You can create custom goals within the app for any goal toward which you are saving. All you need to do is input within Oportun how much you want to save and when you want to hit that mark. The app calculates an appropriate amount to deposit in either your savings account or a retirement account each day, taking the task away from you. Whether that goal is growing your emergency fund, saving for a vacation, building a down payment for a home or paying off debt-Oportun can help. Oportun uses machine learning to guide you each day closer and closer to achieving your goals. Oportun (formerly known as Digit) takes this exact approach, making saving money less of a hassle. The platform is accessible from a mobile device, tablet or desktop.įor some, the mantra of “set it and forget it” is best when it comes to personal finance. For example, the free version gives each account 20 envelopes for organizing your finances, while the paid version gives you unlimited envelopes. The plus version contains all of the same features, but with extended capabilities. The free version is very similar to the paid version. Additionally, Goodbudget provides educational resources, including budget bootcamp webinars, podcasts and informative blog posts to further your financial prowess. The Goodbudget app is also great for managing a shared household budget, as you can sync the budget with more than one person. This method is excellent for saving for a large purchase, saving for a down payment for a home or simply paying down debt. This principle is modeled after Kakeibo, which means “household account book” in Japanese. With the Goodbudget app, you can use this same budgeting method, but digitally. It involved physically dividing your funds up into envelopes labeled with their purposes, such as rent, groceries, bills and typically one envelope for fun. The envelope system is one of the original ways to manage money. Mint uses multi-factor authentication, multi-layered hardware and software encryption to help ensure the data customers input is protected. Mint scored extremely well in our rankings for its security features. One thing to keep in mind with any budgeting app is the increased risk for your data being compromised. Whether it’s a late fee, overdraft fee, missed payment or reminder to pay a bill, the app will alert you prior to these situations’ happening.

This is a great feature, as Americans pay billions of dollars a year in overdraft and late fees. In addition, the app creates personalized insights into your spending to help you spend smarter, save more and pay down debt.Īdditionally, Mint provides alerts for bank fees or upcoming bills due. In the app, you are easily able to create a budget for yourself, and all of your purchases will automatically categorize. The standout features of Mint are the customizable budgets and alerts. Simply plug your bank login information into the app, and your financial activity will import to Mint. With the Mint app, all of your banking activity is easily integrated through your bank login. These features are helpful for tracking multiple credit cards, paying monthly bills, managing debt and growing your net worth. The app provides several features to monitor and analyze your personal finances, including personalized insights, customizable budgets and subscription monitoring. 1 most downloaded personal finance app, Mint is an excellent budgeting app choice for the everyday consumer. Read our 5 Best Investment Apps For Managing Your Portfolio.Īdvertised by its parent company Intuit as the No. From there, the app will gather information to produce a full financial picture.

Getting started with the app is simple-all users need to do is link bank accounts, credit cards, student loans, mortgages and other line items from their budget. Empower also has a desktop version, giving users a multiplatform option for managing their finances. The list of features may sound overwhelming, but the app is easy to use. All of these tools give detailed insights into your current financial picture, while also helping you plan for the future. It also has excellent advisory tools, including an investment checkup, investment fee analyzer, financial planning, cash flow tracking, education cost planning and real time net worth tracking. The app has several savings tools designed to help build retirement savings and emergency funds, and pay down debt. Empower gives a holistic view of customers’ entire financial picture, from day-to-day spending to tracking portfolio performance. Empower Personal Dashboard™ (formerly Personal Capital) is the best budgeting app for investors for its outstanding reporting options, desktop capabilities, investment management platform and spending tracking.

Budget planning tool