Tracking your finances used to be a full-width project in the earlier times and often it was not possible to pinpoint where your resources actually stood. However, things have changed a lot from the past, thanks to the revolution of the digital world and the ease of access to the Internet. In this contemporary era, you can get data and information of almost anything over an app and the same goes for tracking your finances as well. The market is filled with different kind of applications, making much easier than ever to track your money and help you stay on a fixed budget.

From automating your mode of payments to setting and tracking financial objective, you can now access the data regarding your actual net worth and sort it via month, day and week accordingly. If you are looking for a decent personal finance app, here are some of the top finance apps of 2018 that you should consider:


Serving as a virtual piggy bank, Acorns is an automated financial savings tool that rounds up your buying transactions on debit cards or credit cards linked to the app. It further sweeps the change into an investment portfolio that is completely computer managed. If you belong to the category of college students or someone who is finding it difficult to save money, Acorns is the perfect financial app for you. Apart from the round-ups, the app also allows you to invest lump sum amount of money manually and provides you the flexibility to set up recurring deposits based on your convenience.


If there is one financial app that has been the longest in the market so far, it has been Mint with its unique versatile nature of money management. The best part of making Mint as your personal finance application is that it offers you with in-depth and detailed real-time personal and financial situations in both U.S and Canada. Braced in a useful and clean design, Mint ensures both speedy and reliable attributes when it comes to money management. You can easily get access to the app via registering up through the website or the mobile version app. According to, Mint can aid you by settling down your debts and building wealth while getting a handle on the overall spending. This versatile financial app evaluates your spending habits, various financial transactions and your income through customizable alerts. Not only the app can offer you with the data of your net worth, but it can also provide you with an in-depth analysis of your expenses.

Credit Karma

Credit Karma is a brilliant finance app and serves as a great go-to-source for a free credit report and score. The app gives you access to view credit reports and scores from Equifax and TransUnion. Credit Karma is innovatively designed to reflect and promote your financial habits. It renders a targeted approach for businesses to pinpoint prospective customers rather than simply investing in generic ads. Besides, the app understands the importance of your credit score and hence it allows you to access it without the need for a free trial, credit card or other methods. Some of the unique features of the app include a graph displaying your credit score from time to time along with tools that enable you to simulate how waiving off debt or approaching for a new credit can modify your score. If you are looking for a way to manage your debts and ways to better your credit ratings, you can connect with the reputable US national debt relief companies.

YNAB or You Need a Budget

Popular for offering effective guidance when it comes to managing financial responsibilities and smart money, there is no app better than You Need a Budget or YNAB. The application comes with its own set of educational materials and tutorials while catering to the simple households that require the basics. YNAB is sprucely designed to get linked to your account in order to pull in financial information including your account balances in real time. The app confers more of a genuine approach to budgeting and serves as an ideal tool for people who are very serious about their money management initiative.


Joy is a flexible finance app that acts as a savings application and provides financial coaching to the user. It allows the user to rate their transactions as sad or happy and highlights that the low value or sad ratings should be avoided and encourages the happy or high-value purchases. Joy is designed for systematizing reflection on expenses and attempts to assist the user to make the right spending decisions and focus more on valuable expenses that benefit their life on the whole. Furthermore, the app offers a steady stream of modern-day, easy-to-read articles based on finance management and helps users in getting savings motivation and stick to their financial goals without getting distracted.


If you are seeking a financial app that will let you save money with ultimate convenience, it is time to open a new Qapital account which is FDIC insured. The app effectively rounds up the spending and puts the change in your provided savings account. It also allows you to transfer balances invisibly into things like a holiday fund. Qapital is decked with some amazing features such as it will ask you whether or not you would like to try learning a new skill such as photography or cooking. It will then help you configure channels through which you can save money apart from the estimated amount of money needed.


GoodBudget serves as an old-fashioned way of saving money as you can physically split all your cash into slotted envelopes. For instance, you will be provided with envelopes listed under your groceries, fuel costs, and telephone bills category. GoodBudget lets you specify how to save your money and spend it smartly. It offers you free membership and paid ones to control and track finances and acts as a perfect tool for annual expenses and holidays.

Concluding Thoughts

Personal finance apps are gaining popularity with each day and they are a must-have when it comes to budgeting or dealing with debts. Hopefully, this list will provide you with the right app based on your situation and you can easily monitor your finances.