Do you find the activity of sorting out your daily, weekly, and monthly finances boring, time-consuming, or even overwhelming? At the same time, do you want to stay updated with your finances and achieve your financial goals? If so, then making it possible is now easier with accurate results! Personal finance smartphone apps are a great way to manage your money smartly and improve your financial outlook. Consider one of these six great personal finance apps for your daily and periodic spending, saving, and budgeting.
Mint is your all-in-one resource and the most popular budgeting app from Intuit to manage your money. You can sync your personal bank accounts, credit cards as well as monthly bills to your Mint account. It not only keeps track of your investment portfolio but also flags unimportant fees. Also, it automatically categorizes your monthly spending into many appropriate categories and analyzes your average monthly spending for each month which then becomes your budget. If you are overspending, it alerts you to reduce the spending manually. The on-the-go charts and graphs generated make it easier to know where you stand currently. Also, you receive notifications if your bills coming up and to go over your present budget.
Penny is an Artificially Intelligent (AI) chat box that can text you regarding your present finances. Upon linking your appropriate accounts, it can answer your specific money questions. For certain responses, it includes simple graphs, charts and even occasional gifs. You can use only pre-populated messages, such as ‘Breakdown for category’ and ‘Thanks, Penny!’. In addition, it provides crucial information such as your daily spending, updates of upcoming bills and what subscriptions are increasing their rates. It ensures minimal clutter as it is simply a long text thread, showing you only what you ask for.
3. Level Money
Capital One’s The Level Money℠ is a leading smartphone personal finance app that helps you spend with confidence, manage your money, save more and realize your financial balance. It breaks the numbers down into mini amounts instead of taking a monthly approach to making your budget. It also allows you to easily compare monthly spending and set-up personalized trackers to stay updated with specific types of transactions over time such as how much goes toward groceries and Uber rides, for instance.
This innovative tool automatically analyzes your financial outlook as well as personalizes and translates complex financial data into easily understandable information to keep you in control, on track and engaged with your personal finances. Level money seamlessly and automatically tracks your cash-flow, provides essential insights regarding saving and spending behaviors and reinforces positive habits.
4. Money Box
Designed mainly for Millennials (those aged 18-35), MoneyBox aims to ease your investing habit. In fact, it rounds up your everyday purchases and puts the additional money into stocks & shares information in order to help you start investing. After linking your debit card of your choice with your personal Moneybox account, you have to set the amount to be rounded up every month. It also allows you to make monthly top-ups that fuel your investment pot, thus managing your money with greater returns.
Pennies is a great resource to manage your money, especially when you are prone to overspending. Simply create a one-time weekly, fortnightly, monthly, and payday personal budgets with a beginning period, holiday budget, and an end time budget with a specific amount. With a simple and user-friendly interface and several spending categories (food, health, entertainment, etc.), it demonstrates how much money assorted for each category you have left for today as well as the complete budget period. Consequently, any money that you do not spend that day is rolled over for the next day, thus your daily budget is recalculated. As you come closer to your spending limit, the colors of spending categories change, making it quicker and easier to see your current financial status in respect to your budget design.
6. Money Dashboard
Money Dashboard is a great personal finance app to manage your money and a clever tool that keeps your informed on your financial incomings and outgoings, such as current accounts, credit cards and savings all in one place, giving you a true view of your finances. Since most accounts, transactions and balances get refreshed every day, you are up-to-date with your present financial position, just at a glance and on the go.
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