It connects to your bank account, analyzes your spending, and then takes small amounts of money you don’t need (usually between $5 and $50) and saves it for you. We’ve used (and still use) all three of these apps and would recommend each and every one:ĭigit automates your savings like a boss. We couldn’t resist including this category this year since there are so many clever, effective apps for saving money. This app helps you track your income and expenses and see where you stand, period. This is a great option for budgeting beginners and minimalists alike who just need/want to get in the habit of tracking where your money goes each month. They strip away all the bells and whistles and complexities of budgeting, but keep the meaty basics.
#BEST BUDGET SOFTWARE FOR MAC 2016 FOR FREE#
If you’re looking for free and simple, Fudget is the budgeting app for you. Their unique calendar-view approach makes it super easy to see an overview of how much you spend each day throughout the month. And the concept is simple: how much money you currently have versus how much you’re spending. This is a great option to get you started budgeting with just a few quick, easy steps. This app is just a delight with its bright, simple design. Whether you end up using this app for tracking your budget or not, it’s worth downloading for this feature alone. And true to its name, Billguard alerts you of any suspicious or duplicate charges to help keep your finances safe as well. But what makes Billguard unique from other budgeting and personal finance apps of its kind is that you can review your expenses and approve them. You simply add your accounts during setup and all of your expenditures will be imported for you. Unlike the other two free apps listed below, Billguard automatically tracks your spending, rather than entering it manually. If one of them sounds like it’ll fit your current budgeting needs, go get that freebie right now: You won’t spend a dime on these apps, but they may save you lots and lots of dimes. As with HomeBudget, YNAB syncs between devices so you and your spouse/partner can stay up to date. And although your expenses are automatically imported, you still manually categorize and approve them so that you remain an active participant in your budgeting (which we’re huge proponents of). You use the phone app in companionship with the web app, which allows you to create a budget that’s whole and comprehensive. The latest and greatest version of YNAB (which stands for You Need A Budget) automatically imports your bank accounts and expenses, but you still create your custom budget. It is developed in Russia, so some of the text and labels in the app are lost in translation, but all in all, this is a very worthy app. The app is listed for free, but the premium (i.e., paid) option would be necessary for most to budget effectively. You manually enter your planned expenses and income, and it’s all visible in one place.
Its light, clean, simple design makes it easy and enjoyable to use. Much like the “envelope system,” it’s nice to actually watch your money move from your accounts to your various categories. It’s not totally perfect, but as one reviewer put it, HomeBudget’s the least bad money tracker out there.Ĭoinkeeper has a fun interface of dropping “coins” into different expenses. Our favorite feature is that the app syncs between our devices so we can keep each other in the loop on our expenditures in real time. The setup is easy, you can make your budget as comprehensive as you’d like (or not like), while keeping it uncomplicated. If you’re looking for an app that requires you to manually enter your income and expenses, this is a great option. This is the app that we’ve used for a few years, and we continue to use it.
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