5 Best Budgeting Apps for Tracking Money
1. Mint – Best Free Budgeting App
🔗 Login / Signup Link:
What is Mint?
Mint is a completely free budgeting tool that automatically tracks your expenses, bills, savings, and credit score in one dashboard.
How to Create an Account (Step-by-Step)
Click “Sign Up” on the homepage
Enter your email
Create a password
Link your bank account or add transactions manually
Mint will generate your budget automatically
Key Features:
Automatic expense category tracking
Budget suggestions based on your habits
Monthly bill reminders
Savings goal planner
Credit score monitoring
Spending trend charts
Pros:
100% free
Easy to use
Great automated tracking
Beginner-friendly
Cons:
Ads inside the app
Limited investment tracking
Who Should Use It?
People who want a simple, free budgeting solution with powerful automation.
2. YNAB (You Need A Budget) – Best for Serious Budgeting
🔗 Login / Signup Link:
https://www.youneedabudget.com/
What is YNAB?
YNAB uses the “Zero-Based Budgeting” method, which gives every dollar a job. It’s best for people who want deeper control of their finances.
How to Get Started:
Start free trial (34 days)
Connect your bank account
Assign every dollar to categories
Track spending vs budget
Features:
Goal tracking
Real-time syncing
Debt payoff planner
Reports & graphs
Detailed spending control
Pros:
Helps break bad money habits
Very powerful budgeting system
Excellent for debts
Cons:
Not free
Learning curve
Pricing:
$14.99/month or $99/year
Who Should Use It?
People who want deep financial control and are serious about budgeting.
3. Goodbudget – Best for Envelope Budgeting
🔗 Login / Signup Link:
What is Goodbudget?
Goodbudget uses the “envelope system,” where you divide your money into envelopes like groceries, bills, entertainment, etc.
Features:
Envelope system
Sync across devices
Easy manual entry
Reports & spending pie charts
Pros:
Simple & effective
Great for couples
Free version is decent
Cons:
No automatic bank syncing
Manual entry needed
Who Should Use It?
People who want a simple and traditional budgeting approach.
4. PocketGuard – Best for Tracking Overspending
🔗 Login / Signup Link:
Features:
“In My Pocket” feature shows how much you can safely spend
Auto expense tracking
Bill negotiation
Subscription tracking
Pros:
Very modern interface
Great for limiting overspending
Cons:
Not ideal for advanced budgeting
Who Should Use It?
Someone who overspends easily and wants strict control.
5. Wallet by BudgetBakers – Best for Multi-Currency Users
🔗 Login / Signup Link:
https://budgetbakers.com/wallet
Features:
Works with 15,000+ banks
Multi-currency support
Detailed budgeting
Receipts scanning
Cloud sync
Pros:
Great international support
Highly detailed tracking
Cons:
Some features paid