automated. Enter: Prism. This app automatically organizes all of your bills in one place, giving you a quick view of your account balances and due dates.

The set up takes a few minutes—you have to connect each of your accounts individually—but once that’s done, Prism will sync all of your account bills and balances automatically. You can set up due date notifications and pay your bills right from the app so you never miss a payment again. Your credit score will be pretty happy about this.

Incorporating personal finance apps into your daily life can lead to better money management, improved financial literacy, and a more secure financial future. Whether you're a seasoned investor or just starting on your financial journey, these seven best personal finance apps can help you take control of your finances, track your spending, and work towards your financial goals with confidence. Choose the app that best aligns with your needs and start building a stronger financial foundation today. Remember, making small, consistent steps can lead to significant long-term results. Happy budgeting!

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