The Top 13 Money Management Apps for Growing Your Net Worth

Since you probably have a cell phone in your pocket all the time, apps are a great option ways to watch your spending, investments, and more.

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Understanding your cash flow is a major part of successfully managing your finances. How much is coming in, when it hits your bank account, and where it’s going are all important aspects of financial success.

Luckily, the market is saturated with money management apps designed to help you see your bank balance, track your spending, and analyze your habits. Plus, there are also apps that will help you make better financial decisions, based on the data gathered from your accounts.

And the best part? You can access your financial situation wherever you go. Many money management apps are viewable online, as well as on your mobile device, making it easy to take care of your finances no matter where you are.

Here are 13 of the best money management apps you should consider:


(Personal Capital is now Empower)

Empower is one of the best money management apps available. Its lets you track your budget while including information about your investment accounts. The interface is intuitive and the visuals are easy to see on desktop, laptop, tablet, or phone.

Graphs of your investments by asset class, investment account, or individual investment are easy to read, making it easy to track your investment performance and manage your portfolio. You can even get help from an investment professional in some cases.

Empower’s budgeting functions arent quite as robust or intuitive as some of the other money management tools, but they get the job done. The main advantage to Empower is the fact that your investments are considered in the equation, giving you a holistic view of your total financial picture.


Beyond budgeting, Empower will also look for savings in your spending patterns. Empower will provide a snapshot of your subscriptions and help you cancel any you no longer use.

There are other ways that Empower can help you save money.

When you deposit your paycheck to Empower, you'll get the ability to access your paycheck up to two days faster* and accept Cash Advances of up to $250.^ There are no interest charges or late fees for these Cash Advances. Empower will deduct the amount it advances from your next paycheck to settle up.

You can also earn up to 10% cashback* when you use the Empower Card to shop at select retailers, meaning you can save money on some purchases.

You can think of it as a tool to help you get better control of your budget, while also continuing to move at least some money into emergency savings for future use.

Visit Empower or Learn more in our full Empower Review

Empower is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.

^ Eligibility requirements apply.

* Early access to paycheck deposit funds depends on the timing of the employer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the employer’s scheduled payment date. Cashback deals on Empower Card purchases, including categories, merchants, and percentages, will vary and must be selected in the app. Cashback will be applied automatically when the final transaction posts, which may be up to a week after the qualifying purchase.


YNAB 5_210X100_

The philosophy underlying YNAB is a job for every dollar. You’re encouraged to place a premium on thinking ahead and determining where your money goes ahead of time, from investing to saving up for a vacation to paying the bills to buying groceries.

Like many other money management apps, YNAB offers bank syncing and support for mobile devices. You can also use YNAB to help you set financial goals and make the most of each dollar you earn.

Related: 4 Reasons YNAB Beats Mint Hands Down


You can use Acorns just to round up your transactions, but you can also set up recurring withdrawals to your account, or boost your account with a one-time transaction. Acorns also has a new shopping app type function, called Acorns Earn. When you shop with certain brands, the brand partners will automatically invest in your Acorns account. Check out our review of the app here.

Related: The Best Investment Apps


*Editorial Note: This offer is no longer available. Please visit the Unifimoney website for current terms.

Unifimoney is more than a money management platform. It provides access to both a credit card and high yield checking account, along with investing tools.

Top features include commission-free trades, robo-investing, crypto investing, and a cashback credit card.

While it’s free to sign up, you may run into a handful of expenses along the way, such as a 0.15 percent fee for robo-investing.


Mint has long been a popular budgeting website and app, and not without reason. Like Empower, Mint offers access to your investment accounts in addition to budgeting tools. But for Mint, the budgeting portion is the stronger offering, while the investing section feels a little like an afterthought.

Mint is a great option if you want to keep a super detailed budget. You can create as many budget categories as you want, and you can categorize transactions on the go. Mint automatically pulls transactions in from your bank accounts and credit cards, so they’re all in one place. Mint also analyzes your spending and provides insights into your habits, letting you see where you could improve.

Finally, the app also has a nice bill pay feature reminding you when bills are due. You can even pay bills from the app.


Looking for a money management app that will also actively help you find savings in your regular spending? PocketGuard might be just the thing for you. Sync up your accounts and PocketGuard will track and help you analyze your spending. You can then use that information to help you build a better budget.

PocketGuard also picks up on recurring bills and even looks for better deals. You can identify spending trends month-to-month, track individual bills, and use the app to save money in the long run.


Is your primary budget issue figuring out what you need to pay in the future? Maybe you’re afraid to spend $10 on lunch, even if your bank account is fairly flush, because you can’t remember when your student loans are due. Dollarbird can help with that.

Dollarbird is free with premium add-ons. The idea here is to put your budget into calendar form. You get an at-a-glance view of upcoming expenses. Color code transactions by category and easily enter recurring transactions, like your paycheck and utility bill. The app lets you see your projected balance, so you know how much money you can safely spend.

One limitation here, though, is that Dollarbird doesn’t sync with your bank accounts. You’ll have to enter transactions manually, but that’s pretty simple to do--and that means you end up with a more hands-on approach to your money.


One of the most popular budgeting strategies is the envelope strategy. You divide up your cash, put it in envelopes, and spend in that category until the cash is gone. If you want to move that old-school budgeting technique into the 21st Century, Mvelopes can help.

Mvelopes translates your credit card and digital spending into a cash-style budgeting system that keeps track of where your money is going. You can create a budget and the app will take care of the rest.

You do need to pay for the service, though. Mvelopes has plans starting at $4 per month. You can pay more, though, and get access to a wider variety of features, including financial coaching services.


Wally is a stripped-down budgeting app without a lot of bells and whistles. However, the unique features it does have are worth exploring.

First of all, Wally supports nearly all foreign currencies. If you’re a digital nomad, spending time outside the country, Wally can be a great help to you.

Next, Wally allows you to save pictures of receipts so you can keep track of important items related to taxes and business without dealing with paper.

Each time you log in, Wally lets you know how much money you have, and what’s left in the budget until the end of the month. With that information, and the ability to manage your finances without paper in almost any currency in the world, it’s no wonder that Wally is popular with millennials.

Good Budget

Goodbudget is built on the concept of an envelope budget. You get 10 envelopes for free, but if you upgrade to Plus, you get unlimited envelopes for $6 per month. As with most envelope-based systems, you have to stop spending when an envelope is empty or move money from a different envelope.

One of the biggest advantages associated with Goodbudget is that you can create a shared budget in your household. Goodbudget is compatible across iPhone and Android devices, so it doesn’t matter what others are using.

Use Goodbudget to set shared goals, keep each other accountable, and plan your budget in a way that everyone knows what’s happening.


Spendee is yet another visual app that syncs with your bank accounts. It automatically downloads transactions and categorizes them. It also allows you to share certain parts of your budget with others.

Assign money to virtual wallets and Spendee will keep you on track. You can also share specific wallets with friends, allowing you to encourage accountability as you work toward your goals. You don’t have to share your entire budget, though, which is important if you want to maintain your privacy. Spendee also offers a travel mode that supports multiple currencies when you’re abroad.


Do you wish you had a personal finance assistant? You probably want Albert. Using aspects of artificial intelligence mixed with human guidance, you can get personalized information about your current financial health--and what you can do to improve it.

Albert automatically creates a budget for you, based on your income, spending habits, and bills. Not only that, but Albert helps you set money aside in a savings account, analyzes your bills to help you identify where you overpay, and even alerts you when a free trial is coming to an end.

You can use Albert for free, but if you’re willing to pay a small premium, you can text human experts to get a little extra help reaching goals like investing more and paying down debt.



Technology offers you the chance to understand your finances and improve your money management skills. Find the right money management app to match your style and watch your situation improve.

Related: Is Your Net Worth Below or Above Average?

Check out Episode 306 of the Dough Roller Podcast below, where Rob discusses #5 on the list, YNAB, as well as another financial management app, eMoney.

Empower Personal Wealth, LLC (“EPW”) compensates Webpals Systems S. C LTD for new leads. Webpals Systems S. C LTD is not an investment client of Personal Capital Advisors Corporation or Empower Advisory Group, LLC

Miranda Marquit

Miranda Marquit

Miranda is a nationally-recognized financial writer and money expert. She has contributed to NPR, Marketwatch, Yahoo! Finance, U.S. News & World Report, FOX Business, The Hill and numerous other publications. Miranda is an avid podcaster and writes about money and freelancing at her website, MirandaMarquit.com.

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