The Best Personal Finance Apps for Smart Phones in 2019

Written by: William Garriell

Managing money is some of the hardest yet easiest things for many people. Considering that we don’t carry a checkbook in modern-day world, tracking expenditure and bank balance can be hard for many people. Having said, personal finance apps can come into handy and connect with bank account to help in keeping up with expenditure.

In addition, personal financing apps can assist in identifying areas where a person has been spending too much. Also, these apps can track upcoming bill payments, enabling a person to pay bills remotely. Moreover, these apps help a person in keeping up with credit score and investment.

We have tested the popular personal financing apps and come up with the effective ones that will help users in managing their finances effectively. These apps can be downloaded on both iOS and Android:

You Need a Budget – YNAB

This app is considered best for paying off debt. This app works on four rules; provide each dollar with a job, accept the genuine expenses, age your money, and roll with punches. These rules not only help in building budget effectively but also allow a person to gain control over expenditure. This app can be utilized to import transactions by checking account and applying them to individual budget category, acquiring an accurate picture of overall expenditure.

A user can keep their budget by altering categories in case they spend unexpectedly. In addition, this app shows in-depth report about progress of expenses in a month, helping you identify areas where you can improve on spending. This app claims to save about $600 in the first couple of months and more than $6000 in the 1st year. The app can be downloaded free and comes with a 34 days free trial period.

Personal Capital

Personal Capital is a great app for funds management. It allows a user to manage personal assets and investments in everyday spending accounts. This app can integrate with 14,000+ financial institutions, allowing you to link your accounts within this app. Users can connect to bank account for tracking expenditure and building a monthly budget. This app has proven to help in tracking and optimizing investments.

A user can track portfolio through account, individual security, or asset class. By using the built-in intelligence available in the tablet version of this app, a user can identify various opportunities, manage risks, and discover hidden fees.

By comparing a personal portfolio with major market benchmarks, this app enables you to discover if you are moving on the right track to achieve investment goals. Personal Capital offers registered financial advisors who can give their opinions tailored for users’ financial goals.

Clarity Money

More companies have started adapting subscription models. It is common to lose track of subscriptions that a person has signed up. This app tends to stop users from wasting the unutilized subscription by uncovering and cancelling the unused subscriptions. Apart from getting rid of additional subscriptions, this app identifies spending behavior of a user and provides expert recommendations, improving on the users’ financial health.

Clarity Money enables a user to make consistent saving deposits, attaching a specific goal to a saving. A user can create various saving funds with different goals. Users’ saving deposits are facilitated by an FDIC insured bank that offers insurance of up to $250,000. This app keeps users on track along with the monthly budget by showing them how much they have spent if they have linked their debit and credit cards. In addition, users get an access to Vantage Score credit score by the Experian.


Mint is a great personal financing application. It is a popular personal financing app, offering comprehensive financial image of a person in a single place. After a person links their debit and credit card to an account. Mint fetches information about transactions, organizing them and showing your spending behavior. Moreover, this app helps in keeping a track of bills and expenses, creating a budget that a user can stick with. Moreover, Mint offers free of cost access to credit score that is a remarkable addition.

Moreover, a user can create a breakdown of various factors that contribute to credit score for maintaining profound credit card health. Also, users can track their investments and pay utility bills. For the bills that are payable manually, this app can send e-mail reminders or even add reminders for a due date. Above all, this app can be utilized to access an account by using a computer.


Prism displays all the bills and financial accounts in a single application, providing you with a comprehensive image of all the finances. This application touts about 11, 000 billers. After adding bills, Prism tracks your bills automatically, sending due data reminders and helping a user in avoiding late payments. This app can be used to pay bills and schedule payments that need to be made on the same day or in advance. On top, Prism eliminates the hectic of login into various accounts for bill payment.


Spendee offers creation of shared wallets with other people including family members and friends. The shared wallets can be utilized to manage expenses for household activities. A user can import transactions and enable this app to categorize them, helping you to tally how much you spend in each month. A user can manually include cash expenses for identifying where the money is going.



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