Be sure to include the following information: Alternatively, you can use a notebook or ledger sheet to create your own simplistic or detailed budget.Ĭhoose the budgeting tool that works best for you. ![]() ![]() Mint also offers free budget spreadsheets on its website. Microsoft Excel has templates available that you can download to a computer. You can create a budget and track your spending manually.īudgeting templates are also available online. Choose an app that’s compatible with your device.Ī budgeting app isn’t the only way to keep track of your spending.Use the free trial period as an opportunity to find out how well each app works.You may need to try out a few different apps before you find the one with the features you want and need. The best budget app for you is the one you’ll actually use. Safe - as long as you choose a reputable app and protect your phone.Allow access to your financial information via smartphone.An assortment of tools designed to help you understand where your money’s going and set savings goals.Easy-to-use interfaces to keep in touch with your finances.Support: Assistance is available via email or the support portal.īudgeting apps offer several advantages over manual budgeting methods: The Benefits.Linking: Yes, you can connect to cash, credit card, loan and investment accounts.Unique feature: Personal Strategy tool for analyzing your portfolio.Categories: You can create up to 30 custom categories.Target users: Investment-focused budgeters and those planning for retirement.If you’re an active investor, use the Personal Strategy tool to take stock of your current portfolio. Use the dashboard to get an overview of your financial life. Personal Capital shows you your net worth, assists you in managing your investments and helps you plan for retirement. Support: Help is available via email and the online community YNAB also offers videos, a podcast and free workshops.After that, purchase a monthly plan for $11.99 or an annual plan for $84. Ability to transfer money: Transfer money from one budget category to another.Linking: The app links to bank accounts.Unique feature: The website has an impressive library of lessons that explain how and why to budget.Goal setting: You can create and set goals to fit your lifestyle.Categories: Customize categories to fit your needs.Target users: Best for visual learners and those who like detailed reports.The combination of an easy-to-use interface, an impressive learning library and a robust online community make this the best debt app. Visual learners will appreciate the detailed graphs and color-coding, which give a quick glimpse of how much money you’ve spent. It’s an excellent choice for zero-based budgeting. You Need A Budget - also known as YNAB - tracks your spending and lets you know how you can pay off your debt, start saving and more. Support: Help is available via live chat.Ability to transfer money: Not available.Linking: The app connects with your bank accounts to keep you up to date on your finances. ![]() Unique feature: The app keeps track of your spending and sends you alerts.Goal setting: Goals are also included in the budget.Categories: Income, Miscellaneous, Entertainment, Education, Shopping, Personal Care, Health & Fitness, Kids, Food & Dining, Gifts & Donations, Investments, Bills & Utilities, Auto & Transport, Travel, Fees & Charges, Business Services, Taxes.Target users: Personal finance newbies and in-depth budgeters.If you want a friend or family member to budget alongside you, Mint notes that you can sign up for a separate account in their name and link it to your bank and credit card accounts. ![]() You can categorize your budget and receive an alert when you exceed your limit. It connects to all of your bank accounts and automatically updates whenever you make transactions. The Mint budgeting app helps you balance your budget by tracking your expenses.
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