10 Best Personal Finance and Money Apps For Clueless Millennials

Where does all the money go by the end of each month? Put a budget-tracking app on your smartphone, and you’ll no longer need to wonder. Whether you’re interested in tracking your expenses or you’re planning to save up for something down the road, plenty of apps can help you easily set a budget, log your expenses, and even do some micro-investing on the go.

Get better control of your finances in 2019 with this selection of our favorite budgeting and personal finance apps for Android and iOS devices.

1. Mint

Mint is one of the most popular apps in the personal finance space – and for good reason. Mint is an all-in-one tool for your financial life. You can track bills, manage budgets, and keep tabs on your investments. You can also manage your credit score for free and receive tips on how you can improve it – even if you don’t have a credit card. The app, which already has over 20 million users, can be accessed with a desktop browser, or downloaded via iOS or Android devices.

Mint automatically syncs with your bank and investment accounts, so that you can view information for everything in one place. Expenses are automatically categorized so that you can easily see where your money is going. You can also set up alerts, so you know when a bill is due, or when you are overspending. And the best part – Mint is completely free.

2. Credit Karma

Credit Karma is an app that allows you to view your credit score for free. The app has managed to attract over 60 million users. The platform can be accessed from a browser, or with iOS and Android apps.

While you usually have to pay to access your credit score, Credit Karma uses an ad-supported model to provide that information for free. In addition to providing credit scores, Credit Karma can alert you when there are changes to your credit reports, as well as help you learn what factors affect your score.

Credit Karma also uses the information in your credit reports to recommend the best credit cards for you and helps you make decisions to use credit effectively. Recently, a free tax filing feature was added to the service.

3. You Need a Budget

You Need a Budget (YNAB) is unlike any other budgeting app you’ve used before. YNAB helps you stop living paycheck to paycheck, pay down debt, and “roll with the punches” if something unexpected comes up. It’s built around a fairly simple principle: Every dollar has a “job” in your personal budget, be it for investment, for debt repayment, or to cover living expenses.

You Need a Budget doesn’t let you create budgets around money you don’t have; it forces you to live within your actual income. If you get off track (and who doesn’t occasionally?), YNAB helps you see what you need to do differently to balance your budget. The built-in “accountability partner” keeps you on your toes. Although users pay a monthly or annual fee for YNAB, many feel the service and support are worth it. Online classes with a live instructor for Q&A to help you learn budgeting basics are included. In fact, YNAB is so effective that the average user pays off $500 in debt the first month. If nothing else, the financial commitment encourages you to use the app.

4. BitBounce

BitBounce is a free app that blocks spam and lets you charge businesses to receive marketing emails. To get started, simply download the free app and sign up with your existing email (Gmail, Yahoo, Outlook, and every major provider works). BitBounce automatically whitelists all of your contacts and people you’ve recently emailed so they can keep emailing you as usual.

If anyone outside your whitelist emails you, BitBounce will send them an autoresponder to pay your fee to reach you. If they don’t pay, their message is filtered into a special ‘unpaid’ folder where it won’t bother you, but you can see it if you wish. You can set your own paywall fee, customize your autoresponder message or turn off the autoresponder completely. BitBounce is a great way to not only organize your inbox but also start making extra money on the side while staying productive.

5. Wally

If you’re the sort of person who’d love to be as organized with tracking your personal expenses as you are with filing your professional expense reports, you’ll love the totally free Wally app. Instead of manually logging your expenses at the end of the day (or week or month), Wally lets you take a photo of your receipts. And if you use geo-location on your device, it even fills in that info, saving you several steps.

Wally is a clean, streamlined app that’s extremely convenient and easy to use. It’s a great choice if you like more insight into where your money is going.

6. Delta

The Delta cryptocurrency tracking tool is a great app to keep tabs on your cryptocurrency portfolio. It allows you to track the prices of more than 3,000 cryptocurrencies and access them via a mobile device or PC.

You can sync the app with most wallets and over 200 exchanges so that all your crypto holdings are aggregated as one portfolio. If an exchange isn’t supported, you can manually add any other holding as well.

The app lets you see how your portfolio has performed over any time period you choose. You can also set price alerts to be notified when a coin reaches a certain price, or create a watchlist of coins you don’t yet own but want to watch. Delta operates on a freemium model, with the basic features available for free, and premium features available for a monthly subscription. The app can be downloaded for free from the App Store and Google Play Store, or from the website.

7. Acorns

Want to harness the benefits of automating good financial behavior? If that sounds complicated, the Acorns app decidedly isn’t. Basically, every time you make a purchase with a card, you’ve connected to the app, Acorns rounds it up to the next highest dollar and automatically invests the difference in a portfolio of low-cost exchange-traded funds (ETFs) that you select based on your risk preference.

Acorns put your pocket change to work in an utterly painless way; users say that they never notice the difference. Wouldn’t you love to find an extra $300 or $500 or even $1,500 in your investment account each year?

8. IOU – Debt Manager

For a budgeting tool that’s a bit more focused, check out IOU – Debt Manager, an app that helps you keep track of who owes you what (or what you owe to other people). Three simple tabs let you keep track of what people owe you, what you owe other people and a contacts page with summaries of what each individual owes in their contact profile.

Users can set up partial or periodic payments, recurring debts, create non-monetary loans (such as say a loaned book) complete with pictures of the item, set a payoff date and more. The app syncs between platforms and devices, and in addition, you can view a history of past debts settled.

9. Clarity Money

Clarity Money is a free personal finance app that helps you manage your budget and save money through a variety of methods. Users link their bank and card accounts to the app, and Clarity then analyzes your spending behavior, identifying opportunities to save money, such as discounts and coupons for your bills, pointing out subscriptions that you might not be using, and helping you build a budget and track your spending. Users can also set a savings goal, with Clarity Money taking a set amount from your bank account periodically to deposit in a savings account.

10. Prism

Prism is a Smartphone app that helps with managing bills, including the ability to view, manage, and pay all of your bills with one app. Once your accounts are synced with the app, you’ll be able to see which bills are due when and receive alerts when bills are unpaid or have a due date approaching.

You can also track your income, your account balances, and the amount you’re spending each month. You can also choose which bank account to pay each bill, to ensure you never have a check bounce. The app is available for iOS and Android devices.