8 Incredible Budgeting Apps: Take Control of Your Money and Supercharge Your Savings

SAVING & SPENDING - BUDGETING & EXPENSES
Last updated Dec. 26, 2024 | By FinanceBuzz Editors
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Budgeting just sounds so un-fun. It conjures up images of penny pinching and math. (So much math!)

But, budgeting doesn't have to be like that. Not now, not with all the great new apps that make budgeting a breeze. With just a few clicks, you'll be on your way to taking control of your finances and building your savings. 

Let's take a look...

Get the one budgeting app that truly does it all

Ever look at your bank account and wonder where your paycheck went? *Poof,* it's gone … and you have NO idea how you spent it all so quickly.

A budgeting app like Rocket Money could end this problem for you.

Now, some insider info: They *do* have a free version of the app ... but the real money-saving power is found in their premium subscription.

Select a premium subscription when you sign up, and you’ll unlock features that actually save you the most money possible. Like their “Cancellation Concierge,” which helps to cancel subscriptions for you. (It’s pay-what-you-want for premium, too — as little as $4 a month!)

With your premium subscription, you’ll also be able to create unlimited budgets, see your full credit report, and get automatic “smart savings” that help you grow your savings on autopilot.

Download Rocket Money

Ohio Driver? Cancel your car insurance

We’ve got bad news. You could be wasting $600 every year on overpriced, second-rate car insurance. And you should probably cancel your existing insurance right now, because there’s something much better.

Our tool can tell you if you’re overpaying for your car insurance in just a few clicks. We match drivers with companies that report saving drivers up to $600 or more per year when they switch! Each driver’s savings will vary by driving history and how many discounts you’re eligible for. And once you try it out, you’ll never have to look for affordable insurance again because we find you the lowest rates that other companies can’t match.

Oh, and it’s also free. And come on — you can’t tell us you don’t want to save up to $600. To find out if you're losing up to $600 or more a year, just answer a few questions, and then make sure to enter your zip, dob, and email, to see if you qualify for a lower rate. It takes less than 2 minutes.

See if you’re overpaying

Get rid of $25,000 in credit card debt

The amount of outstanding debt you have is an important factor in your credit score. If you have a lot of credit card debt or you've been missing payments, it could be negatively impacting your credit score.

Freedom Debt Relief can work with your creditors to reduce credit card debt and get your finances back on track without needing a loan.

You could resolve your credit card debt in as little as 24-48 months with one low monthly payment, even if you don’t have great credit. The sooner you get your debt under control, the sooner you could start to work on improving your credit.

Freedom Debt Relief is America's largest debt company and has settled over $17 billion in debt and served over 1,000,000 clients. Take action now and start working toward a debt free future.

Check eligibility from Freedom Debt Relief

Earn cash back on everyday purchases with this rare account

Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1

With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!

This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Apply for a Discover® Cashback Checking account today

Get the budgeting app with automatic analysis and personalized tips

Creating a budget that factors in everything from credit cards to daily purchases to monthly expenses can be painfully complex — even when you can see it all in one place.

That’s where the Albert budgeting app comes in. With Albert, you get an automatic analysis of your transactions to help you maximize your money and savings.2

Take back control with the power of Albert’s automatic analysis features:

  • Suggestions on where you could be saving.
  • Alerts to monthly fees or bill increases.
  • See your subscriptions listed out so you can cancel unwanted ones.

Try Albert for 30 days before you’re charged: Subscription starts at $11.99 per month (which is worth it for what it could do for your money).

Just imagine the stress lifted off your shoulders when you’re on top of your finances with Albert.

Download Albert

Get the personal finance app former Mint users love for 30% off your first year (limited-time offer)

If you’re like most people, you don’t have extra hours to track your money and budget to the fullest. That means you could miss opportunities to save and grow your bank account.

The personal finance app Monarch could help with that problem. (You may have heard it’s the best alternative to Mint since it shut down. Those rumors are true.)

The Monarch app is like your personal finance guardian. It gives you an eagle-eye view of your money so you can track your cash flow, tackle your debt, analyze your investments, and more.

That means you’ll be set up to take control of your finances and build your savings faster.

Don’t take our word for it. The Monarch app is rated 4.8 and 4.9 out of 5 on Android and iPhone, respectively.

Just enter your email to get started. Then, set up your free trial and link your accounts quickly and securely.

Monarch is a paid subscription, but you could easily offset that cost by improving your budgeting and savings. And right now, you can get 30% off your first year with code WELCOME along with the free trial. But don’t wait too long … this rare offer is only around for a limited time.

Set up your free trial with Monarch

Know exactly how much you can spend until payday with this smart budgeting app

Living paycheck-to-paycheck is hard. It can feel like your hard-earned money is just vanishing out of your account.

A smart budgeting app like Simplifi could solve your money woes.

What sets it apart: Know exactly how much money you have left to spend with automatic spending plans. This smart feature tracks your income and monthly expenses, so you can decide if those new shoes you’ve been eyeing fit into your budget in an instant.

Plus, you can enjoy other helpful features like real-time alerts for things like unusual transactions or upcoming bills and set up and track customizable savings goals.

Make the most out of every paycheck and access all these tools and more for as low as $2.99/month.

Get started with Simplifi today

Get the all-in-one budgeting app that could put money back in your wallet

Ever felt the sting of overpaying for a subscription you barely use? How about a monthly bill that seems to keep going up and up? An extra $20 or $30 every week really adds up …

An all-in-one finance app like Hiatus could end this problem for you.

Hiatus helps you track and cancel subscriptions you no longer need, so you can stop worrying about forgotten free trials and unwanted recurring charges. Hiatus can also identify bills you may be overpaying on, then negotiate and lower them on your behalf.

Our tip: Go for the “Premium” version when you sign up. It’s only $10/month and gives you instant access to their most effective money-saving tools.

Download Hiatus

Rocket Money Benefits

  • Helps to find and cancel subscriptions
  • Slash your monthly phone, cable, and internet bills
  • Save an average of up to $720 a year