Most of us depend on paychecks, so we take our money very seriously. To stay on top of things, we tend to plan and track our expenses to make sure we cover things like insurance and car washes. This is basically called budgeting.

You have a certain amount of income each month that needs to be managed to keep it running smoothly throughout the month. Sometimes that might not be the easiest thing to do, and a personal finance application serves just that purpose.

These apps monitor your spending, savings, credit score, and more, allowing you to easily keep track of all your finances.

A cool addition to most personal finance apps is that they can now link to bank accounts on your phone, allowing you to easily assess where your bank money is being spent.

In this article, we introduce the top 10 personal finance apps to manage your money.

Our picks for the top 10 personal finance apps:

1. Empowerment

Empower tops our list for its various investing features and obvious expense tracking, available for both iOS and Android.

Formerly known as Personal Capital, the app allows its users to see the big picture of their financial situation and achieve short- and long-term goals.

One gripe, however, is that the interface isn't customizable enough, and that you have to use a minimum amount.

2. Mint

The most downloaded personal finance app is aimed at the average person on the high street. It can be customized according to the user's preferences, so it is very popular. Its most notable feature is the alert that keeps users away.

Its main advantages are that it offers a desktop interface and credit tracking is free. Pop-up ads may seem annoying, but it's still a great app that we highly recommend.

3. YNAB

You Need A Budget is one of the most popular financial apps because it has helped many clients out of debt. It allows its users to think about their financial situation so they can plan their future investments.

The biggest standout feature of YNAB is that you can share your track record, which is a great idea for spouses. However, the user interface is not very innovative and there is no concept of investment tracking.

4. Pocket Guardian

PocketGuard has a free and subscription-based model that displays the financial health of its users in a customizable pie chart. One aspect that reduces the number of users is that it is not completely free. Certain features are only available to those with a membership.

However, some people still use it because it shows you how much you can spend on certain categories like groceries in real time. There is also the option to link your bank accounts, which allows you to focus on saving and planning for the future.

5. A good budget

Like most other apps, this app is available for iOS and Android. Goodbudget has digitized the old-school method of budgeting (the envelope method). This type of scheme allocates a certain amount of money into categories to ensure that every aspect of a person's life is considered and their money is considered.

However, small things like manually adding fees can be deal breakers for some users. On the plus side, it's very affordable.

6. Hideout

In addition to all the features found in most personal finance apps, Stash makes investing easier! The way the app handles investing makes investing accessible to people from all walks of life.

Insurance aspects are also taken into consideration. The biggest setback is that they don't offer a free version, nor accept the concept of interest or taxes.

7. Honeymoon

Arguably the most interesting financial management app is Honeydue. Because it's for couples! The entire business model of the app is based on the development of better financial-related communication between partners.

The app makes the cash outflow between them clear. It's free and allows partners to have all their financial conversations in one place.

8.Place

Digit offers a free trial, after which users must sign up for a subscription to continue using it. This app is goal oriented. This means that the user sets a goal, such as B. to buy a car, and then the app keeps track of his budget.

It calculates the impact of expenses on goals and shows them progress. It has a user-friendly interface and encourages savings.

9. Prism

This finance app focuses on utility bills while handling all financial management in the background. It sets reminders for users to pay their bills on time to avoid late fees.

Prism is a completely free personal finance app that gives you a complete view of your financial situation.

10. Every dollar

Every penny counts, and that's what this app is all about. It keeps track of users' spending so they can be alerted when they are about to exceed their spending. It also connects users with financial advisors who can give them ideas on how to better manage their money.

All in all, EveryDollar ensures that users have a solid financial plan and that their monthly expenses are under control.

Central argument:

With so many financial apps available, choosing the right one can be overwhelming. However, by identifying your specific financial needs, you can choose the application that is right for them. Our top 10 list provides valuable insight into the best apps.

Whether you're looking for an app to help you save more, invest better, or manage your bills, there's an app for you.

So take a closer look at our recommended apps and take control of your finances today!