Top 10 Personal Finance Apps for iPhone and Android in 2021

Not too long ago, I used to say, “Financial management is not my forte.” Creating custom budgets, tracking spending, and monitoring overspending on top of an ever-increasing workload seemed like too much for me. That’s why I found some nifty expense trackers that make the expense tracking process easier. These expense trackers have changed the way I look at financial management a little bit. He also recommended finding the best personal finance apps for iPhone and Android to help you easily manage your finances. I’ve given it quite a bit of spin so I’d like to share with you my top picks.

Best Personal Finance Apps for iOS and Android (2021)

Choose the app that fits your bill to get started on the right notes. Let’s explain a few points in advance to make your work a little easier.

The core fundamentals of personal financial management

Effective personal financial management begins with a structured plan that consists of three basic elements:

• Custom budgets with strict rules
• Clear savings goals
• real time tracking

To start, you need to set a budget that adheres to strict rules, such as stopping unnecessary expenses. Besides, it’s better to start with a financial goal with a clear savings plan. You can also track where your money is going in real-time, so you always know what’s going on and take the right action at the right time.

Not all personal finance apps are designed for the same purpose. Some apps aim to increase your credit score, while others focus on managing your money and maximizing your savings. Additionally, there are several financial apps that focus on debt resolution and portfolio tracking. We don’t know which of these apps you need, but we do know that one of them can fulfill your mission of getting your finances on the right track.

1. Mint: The smart personal finance assistant

Managing your finances becomes a hassle-free experience when all your accounts are fully synced . So you don’t have to run from pillar to post to track your expenses, credit card bills, etc. Mint aims to do just that, bringing your accounts and spending together in one place. As a result, you can easily monitor everything from budgets to transactions to expenses at your own pace.

Mint not only helps you stay on top of your finances, but also provides detailed insights into your accounts . Therefore, you can find dark areas along with opportunities that can be cashed out to cut unnecessary expenses and save more money. Real-time alerts and a decent bill tracker play a key role in making sure you don’t pay your bills on time.

Based on what you want to achieve, you can use Mint to set financial goals and take advantage of actionable tips to stay on track to reach your goals. This app closely monitors where your money goes and provides money management advice accordingly. It also shows how well you are doing in terms of managing your finances to help you stay focused.

Additionally, Mint is deeply integrated with popular financial tools such as TurboTax, QuickBooks, QuickBooks Self-Employed, and ProConnect, making it extremely easy to use and further reinforcing its reputation as one of the best personal finance apps for Android and iOS. I am. The app is free, but to unlock pro-grade financial tools you need to subscribe to Mint Live, which is available for $24.99.

Why should you try mint?

• Deep insight into your account
• Ability to set financial goals
• Convenient bill tracker
• practical tips
• Money management advice

Installation: iOS and Android (free, Mint Live version is $24.99)

2. PocketGuard – Manage your luxury spending

The key to saving a lot of money is to control your spending. So, if you think you need to stop overspending immediately, PocketGuard can be of great help in preventing unnecessary spending. This app comes with some very useful money management tools that allow you to create a custom budget, track all your spending, and find ways to double your savings.

Another notable feature of PocketGuard is its ability to closely monitor all your subscriptions and easily cancel those you no longer need. Even better, this app also supports refunds for unused services. You can set as many financial goals as you want depending on your future financial situation. Also, a detailed progress tracker keeps you up to date on your performance and alerts you if you’re about to lose your way.

To maximize your savings, PocketGuard comes with a feature called “AutoSave” (US only) that you can enable using automation rules. Please note that funds in your AutoSave account are FDIC insured up to $250,000 and held at a depository institution. At this time, PocketGuard can only connect to financial institutions in the United States and Canada.

In terms of security, PocketGuard is also top-notch as it uses bank-grade security (256-bit SSL encryption) to protect your sensitive information. Additionally, it supports not only PIN codes but also biometrics such as Touch ID and Face ID to prevent anyone from gaining unauthorized access to your app.

All the savings features combined with additional security features make PocketGuard one of the best personal finance apps available for Android and iOS devices.

Why is PocketGuard worth trying?

• Convenient money management tools
• Set unlimited financial goals
• Convenient subscription management
• 256-bit SSL encryption
• Supports Touch ID and Face ID

Install: iOS and Android (free, $4.99/month for premium version)

3. MoneyStandards – Enhance your savings

Managing your finances doesn’t have to be a chore when you have a smart assistant always on hand to solve hurdles and discover ways to maximize your savings. Powered by Strands (a popular FinTech partner for over 500 banks), the app gives you easy access to your account balances, budget, financial transactions, and even your spending habits .

Additionally, MoneyStandards offers pro tips that can help you overcome the hurdles that are keeping you from achieving your financial goals. Creating a budget allows you to monitor your spending based on different categories such as groceries, entertainment, and travel. You can also use the integrated calendar to better plan your budget and see when your spending will occur.

To help you better manage your money, MoneyStandards also provides detailed charts and graphs that you can use to drill down to the details and track where you’re getting stuck. As someone who appreciates high quality charts, I appreciate their insight. Additionally, it uses 256-bit SSL encryption to provide a reliable shield for your data.

Why is MoneyStandards worth trying?

• Option to create flexible budgets and set financial goals
• Tracking your spending becomes much easier
• Provides detailed charts and graphs
• 256-bit SSL encryption

Installation: iOS (free)

4. Mobils – Best insightful graphs and detailed reports

If you use Mobils the way you want, you won’t have to spend a lot of time figuring out where your money is going, or even more importantly, what’s actually messing up your finances. Unlike regular finance apps, it provides detailed graphs (including cash flow) to help you gain more insight about your money.

Additionally, we also provide insightful reports that help you understand both the advantages and disadvantages. Features like a credit card manager, bill payment alerts, and geolocation-based expenses help you stay in complete control. Additionally, the app features a proficient financial goal manager to prevent you from going off plan.

Thanks to seamless cloud sync and reliable offline functionality, Mobils lets you manage your finances at your own pace. Additionally, Mobils is available for free with some limitations. Starts at $4.99 per month for the premium version, which unlocks all benefits including detailed charts.

Why is Mobils worth trying?

• Detailed graphs and personalized reports
• Reliable offline functionality
• credit card manager
• bill payment alert
• Seamless cloud sync

Install: iOS and Android (Free, $4.99/month)

5. Fudget – A shrewd budget planner

For me, better financial management starts with setting a custom budget that aligns with your financial goals. And if you think your budget planning is substandard or in need of some judicious management, Fudget could be a strong candidate to meet your requirements. This finance app has a very intuitive user interface that makes it very easy to create a budget while keeping all your expenses in mind and find ways to fix overspending.

Additionally, Fudget also gives you the flexibility to plan your spending without time constraints. For example, you can create a weekly or monthly budget and set personalized notifications to stay updated.

Fudget is free to use, but upgrading to the premium version ($3.99) gives you the ability to save and restore data to Dropbox . Additionally, the pro version also unlocks a very useful calculator and the ability to export your data as a CSV file. Also, if you like customization, you’ll love some great-looking themes that can give your app a personal touch.

Why is Fadget worth trying?

• flexible budget planning
• some colorful themes
• Save and restore your data to Dropbox
• Export data as a CSV file
• Super useful calculator

Installation: iOS and Android (free, $3.99 for pro version)

6. Money Lover – Manage your money like a pro

For those who think financial management is not one of their virtues, we recommend giving Money Lover a try. This app puts a clean user interface and easy-to-use features at the forefront to help you manage your money like a pro. And that too without breaking a sweat.

Money Lover features smart money management features that let you track your spending, income, bills, debt, payments, and debts directly from one place . You can set up recurring transactions and receive reminders before the deadline so you never forget to pay early. Additionally, there are savings planners that give you reliable ways to save more money.

Accurate reporting means you always know where your money is coming from and how it’s being spent. It also flags areas that need more careful attention so that you can reach your financial goal of saving a lot of money. Best of all, Money Lover supports multiple currencies and has a built-in calculator to help you do the math correctly.

Money Lover requires in-app purchases (starting from $0.99) to unlock features such as using the app without ads, creating an unlimited number of wallets, and exporting your data to a CSV file. Please note that there is

Why is Money Lover worth trying?

• Easily track your expenses and income
• accurate financial reports
• Export data to CSV file
• savings planner
• built-in calculator

Installation: iOS and Android (free, in-app purchases starting at $0.99)

7. Personal Capital – The leading portfolio tracker

Personal Capital is an efficient portfolio tracker that you can use to monitor your finances and investments. Perhaps the best thing about this app is its retirement planner, which helps you plan your retirement wisely. Additionally, you will have the option of consulting with a financial advisor to develop a personalized plan.

For seamless tracking, Personal Capital lets you sync all your accounts in one place . Also, an organized dashboard allows you to monitor your investments, stocks, debt, and more at a glance.

One of my favorite features of this app is the proficient spending tracker . Create a budget based on your goals and manage your spending according to set rules. In summary, Personal Capital deserves to be recognized as one of the best personal finance apps for Android and iOS.

Why should you try personal capital?

• efficient portfolio tracker
• Sync all your accounts in one place
• Useful spending tracker
• retirement planner

Installation: iOS and Android (free)

8. Credit Karma – Make the most of your credit score

Still unsolved the mystery that comes with credit scores? If your answer is positive, Credit Karma is something you don’t want to miss. This app focuses on helping you get the most out of your credit score. See what’s negatively impacting your credit card score and get expert tips to eliminate the negatives.

With Credit Karma, you can also open a savings account to earn high-yield interest (along with over 800 banks). This can be a much-needed weapon in your personal finances. One of the highlights of this app is the personalized approval probabilities that let you know which credit card or personal loan offers you are likely to get.

Additionally, Credit Karma also provides proactive ways to connect to major government programs , receive unemployment benefits, and take advantage of debt relief opportunities. Not to mention, you can also tweak your auto loan by finding ways to save on insurance and find unclaimed money.

Why should I use Credit Karma?

• Personalized approval probability
• Improve your credit score
• expert tips
• Align with key government programs

Install: iOS and Android (free, $2.99/month)

9. Clarity Money – AI-powered financial management

Clarity Money leverages artificial intelligence to analyze your personal finances and provide personalized recommendations that allow you to manage your finances smartly. The app also provides tips to better manage your budget, reduce overspending, and maximize your savings. Clarity Money lets you link your accounts so you can monitor your finances from one place. Unified accounts eliminate unnecessary steps and simplify the entire process of financial management.

AI-powered expense tracking keeps you up-to-date on all your expenses through timely alerts . Additionally, the spending tracker will send you a warning if it finds that you are violating the rules you set.

What I liked most about this app is its ability to show you the exact amount you have saved since a certain period of time, which allows you to introduce more savings avenues to achieve your coveted financial goals. It creates motivation. All things considered, Clarity Money is one of the best personal finance apps for iOS and Android.

Why should you try Clarity Money?

• Link all your accounts in one place
• smart expense tracking
• personalized suggestions
• timely alerts

Installation: iOS and Android (free)

10. IOU – The ideal debt manager

IOU, also known as I Owe You, is something you should try to prevent your debt from getting worse and costing you precious sleep to run away. The app ensures that everything that matters is in sync thanks to a series of useful features such as recurring debts, history of paid debts , and partial payments. Avoid paying unnecessary fines with custom alerts for past due debts.

IOUs make it easy to lend and borrow money and things. Additionally, you have the option to securely share your debt with anyone. Email or SMS allows you to communicate with your debtor with the privacy you need. The app also offers cloud sync , so you can keep your data safe and accessible across devices. If you look at everything from the right perspective, IOUs have all the makings of a reliable debt manager.

Why should you miss out on a loan?

• recurring debt,
• Debt consolidation history
• partial payment
• cloud sync

Install: iOS and Android ($3.99/month)

Top personal finance management apps for iOS and Android

That concludes our roundup of the best personal finance apps for Android and iPhone. As outlined above, these apps are flexible and allow you to manage your finances at your own pace depending on your specific goals. It features tools like a savings planner, spending tracker, and real-time alerts to help you get your finances back on track. Now, which of these financial apps would you choose to manage your money wisely? We hope you’ll know which are your top financial assistants.