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    9 Money Management Apps Other People Love To Use (And You Might, Too)

    "It helped me mindlessly save over $20,000 in just under three years."

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    Raise your hand if you or someone you know uses their phone to manage their finances.

    Paramount Pictures

    Money management apps help us take control of our budgets, spending, debt, and even retirement (no professional needed). But since there are so many to choose from, we asked members of the BuzzFeed Community — and consulted experts — to find out which finance apps are actually worth your time.

    Here are their picks:

    1. YNAB (You Need A Budget) helps you create monthly budgets based on the money you have available in your accounts.

    A person holding a phone showing the YNAB app, which specified different money amounts allocated toward school, water, ent, groceries, gas, gifts, and other categories

    "I use YNAB to create custom categories for everything — Christmas gifts, groceries, a new car, utilities, fun money, pet expenses, and more. I know exactly how much I can afford in any category before I spend any money. When I want to buy something, I don’t check how much money is in my account anymore. Instead, I check YNAB. It taught me how to manage my money so I’m not living paycheck to paycheck anymore. Now, I live on last month's income." —lindsay1erickson

    "I love YNAB! Most budgeting apps are reactive, meaning they show you where you've spent your money. YNAB is proactive because it forces you to make a plan for your money. It helps me look at the bigger picture, such as planning for irregular expenses and saving for financial goals." —Erin Gobler, Millennial Money Coach

    While YNAB gives you a nice, neat spread of categories as a jumping off point for budgeting your cash, it's fully customizable — you can add categories that are more on-par with your lifestyle, and remove ones that aren't. YNAB offers a free trial for 34 days, then options to pay $11.99/month or $84/year. BTW, if you're a college student you can get YNAB free for one year. After that, you get a one-off 10% discount.

    Download from: App Store or Google Play

    2. Albert keeps an eye on your account balances to make sure you don't overspend. You can also use it to automate your savings — and you'll get an annual cash bonus out of it!

    A rendering of phone screens; one shows money available in investments and savings, and another shows instant funds available and a level of overspending risk

    "I use Albert to automatically put money toward my own personalized savings goals each week. I've managed to passively and mindlessly save over $20,000 in just under three years! It also offers insight into my spending habits and offers a 'month in review' to show my overall spending. They offer a service where Albert employees help you lower your monthly bills — sometimes by an outrageously uplifting amount." —ameliaburnett

    Albert also offers guidance from advisors who can help you invest with as little as $1.

    Download from: App Store or Google Play

    3. Mint tracks your spending, reminds you of upcoming bills, and provides personalized tips based on your habits. It's kind of like a personal assistant just for your finances.

    Part of a phone screen showing a total amount of money from cash, credit debt, and investments

    "I've used Mint ever since I got my first job as a teen, and I still use it now as a salaried adult in the professional workforce. You can sync it to your bank accounts to categorize your spending and set budgets. You can add offline things, too, like rent and cash income, which came in handy when I was a waitress! I love that I can check my credit score and compare my month-to-month spending. I can also tag certain tax-related items to view quickly at tax time." —carlyl471ebac9a

    I use Mint myself, and one of my favorite features is being able to have an overview of all my accounts in one convenient place. Instead of having to log in to multiple accounts to check a balance or transaction, Mint quickly shows me my investments, savings, and loans.

    Download from: App Store or Google Play

    4. Zeta helps couples manage their finances together. At the same time, it also lets each individual keep track of their independent spending (so you won't need another app to keep some of your budget separate from your partner's).


    "It's easy to use, and you can connect your bank accounts and designate which ones are seen by your partner and which ones are not. But my favorite feature is that the app will ask you if a recurring expense is a bill. For example, I had a new bill that I hadn't added to my budget in the app yet. The app realized the payment was automatically being deducted and asked me if I wanted to add it to my budget, which made life a little easier. They also send you a weekly email letting you know where your money went, which makes analyzing your spending simpler." —Alanna Anthony, Certified Financial Educator & Founder of Financialdemics

    The app also gives couples the option to share a bank account and receive two cards (one for each person).

    Download from: App Store or Google Play

    5. Acorns makes investing money less intimidating and more passive. It puts your spare change from everyday purchases toward stock portfolios, so you can watch those nickels and dimes grow.

    A phone screen showing the Acorns app, which specifies money for investing, spending, and earnings offers

    "For those new to investing, Acorns is a great app. Just answer a few questions about how you want your portfolio to look — then the app does the hard work for you, and you'll get to watch your money grow over time! You can turn on a feature called 'round up,' which allows you to round all your purchase amounts up to the nearest dollar. Then, the difference is invested for you." —kats469b4463f

    Acorns also offers retirement, checking, and savings accounts. Plus, it features stores and companies — like Walmart, GrubHub, and Nike — that will give you a percentage back from what you spend, so you can invest it.

    Download from: App Store or Google Play

    6. Digit squeezes every available dollar out of your account and puts it toward your savings goals. So if you've been telling yourself "you can't possibly save anymore money," Digit will help you find some spare cash to tuck away.

    A phone screen showing the Digit app, which shows money in a rainy day fund and credit card fund

    "Digit is awesome. It really helps keep track of how much money I have. It also lets me save money without even realizing it." —jliz0801

    Another personal favorite of mine! First, sync your checking account and create savings goals. Then, every day Digit will pull small amounts of money from your account and channel them toward your goals (you won't even have to log in to the app or anything). It has a feature to prevent account overdrafts, and you can specify a savings limit, which is handy for prioritizing certain goals over others.

    Download from: App Store or Google Play

    7. PocketGuard combines the automatic saving powers of Digit, the expense tracking pros of YNAB, and the account linking advantages of Mint.


    "It’s the simplest budgeting app I’ve found. It is a slimmed-down version of just about every other app I’ve tried to use. If you struggle with budgeting apps because they're time-consuming or complicated, try this one!!" —meganm4f2ac78aa

    Like YNAB, PocketGuard allows you to customize your spending categories and understand how much money you actually have left to spend. It also lets you connect all your other financial accounts (credit cards, loans, other apps, etc.) so you can see everything in one place. And, it'll even let you automatically put small amounts of money toward different goals (very much like Digit). Plus, when you connect your bills to the app, it'll notify you of ways you can save a little extra money on those expenses.

    Download from: App Store or Google Play

    8. Betterment basically gives you a robo adviser in your pocket that helps you invest, plan for retirement, and save money.


    "I wanted to invest but wasn't good at using apps like Robinhood. This app does all the work for me!" —musicbabe1999

    If you're interested in investing, the app will recommend portfolios that suit your needs and time frame. It also helps you save money for big purchases you'll make soon (like that new couch or a KitchenAid stand mixer) and offers interest on your savings so you can reach those goals a little faster. And if all you really need is a no-fee checking account, they've got that, too (you'll also get a debit card with it).

    Download from: Apple Store or Google Play

    9. And, Personal Capital essentially gives you a bird's-eye view of your finances so you can stay in the loop (and thus, stay in control of your money).

    A laptop showing a chart depicting a retirement planning page with savings goals and income events
    Personal Capital

    "Personal Capital is another app I use to help me track my net worth. It lets you see what assets you own, who you owe, your bank account balances, and your investments. It also tracks your spending in your checking accounts, so you get a full picture of where you stand financially." —Alanna Anthony, Certified Financial Educator & Founder of Financialdemics

    The platform also offers a retirement planner feature. You can use it to get a personalized financial projection several years into the future. Plus, it even accounts for the fact that your financial position may change as you change jobs, buy a house, pay off debt, or take on more debt.

    Download from: App Store or Google Play

    What are your favorite money management apps? Let us know in the comments below!

    Note: Reviews have been edited for length and/or clarity.