Personal Finance Best Apps of 2019

The Best Personal Finance Apps of 2019 — Tested For You

  • July 21, 2019
  • 6 min read
  • 380 reads

The Best Personal Finance Apps of 2019

Today it’s more important than ever to have a good understanding of your finances. Those people who keep up with their income, expenses, and budget usually have a better overview of their whole financial picture.

You used to have to keep a paper ledger or make yourself a spreadsheet, but nowadays new apps for creating and managing your budget, tracking your finances, and keeping tabs on your investments appear every week it seems. With more and more apps are being aimed at helping with this, we at decided to do all the hard work for you and take several for a test drive. We have made a list of the best personal finance apps of 2019, for both Apple and Android users.

Read our reviews of personal finance apps below and get inspired to take control and organize your financial world.

Personal Capital

Download: Android, iOS

Personal Capital is a user-friendly app for tracking and managing all of your financial accounts in one convenient place. You can easily integrate all of your accounts — they’re already connected with over 14,000 financial institutions, and the app retrieves data from all of your connected accounts automatically.

Not to worry though, Personal Capital also utilizes a two-step remote authentication process and bank-level security to verify your identity and your device in order to keep your data safe.

Each individual transaction is reported by importing transaction files. The transactions are automatically split into different categories, including Cash, Investment, Credit Card, and Loan. You can also add set a date range and export your data if you wish to do so.

Advantages and Disadvantages of Personal Capital

  • Certain accounts may not be automatically integrated and require manual editing
  • Username, password, and security questions for all accounts have to be updated manually
  • Individual transactions can not be edited

The app also supports a program called Personal Capital Cash, which is a high-yield savings-type account geared towards helping you earn more APY on your savings, typically at a rate higher than the national average. It offers unlimited withdrawals, no fees and no minimum balance. It’s also FDIC insured.


Download: Android, iOS

Mint is a free money management and financial tracker app that’s designed to help you get ahead of your spending. It brings together your bank accounts, credit cards, bills, and investments in one place so you can see what you’re spending and where you can save money.

Mint also offers something called MintSights, which are money-saving insights that the app makes based on your financial information.

Mint consistently tops the lists for all-around best budgeting app because of it’s bill pay reminders and easy to use calendar features. Users are able to avoid late fees and all of the hassles of forgetting to pay a bill on time.

Advantages and Disadvantages of Mint

  • While the app is free, ad space is present throughout
  • Ongoing updates to the user experience and interfaces have received mixed reviews in the past
  • Despite the bill pay reminders, there is no integrated bill pay tool

You Need A Budget

Download: Android, iOS

You Need A Budget is more than a personal finance and budgeting app — it’s aimed at changing your habits and helping you break the paycheck to paycheck cycle. The app works to train your financial behaviors by adhering to 4 basic principles:

“Rule One: Give Every Dollar A Job | Be intentional about what you want your money to do before you spend it. By tracking your expenses you will make better decisions.

Rule Two: Embrace Your True Expenses | More than just an expense tracker, YNAB can help you prepare for the future. Break up larger, less frequent expenses into smaller, more manageable amounts. By budgeting monthly for insurance premiums, holidays, or car repairs, when the time comes, your money is ready and waiting to do its job.

Rule Three: Roll With The Punches | When life changes, so must your budget. Make adjustments and move along. Flexible budgets succeed because they’re guilt-free, realistic, and sustainable. Good money management habits are ones you can stick with.

Rule Four: Age Your Money | As you repeat the first three rules, you’ll increase the time between the moment you earn a dollar and the moment you need to spend it. When your money is at least a month old, you’ll have finally broken the paycheck to paycheck cycle for good. Your personal finances will never feel the same again. In a good way.”

YNAB offers budgeting tools and expense tracking, but also financial goal tracking to keep you motivated and working towards your financial goals, big and small. After the 34 day free trial period, the app will cost you $11.99 month-to-month or $83.99 for an annual subscription.

Advantages and Disadvantages of You Need A Budget

  • While the app is free to try, you must subscribe and continually renew your membership
  • App supports a much larger desktop/laptop experience, you need to use both to get the most benefit — tablet experience not currently supported
  • Currently there is no integrated bill pay feature


Download: Android, iOS

Spendee is a collaborative budgeting app that will allow you to track your money (both expenses and income) automatically, as well as invite others so you can manage your shared family or household budgets. It also allows you to track multiple currencies across all your accounts, including cryptocurrencies.

While the basics of the app are free, Spendee Plus upgrades your experience and gives you the ability to create multiple wallets and invite your family members and friends and share your wallets with them for $1.99 monthly or $14.99 annually through an auto-renewing subscription. Spendee Premium for $2.99 monthly or $22.99 annually also allows you to synchronize Spendee with your bank accounts.

Advantages and Disadvantages of Spendee

  • While the basic app is free, it does offer in-app purchases and ad space is present throughout
  • You must upgrade to the paid version, Spendee Plus to share and collaborate on accounts
  • Despite the bill pay reminders, there is currently no integrated bill pay tool

Best of the best personal finance apps

Every user has different expectations and needs when it comes to personal finance and budgeting. That’s why it is difficult to pick just one app to recommend — you many need to try more than one to find the features and functionality that matter most to you. To make your selection a little easier, we have evaluated the apps based on five criteria.

Best Personal Finance Apps of 2019

In this table you can see which apps automatically integrate with your accounts and import financial data, which offer budgeting features and bill pay reminders, and whether the app has ad placement or offers premium services.

We also think the overall user experience is important. We evaluated the navigation and user-friendliness using a five star system.

Every app has advantages and disadvantages so choose the application that suits you best and we’ll remain on the lookout for the latest and greatest finance app for you too. We hope that we’ve inspired you to take control of your finances and you have been able to narrow down your options using our best personal finance apps of 2019 list!

Author Lauren Scungio

Lauren is a mortgage professional and personal finance writer in Scottsdale Arizona. She enjoys creating interesting and educational content geared towards spreading financial literacy and helping people make the best financial decisions.

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Last Updated: February 2, 2020

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