Whether you need help creating a budget, tracking expenses, saving money, or managing your debt, there’s an app for you. However, with the thousands of personal finance apps available on iOS and Android, it can be difficult to decide which ones are worth using.

Consider trying a few of these apps to help you easily and efficiently manage your personal finances.

Financial Planning

Cash App

Cash App is a peer-to-peer payment app that is incredibly easy to use and offers some unique benefits.

To get started, all you have to do is sign up, choose a $Cashtag, and link a debit card or bank account for deposits/withdrawals. Then you can send and receive money from anyone with the app. Simply enter an amount and choose a contact to send money. When you receive money, you can deposit it into your bank account, or you can use your Cash Card — a virtual debit card linked to your Cash App account

One of the best features of this app is that users can order a free debit card allowing them to essentially use their Cash App account as a checking account. What’s better is that users can apply boosts to their Cash Cards which allow them to receive discounts, such as $1 off coffee or 10% off at Whole Foods.

Cash App offers a simple, easy-to-use money transfer service that comes with a few exceptional benefits.


Mint is hands down one of the most useful, full-featured personal finance apps available. This free app was created by Intuit, which you might recognize from TurboTax and QuickBooks, to help individuals budget, track spending, and monitor their credit.

When you create an account on Mint, you can link all of your bank and credit card accounts along with your monthly bills so that all of your finances can be accessed and monitored in one place. With Mint, you can view your credit score, get reminders when you need to pay bills, gain spending advice, and much more.

Overall, Mint offers an impressive list of features to help users take control of their finances.


You Need a Budget (YNAB) is perhaps the most impressive budgeting app available.

YNAB helps you easily create an effective budget so that you can gain control of your spending and pay off your debts. You can adjust budget categories as you see fit and view detailed spending reports which show you how you can improve your spending habits in certain areas. While YNAB isn’t free to use; however, the monthly savings that most users experience make the subscription well worth it.


Acorns is a micro-investing app that makes saving and investing incredibly easy. Essentially, you connect a credit or debit card to your account, and Acorns rounds up the purchase to the highest dollar and invests the change into low-cost ETFs.

Additionally, Acorns offers its Acorns Later feature which helps users save for retirement by investing spare change into an IRA.

Acorns enables individuals to painlessly save their money and grow their portfolios by making low-risk, diverse investments.