Best Budgeting Apps of August 2025: See How You Can Clean Up Wasteful Spending

Last updated Aug. 2, 2025 | By FinanceBuzz Editors

Find the best budgeting apps to take control of your finances. Compare top money management software and apps that help cancel subscriptions automatically. Whether you're budgeting, paying off debt, or planning for big expenses, these tools can help streamline your financial life.

Hiatus
2.4
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  • Track spending, bills, and accounts with easy-to-use money management tools
  • Get a full view of your cash flow so you’re never caught off guard
  • Use smart budgeting software to stay ahead of every financial move
  • Combines subscription tracking with in-app bill negotiation

Origin
4.1
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  • Unite your finances with powerful spend tracking and budgeting tools
  • Gain valuable insights into your spending, subscriptions, and cash flow
  • Create a personalized budget with custom categories and real-time notifications
  • Origin users save around $1,300 every year by bringing their financial life into one subscription1

Albert
4.4
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  • Automated budgeting that adapts to your spending habits
  • Track your cash flow and expenses with intuitive money management tools
  • Set and achieve savings goals effortlessly with smart budgeting software
  • Access real human financial advice through the Genius feature

Monarch
4.7
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  • For a limited time get 50% off your first year with code MONARCHVIP
  • Stay on top of your monthly budget with real-time tracking
  • Hit your savings goals faster with personalized planning features
  • See your investments and net worth in one clean, easy-to-use dashboard





Frequently Asked Questions

Are budgeting apps worth it?

Yes — using one of the best budgeting apps can transform how you manage money. These tools help you track spending, set savings goals, and stay accountable—all in real time. Many apps offer built-in money management tools like cash flow analysis, automatic expense tracking, and reminders for recurring payments. Whether you're trying to save more, reduce debt, or simply gain control, budgeting software gives you a clear path forward without the need for spreadsheets or manual tracking.

Get started today with Rocket Money

How do I create a budget?

Start by identifying your total income after taxes. Then list your fixed expenses (rent, insurance, subscriptions) and variable expenses (groceries, dining out). A good budgeting app will automatically help you categorize these, offering money management tools that make the process simpler and more accurate. Once you’ve set spending limits by category, you can track everything in real time and adjust as needed. Using a top-rated budgeting software means you’re not just guessing—you’re making informed decisions that help you save and stay on track.

Get started today with Rocket Money

What are the 3 Ps of budgeting?

The 3 Ps — Paycheck, Prioritize, Plan — are a simple way to structure your finances using any solid budgeting tool:

  • Paycheck: Know your take-home income and what’s available to allocate.
  • Prioritize: Focus on essentials, savings, and cutting unnecessary expenses (like unused subscriptions).
  • Plan: Use money management tools to map out how much to spend, save, or invest every month.

This method is especially effective when combined with budgeting apps that help automate these steps and alert you to areas where you're overspending.

Get started today with Rocket Money

What is the 50/30/20 rule?

The 50/30/20 rule is a budgeting method that helps you split your income into three key areas:

  • 50% for Needs (bills, rent, groceries, recurring payments)
  • 30% for Wants (entertainment, travel, shopping)
  • 20% for Savings and Debt Repayment

It’s popular among users of the best budgeting apps because it’s simple to follow and easy to automate. Many money management tools allow you to track how closely you stick to this rule and adjust based on your financial goals.

Get started today with Rocket Money

Can budgeting help me save more money?

Absolutely. Budgeting helps you track spending, reduce financial stress, and find extra money to save. By using budgeting software or a modern money management app, you’ll get insights into where your money goes and how to reallocate it more effectively. These tools often include features like alerts for recurring charges, help to cancel subscriptions, and personalized spending recommendations. The result? You save more without making major sacrifices—just smarter decisions.

Get started today with Rocket Money

Rocket Money
4.6
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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
Lower your bills

How we chose these products

FinanceBuzz evaluated a variety of budgeting apps, looking at various features like ease of use, expense tracking and budgeting capabilities, and overall value. We did not review every budgeting app available, and compensation from partners was considered when selecting and ordering the apps featured.