27 Best Personal Finance Apps

There’s no shortage of programs designed to help you save and grow your hard-earned dollars. They include budgeting systems and financial education apps, lightweight money management apps, and apps that instantly find better prices on planned purchases. 27 Best Personal Finance Apps in 2026

But it can be hard to make sense of the ever-expanding universe of money-saving apps on the market right now. That’s why we’ve put together this guide. It’s divided into three broad categories: budgeting and financial education apps, banking and investing apps, and cost-cutting apps.

Some are entirely free to use, others combine free and paid options, and others ask all users to pay by the month or year. But all have a common goal: to boost your fiscal health.

Best Personal Finance Apps: Budgeting & Financial Education Apps of 27 Best Personal Finance Apps in 2026

These apps help users create monthly budgets and spending plans, provide helpful guidance on tricky financial topics, or both. Many appear on our list of the best budgeting apps on the market.

Unless otherwise noted, all are compatible with Android and iOS devices and work on desktop and laptop machines as well.

1. Quicken Simplifi of 27 Best Personal Finance Apps in 2026

Quicken Simplified goes beyond basic budgeting to deliver a complete financial command center that brings together spending, savings, cash flow, investments, and retirement planning in one app. Unlike apps that only show past transactions, Simplifi helps you see what’s ahead so you can make confident financial decisions.

Built on Quicken’s 40+ years of financial expertise, Simplifi syncs with over 14,000 financial institutions through multiple top-tier data partners, providing the most complete real-time view of your finances available in any personal finance app.

Quicken Simplifi’s standout features include:

Spending Plan. Shows what’s available to spend or save right now, not just what you’ve already spent. Simplifi automatically builds a personalised monthly plan based on your income and expenses, which updates continuously as you spend. Customise it to fit any budgeting method (zero-sum, envelope, 50/30/20, or your own) and integrate savings goals directly into your monthly plan.
Projected Cash Flows. The only personal finance app that forecasts account balances up to 12 months ahead, automatically calculating upcoming income and expenses to help you prevent shortfalls and plan major purchases with confidence.
Investment & Retirement Tools. Track investment performance with professional-grade analytics like Time-Weighted Return and Internal Rate of Return. The retirement planner lets you model up to 15 variables, including contributions, tax rates, and returns, to test different scenarios.
Customizable Reports. Create unlimited reports with custom filters and tags. Simplifi is the only personal finance app with built-in tax reports for Schedules A & B and Form 1040, plus integrated credit score tracking.

Quicken Simplifi has earned recognition from PCMag as Best Personal Finance & Budgeting App TechRadar is recognised as the Best Affordable Personal Finance App, Forbes is noted as the Best Budgeting App for Managing Household Expenses, and Money Crashers is also included in this list of Best Personal Finance Apps.

The app costs $2.99 per month for the first year when paid annually (50% off), then $5.99 per month for consecutive years.

2. Monarch Money: One of 27 Best Personal Finance Apps in 2026

Monarch Money stands as the premier all-in-one money management platform with powerful budgeting, financial planning, and net worth tracking tools. As the Wall Street Journal’s and Forbes’ Best Budgeting App winner this year, Monarch offers an unparalleled suite of features that elevate it beyond a simple budgeting app – it’s the definitive financial management solution available today.

Monarch Money’s industry-leading features include:

Net Worth Tracking: Monarch Money’s customisable dashboard provides the clearest view of your net worth over time. It seamlessly pulls balance data and other information from your external deposit and investment accounts, owned real estate (via Zillow integration), and any other trackable assets you link. View your balance history to glean big-picture insights into your cash flow and savings.
Spending Insights: Use Monarch’s top merchants list to spot potential overspending while tracking your spending across custom categories. The innovative Swipe to Review feature lets you quickly process new transactions with a simple left or right swipe.
Transaction Management: Categorise and sort recurring and one-off spending using custom transaction rules and AI-powered automatic categorisation. Plus, see all your transactions at a glance, save receipt images, add notes, and flag any transactions for further review.
Bill Sync: Track statement balances, minimum payments due, and payments made on your credit cards and loans, all within Monarch. View upcoming bills and subscriptions in calendar or list format.
Collaboration: Share your money management duties with a partner, roommate, or anyone else you share finances with – at no extra cost. Each person maintains their login while having shared access to financial information.
Financial Goals: Create and track progress toward multiple customised financial goals with targeted amounts and timeframes. Assign specific accounts to individual goals and watch your progress automatically update.
Investment Tracking: Track your investment value over time across individual stocks, mutual funds, ETFs, 401(k)s, and cryptocurrencies (via Coinbase integration). Analyse your portfolio’s components to ensure you’re in sync with your financial plan.
Custom Reports: Save and revisit your favourite financial reports instantly with customised charts and data visualisations. Track spending trends, cash flow, tax-deductible expenses, and your savings rate.

Monarch Money offers all these superior features for $14.99 per month when paid monthly or $99.99 per year when paid annually ($8.33 per month). New users can experience the full platform with a 7-day free trial.

3. Empower of 27 Best Personal Finance Apps in 2026

Empower is a robo-advisor that makes money by managing users’ investment portfolios, not by recommending third-party financial products and services.

That means its budgeting tools come with no salesy recommendations for anything other than Empower’s wealth management service, which is not available to users with less than $100,000 in investable assets.

For users who don’t want or can’t afford to manage their money or retain financial planning services with Empower, there’s a nice lineup of free personal finance resources and budgeting tools available at no cost.

These include retirement and education planners, which help illuminate the cost of two major life goals (and estimate how much you need to save and invest to reach them), and a fee analyser that exposes the true cost of your managed investments.

The investment checkup feature, an allocation analyser, is a valuable tool for independent investors who don’t regularly rebalance their portfolios.

4. Tiller Money of 27 Best Personal Finance Apps in 2026

Tiller Money merges the granularity of old-fashioned spreadsheet-based budgeting with the convenience of a cloud-based app that syncs with nearly 20,000 external financial sources: bank accounts, broking accounts, employer-sponsored retirement accounts, and credit products like credit cards and personal loans.

No matter where you bank, borrow, and invest, your U.S.-based financial institution should sync with Tiller.

Tiller updates custom-created Google or Excel spreadsheets daily with automatically categorised transactions pulled from your synced accounts, theoretically enabling expense tracking for every dollar you earn. For example, a $50 grocery store purchase today appears as a “Groceries” or “Food” transaction (depending on your preference) tomorrow.

You’re always in control of your own categorisation rules and colour schemes, so your spreadsheets should always be easy to decipher, even if you don’t check them every day (or week). And you can always manually recategorise synced transactions if you’re not satisfied with your current spending categories.

Tiller offers an optional email alert feature that serves up a daily digest of your transaction activity to your inbox. If you manage your finances jointly with a spouse, domestic partner, roommate, co-parent, or anyone else or have a professional financial planner evaluate your cash flow from time to time, you’re free to share your spreadsheets securely with them.

Tiller Money offers a risk-free trial for 30 days from sign-up. You can cancel at any time without penalty during this period. Once the trial ends, Tiller costs $79 per year.

5. MoneyPatrol of 27 Best Personal Finance Apps in 2026

MoneyPatrol is a dashboard-based budgeting app that syncs with thousands of financial accounts, including nontraditional spending reserves like gift cards and prepaid debit cards.

If you’re spreadsheet-averse and prefer not to make rule-laden budgets, MoneyPatrol is for you — the heart and soul of its budgeting operation is the Alerts & Insights feature, which provides bite-sized bits of information by text or email.

MoneyPatrol has many charts, tables, and panels to help you analyse your budget and spending habits.

MoneyPatrol costs $59.99 per year after a 15-day free trial.

6. PocketSmith of 27 Best Personal Finance Apps in 2026

PocketSmith is a deluxe personal finance app with three plans, one of which is free:

Basic. The basic plan is the free version, and its limitations are evident. Unlike many digital budgeting platforms, PocketSmith’s basic plan supports only manual transaction importing—it doesn’t sync with external financial accounts. It’s also somewhat restrictive: It limits you to six months of cash flow projections, 12 budget scenarios, and just two accounts. If your personal finances are simple, basic might be all you need, but you need to upgrade otherwise.
Premium. For about $10 per month or $7.50 per month when paid annually, the premium version allows unlimited budgets, 10 external accounts, and cash flow projections up to 10 years into the future. It automatically syncs with external accounts and categorises transactions without manual input, making it easier when manual transaction importing becomes tedious.
Super. For about $20 per month, or about $14 per month when paid annually, the super plan allows unlimited accounts and cash flow projections up to 30 years into the future. If you maintain your financial plan, it can effectively replace a human financial planner at a significantly lower cost.

PocketSmith’s advantages include a bank feed that supports accounts in 36 countries and multiple non-U.S. currencies, both of which are excellent news for American emigrants and those attending university abroad.

It also has a budget calendar that helps you schedule monthly bills in an intuitive calendar view. PocketSmith also integrates seamlessly with Xero, a small-business accounting software product.

Best Personal Finance Apps: Banking & Investing Apps of 27 Best Personal Finance Apps in 2026

These apps help users manage their money in deposit accounts or investing accounts (or both). Many appear on our roundup of the best investment apps.

The Federal Deposit Insurance Corporation (FDIC) insures all deposit accounts, unless otherwise noted, up to the legal maximum per account type (currently $250,000).

7. Dough: 27 Best Personal Finance Apps in 2026

Dough is an automated money management app that keeps your finances in order without asking too much (or anything, really) from you. It’s compatible with Android and iOS and integrates seamlessly with the Cash App, PayPal, Venmo, and Apple Pay.

Douugh’s engine is an automated financial organization tool called Salary Sweeper. Using what it knows about your cash flow, Salary Sweeper sends income to one of three sub-accounts (Jars):

Bills, earmarked for near-term expenses you’re likely to incur in the next 30 days
Savings, which you can further segment for specific goals
Grow, an automated investment sub-account

If Douugh does its job—and it usually does—you should never be surprised by an unpaid bill or overdraft, and you should remain on track to achieve your longer-term financial goals. In the meantime, you can rest assured that the full balance of your Mastercard debit card (free with your Douugh account) is safe to spend.

8. Chime

Chime® is among the best online financial apps, especially because it promises early paydays. Some direct deposit customers get paid two days earlier than usual (most often Wednesday rather than Friday).

Chime also has no monthly fees – a significant advantage over traditional banks.

Chime’s spending account, basically a checking account, comes with a Chime Visa® Debit Card accepted at millions of locations worldwide. An optional savings account is a wonderful place to store funds you don’t need immediately, bearing in mind that withdrawals are limited by law to six per statement cycle.

The automatic savings feature is a rules-based tool that allows you to transfer up to 10% of each pay cheque to your savings account without manually doing so each time.

9. Stash

Stash is a micro-investing platform designed for self-directed investors who desire complete control over their stock portfolios. Stash allows you to invest in fractional shares.

This implies that you can buy individual stocks, bonds, and exchange-traded funds in as little as $0.01 increments, enabling you to build a truly diversified portfolio on a tight budget.

Stash has two plans, neither free. The lowest-priced plan, Stash Growth, costs $3 per month and offers:

A taxable investing account
A banking account¹ with an early direct deposit² (up to two days early) and Stock-Back^® Rewards³ on eligible transactions

The Growth plan costs $3 per month and adds a tax-advantaged retirement account.

The Stash+ plan costs $9 per month and adds a metal Stock-Back^® Card,¹ and you’ll get 1% back in stock on all purchases up to $1,000 each month. After you’ve spent $1,000+, you’ll earn 0.125% back in stock on every swipe, a monthly market insights report, and the option to add up to two custodial accounts to teach your kids about money.

An automatic savings tool is available at all price points.

For both Stash Growth and Stash+ plans, you’ll receive up to 3% back in stock at certain merchants with bonuses. For a full list and more details, see the Terms and Conditions.

For a limited time, new Stash customers get $5 at sign-up. To claim your $5, just open your account at the link below and fund it with at least $5.

Read our full Stash review for more information about this app.

10. Varo

Varo is an easy-to-use financial platform with two offerings:

Varo Bank Account. This checking account has an early payday option^ and no-fee overdraft up to $50 when you complete at least five Varo Visa® debit card purchases in each calendar month and receive at least $1,000 in total direct deposits into your account in
the same calendar month
Varo Savings Account. This high-yield savings account has one of the best annual percentage yields (APYs) around.

Neither account comes with minimums or hidden fees. Varo does ask customers seeking high savings yields to make an effort.

To maximize your savings account yield, Varo recommends you “[o]pen a Varo Savings Account and meet Varo’s three easy requirements to earn 5.00% Annual Percentage Yield* on balances up to $50,000 — one of the best online savings yields in the business. Otherwise, earn 3.00% APY. The three requirements are: Make at least five Varo Visa debit card purchases in each calendar month, receive total direct deposits of $1,000 or more in the same calendar month, and maintain a savings account balance up to $5,000.”

11. Qapital

Qapital is an excellent online stockbroker for novice and intermediate traders and a sound online bank for consumers looking to park daily funds. Although it doesn’t have a free plan, it does offer a set of powerful features that more than pay for themselves with consistent use.

These include the option to round up the change on every debit card transaction and a payday savings feature that automatically transfers a portion of your pay cheque into your savings account.

For $3 per month, Qapital combines these features with a checking and savings account. For $6 per month, it adds a low-cost investing solution with prebuilt portfolios that align with users’ investing goals and time horizons.

For $12 per month, it adds a Money Missions feature that coaches you toward financial optimisation (and, according to Qapital, it helps users save an average of $5,000 per year).

12. Robinhood

Robinhood is the original commission-free online trading platform and another excellent choice for novice and intermediate investors.

Although many other online stockbrokers now follow its commission-free lead, Robinhood continues to innovate with new features like a cash management account with competitive yields and access to alternative investments like precious metals and cryptocurrencies

Soon enough, Robinhood plans to roll out fractional share investing too.

Apply for a new Robinhood broking account and receive a free stock worth $2.50 to $200 per share for a limited time.

13. Acorns

Much like Stash and Twine, Acorns is a low-cost micro-investing and money management app that makes it easy to boost your portfolio’s balance through automatic roundups and recurring deposits.

Its prebuilt portfolios span a range of risk tolerances and investing objectives, from conservative (mostly bonds) to aggressive (all stocks).

For $3 per month, the Personal plan includes Acorns Invest, Acorns’ basic taxable investing account; Acorns Later, a tax-advantaged retirement investing option; and Acorns Checking, a checking account with no additional fees and opportunities to earn bonus cash.

And for $5 per month, the Family plan adds Acorns Early, a kid-friendly investment account that allows multiple minor accounts at no additional cost and provides family-friendly financial advice.

Plus, new Acorns Checking customers can earn up to $100 on the first $1,000 spent.

14. Digit

Digit is an automated savings app that skilfully and effortlessly accumulates funds for unexpected expenses or any of the numerous custom goals you can establish and fund within the app.

The secret is a powerful algorithm that uses historical cash flow data to learn how and when you spend your money— and how much Digit can safely add to your FDIC-insured savings balance at any given time.

For $5 per month after a 30-day free trial, which you can cancel at any time, Digit offers:

Unlimited savings goals you can create and customize
A 0.1% bonus on all savings balances every three months
Unlimited withdrawals
No minimum balances or spending limits
Automatic credit card payoffs — Digit saves up as you make only the minimum payment, then neutralizes your balance once you’ve saved enough

15. Titan

Titan is not your average personal finance app. Titan functions more akin to an active money manager, utilising sophisticated investment strategies typically only available to the wealthiest 0.1% — or, as Titan describes it, akin to a “world-class hedge fund within your reach.”

With a low minimum to invest (just $100) and multiple IRA options, it’s a solid choice for everyday folks with long time horizons. And, according to Titan’s back-testing data, its performance exceeds that of better-known competitors like Wealthfront and common benchmarks like the S&P 500 stock market index.

Titan does charge higher management fees than most robo-advisors: 1% AUM for accounts with investable balances above $10,000 and $5 per month for accounts with balances under $10,000.

But it waives performance fees (a mainstay of the hedge fund universe) and comes with SIPC insurance on balances up to $500,000.

16. Twine

Twine is a fun, low-cost app that helps you organise and reach your saving and investing objectives, helping you achieve your near- and long-term financial goals.

Twine utilises the appropriately named Twine Save and Twine Invest accounts to effectively manage your set goals. Simply open one or both accounts and begin creating customised savings goals— whether that’s a vacation, credit card debt, or a security deposit.

If you manage your finances jointly with someone else, such as a spouse, partner, roommate, or co-parent, invite them to the app and sync your accounts to work together toward your shared savings goals.

You’re not obligated to invest with Twine. If you do, it charges $0.25 per month per $500 invested, which works out to an annualised management fee of 0.6%—higher than most roboadvisors but lower than most full-service financial advisors.

Greenlight is a kid-friendly debit card with built-in parental controls. For kids, it’s the perfect way to take those first steps toward financial independence. And for parents, it’s a vital financial education tool that doesn’t put hard-earned parental or filial funds at risk.

Greenlight offers some clutch money management features for kids and parents alike:

An in-app chore list that makes it easy to reward kids for jobs well done (around the house) via funding reloads
Allowance transfers that can be automated on a weekly or monthly basis without any manual deposits
Real-time parental notifications whenever minor users swipe, tap, or enter the Greenlight card
Customizable spending rules parents can set for kids
Customizable earning, spending, and saving goals kids can set for themselves.

Greenlight’s debit card plan (Greenlight) costs $4.99 per month, per family. Greenlight + Invest adds a kid-friendly investing platform with full parental control for about $3 more per month. And Greenlight Max tacks on identity theft protection, cellphone coverage, and purchase protection for another $2 per month.

18. Copper Banking

Copper is another kid-friendly money management app. Unlike Greenlight, which is appropriate for younger children in addition to tweens and teens, Copper is marketed squarely at the teen demographic: 13- to 17 year-olds (and their parents, of course).

The Copper debit card is accepted at countless merchants nationwide and offers free cash withdrawals at more than 55,000 ATMs. With the Copper app, parents can monitor teens’ spending and top up their accounts within minutes. Meanwhile, teens can take advantage of an automatic savings tool that reinforces the value of a dollar.

19. EarlyBird

EarlyBird is yet another kid-friendly money management app built on the idea that wealth-building should be a lifelong pursuit, not something to be done in a hurry as one approaches retirement age.

EarlyBird empowers adults (whether they’re parents, relatives, or friends) to give the gift of wealth to minor users. Gift-givers can easily deposit funds into the custodial accounts of minors, and if they feel inclined, they can even leave a personalised video message to announce their gifts.

Like other robo-advisors, EarlyBird invests account funds in risk-appropriate portfolios composed mainly of low-cost ETFs. Accounts are semi-customised and SIPC-insured up to the legal maximum, providing parents and other gift-givers with valuable peace of mind.

EarlyBird doesn’t charge for the first $200 under management on the platform. After that, there’s a monthly subscription fee of $1 per child. The gift processing fee is always $2 per gift.

Best Personal Finance Apps: Cost-Cutting Apps of 27 Best Personal Finance Apps in 2026

These apps help users reduce or avoid expenses. Some do this by tracking and eliminating redundant or unnecessary bills, while others offer discounts or rewards on planned purchases.

You’ll find a couple on our list of the best shopping reward programs and apps.

20. Trim

Trim is an AI-powered virtual assistant that saves users money on obligations like bill payments, subscriptions, and credit cards.

To get started, simply connect any accounts you’d like Trim to track. Trim then goes to work—analyzing your spending patterns and pointing out opportunities to save.

Trim’s free offering includes a financial dashboard that displays all linked accounts, including important financial details such as overdraft fee tracking and notifications, personalised alerts, bill reminders flagging pending due dates, and a feature that lets you cancel subscriptions you no longer need.

Trim has some paid value-adds, including:

A high-yield savings account that pays a 4% annualized bonus on the first $2,000 saved and includes an automated savings feature
Bill pay negotiation (Trim negotiates directly with your payees and tries to reduce upcoming bills)
A debt payoff feature that could help you pay down high-interest credit card debt faster (and potentially raise your credit score as a result)

Trim isn’t clear about pricing for savings or debt payoff. Trim’s bill negotiation service costs 33% of any yearly savings. If Trim can’t lower your bills, you won’t pay a dime; if it can, it takes about a third of the windfall.

21. Truebill

Truebill is a lot like Trim: a user-friendly assistant that helps users reduce recurring expenses and pay down debt faster.

With visibility into deposit and investment account balances in addition to billing accounts, Truebill’s financial dashboard is even more comprehensive than Trim’s. And like Trim, it has a free subscription cancellation feature.

Truebill’s paid bill negotiation feature is a bit pricier than Trim’s. Truebill takes anywhere from a 30% to 60% cut of any negotiated savings.

22. Billshark

Billshark is another financial assistant in the Trim and Truebill vein, though it’s even more narrowly focused on two money-saving functions: negotiating bill balances downward and cancelling subscriptions that busy users have forgotten about (or just don’t have the energy to cancel).

Both features are paid. Bill negotiation costs 40% of any savings and nothing out of pocket if Billshark is unsuccessful.

The cost of cancelling a subscription is $9 per subscription, which is a minor expense compared to Trim’s and Truebill’s freecancellation features.

23. Capital One Shopping

Capital One Shopping is a powerful free app and browser plugin built to help users save money on purchases they were planning to make anyway — and deals too good to pass up.

The money-saving browser plugin is the real standout here. When you shop on Amazon, it automatically searches hundreds of other online merchants to find a better deal. If Amazon has the best price, it lets you know.

And when you shop at non-Amazon retailers, Capital One Shopping automatically looks for coupon codes and other discounts to reduce your final price.

24. Honey

Like Capital One Shopping, Honey is a free browser plugin that searches hundreds of sources to find better prices.

The plugin works on thousands of retailers’ websites, offers countless active promo codes, and automatically compares prices on Amazon with those of numerous competitors.

According to Honey, the average discount is nearly 18%, and the average user saves $126 annually.

25. Ibotta

Ibotta is a free cashback app that works for online and in-store purchases with more than 1,500 retail partners.

Use the browser extension or mobile app to earn instant cashback on digital purchases or link your store loyalty accounts to earn cash back on in-store purchases within 24 hours, or use the Ibotta mobile payments feature to earn instant cashback at the point of sale.

You can even use the app to submit paper receipts for cashback. Location-enabled alerts for nearby offers ensure you never miss an opportunity to save when you’re out.

For a limited time, get a $20 welcome bonus when you join Ibotta.

26. Fetch Rewards

Fetch Rewards excels at one thing: saving users money on grocery store purchases. Fetch partners with hundreds of popular brands to offer rewards on thousands of products every day.

Fetch will tally your rewards and deposit them into your account after you scan your receipt.

Redeem for more than 100 different retail gift cards or opt for a Visa or Mastercard gift card that’s accepted at millions of locations worldwide.

27. Dosh

Dosh users automatically earn cashback on eligible spending with partner retailers, restaurants, travel merchants, and more.

The process couldn’t be simpler—just link your cards to the secure app, spend as you normally would, and watch cash back appear in your Dosh account. With more than 100,000 locations eligible to earn cashback through Dosh, you’re never far from your next opportunity.

Cash out by bank transfer, PayPal, or Venmo once you hit $25 in accrued rewards.

Final Word of 27 Best Personal Finance Apps in 2026

Each of these apps strengthens users’ finances in some way, whether by making it easier to track spending, reducing overspending, finding opportunities to trim bills or reduce the impact of planned expenditures, or painlessly squirrelling away funds for a rainy day.

Even those that charge for their services—and many do—more than justify their cost with consistent usage.

And there’s no limit on the number of money-saving apps you can use to make sense of your personal finances.