Best Budgeting Apps for iPhone and Android in 2025

Managing finances can feel overwhelming, especially without the right tools. That’s why people love to use budgeting apps to manage their expenses and more. Then, here is the question: what is the best budgeting app? In this blog, we’ll introduce the 8 best budgeting apps for iPhone and Android in 2025, showing their features, pricing, and benefits. What's more, we’ll also share why budgeting apps are so important for financial planning and how you can save even more money with an unexpected tool such as a free VPN.

YNAB: Plan Ahead for Every Dollar You Earn

YNAB, as its name shows “YOU NEED A BUDGET”. It is your personal finance coach, designed to help you take control of your money. Built around the principle of assigning a job to every dollar, YNAB ensures every penny has a purpose, giving you clarity and confidence in your financial decisions which is definitely one of the best budgeting apps.

Shared Budgeting for Households: Invite up to 6 people to collaborate on a single subscription, perfect for families or roommates.

Automatic Transaction Import: Sync bank accounts and credit cards to track expenses in real time, with manual entry options.

Loan Calculator & Debt Paydown Tools: Visualize interest savings and create payoff plans for loans or credit cards.

Spending & Net Worth Reports: Analyze trends with customizable reports to spot habits and measure financial progress.

Goal Tracking: Set targets for emergencies, vacations, or large purchases, and monitor savings progress.

Intuit Mint: Monitor Spending and Tracking Net Worth

It's easy to manage your money with Intuit Mint. Intuit Mint, one of the best budgeting apps, is a powerful, user-friendly personal finance app.

Budget Creation & Tracking: Set personalized budgets for categories like groceries, entertainment, or utilities, and receive alerts when nearing limits. H

Expense Categorization: Automatically sorts transactions into spending categories, highlighting trends and potential savings opportunities.

Net Worth Calculator: Aggregates all linked accounts (assets and liabilities) to display your real-time net worth.

Bill Payment Tracking: Get reminders for upcoming due dates and avoid late fees with bill-tracking alerts.

Credit Score Monitoring: Free access to your credit score and factors influencing it, updated monthly.

PocketGuard: Budget App and Financial Planner

Still looking for the best budgeting app on the market? Then why don’t you try PocketGuard? PocketGuard aims to simplify budgeting by showing how much disposable income you have after accounting for bills and necessities.

Effortless Cash Flow Tracking: Automatically monitor your income and expenses across multiple accounts.

"In My Pocket" Feature: See exactly how much money you can spend right now. PocketGuard calculates your safe spending amount after subtracting bills, needs, and savings, so you always know what’s left to use without worry.

Custom Savings Goals: Set tailored savings targets and monitor your progress over time. Whether it’s for a vacation, emergency fund, or a big purchase, PocketGuard keeps your goals within reach.

Multi-Account Support: Manage all your financial accounts from one place, ensuring seamless tracking for a more organized and stress-free financial overview.

Goodbudget: Best Budgeting App for Android

If you are searching for the best budgeting App for Android, Goodbudget is the one! Built on the time-tested envelope budgeting system, it allows you to allocate your funds into virtual “envelopes” for different spending categories, ensuring every dollar has a purpose.

Sync Across Devices for Seamless Use: Connect and share your budget in real time across multiple devices.

Envelope Budgets for Easy Planning: Create custom envelope budgets for categories like groceries, rent, entertainment, and more.

Flexible Expense Tracking Options: Track your expenses manually for added awareness or sync transactions from linked bank accounts for convenience and automation.

Detailed Spending Reports and Goal Trackers: Gain a complete view of your financial habits with in-depth spending reports.

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EveryDollar

Taking control of your finances can feel like a challenge, recognized as one of the best budgeting Apps for iPhone, EveryDollar aims to make it simple and effective. Created by famous financial expert Dave Ramsey, this budgeting tool is rooted in the zero-based budgeting system, ensuring every dollar you earn is planned for something specific.

Plan Your Finances Down to the Dollar: EveryDollar helps you give every dollar in your budget a specific job, from covering monthly bills to saving for long-term goals.

Effortless Expense Tracking: Track your spending in real time and link your bank accounts for automatic updates.

Expert Financial Coaching for Premium Members: Upgrade to EveryDollar Premium to access personalized financial coaching services.

Spendee

If you’re juggling multiple currencies or seeking a more personalized way to manage your money, Spendee, recognized as one of the best budgeting Apps available, could be just what you need.

Expense Tracking in Multiple Currencies: Whether you're traveling abroad or managing international finances, Spendee allows you to track expenses in multiple currencies with ease.

Shared Budgets for Seamless Collaboration: Team up with family members or partners to create and manage shared budgets.

Customizable Categories for Detailed Budgeting: Tailor your budget to fit your lifestyle by creating custom spending categories.

Bill Reminders to Avoid Late Fees: Never miss a payment again with Spendee’s handy bill reminder feature.

Wally

Wally is an ideal tool that shows you exactly where your money goes. As one of the best budgeting App free available on iPhone, Android, and web browsers, designed to empower users with advanced analytics and intuitive budgeting tools, Wally helps you take full control of your finances.

Advanced Financial Analytic and Budgeting Tools: Wally provide users with useful financial insights that allow you to analyze your spending habits and let you know where need to be improved.

Multi-Currency Support for Global Users: Perfect for travelers or those managing finances across borders, Wally supports multiple currencies, allowing for seamless budgeting and tracking no matter where you are.

Bank Syncing for Automated Transaction Tracking: Save time and effort by connecting Wally to your bank accounts.

Detailed Financial Reports for Expense Tracking: Easily generate monthly financial reports that give you a clear picture of your expenses.

Zeta

Zeta, one of the best budgeting App for couples, is a platform specifically designed to help handle shared money tasks and improve how you talk about family finances together. With tools like joint accounts, and splitting bills, this tool makes it easier for couples to manage money as a team.

Track Shared and Individual Expenses: Zeta provides clarity by distinguishing between shared and individual spending.

Customizable Categories for Better Spending Insight: Tailor your budget to fit your lifestyle by creating custom spending categories.

Monitor Joint Accounts with Full Transparency: Keep joint finances stress-free with Zeta’s account monitoring.

Bill Tracking and Real-Time Approval for Big Expenses: Zeta’s bill tracking feature ensures you never miss a payment, while its real-time approval system brings an added layer of transparency for large purchases.

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The best budgeting apps go beyond spreadsheets and old-school notebooks. They provide clarity and tools to streamline financial management. Here are some key benefits you may be interested:

Track spending automatically: Apps like Mint categorize expenses and show you exactly where your money is going, eliminating the guesswork.

Set and achieve financial goals: Budgeting apps help you define saving goals and break them into actionable steps.

Improve financial awareness: By reviewing spending habits regularly, you become more mindful of where your money is going, helping you make better decisions.

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Conclusion

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