I’ve never expected that I could spend so much in just a month… until I got my credit card bills. I made up my mind immediately that I should spend smarter and save money. Do you have the same need? But it’s too difficult to track your different bank accounts and cards by just logging into all the websites. If you want to keep an eye on how much you spend, start trying these 6 best free budgeting apps!

Mint: Money Manager, Budget & Personal Finance

  • mint logoDevelopers: Mint.com
  • Devices: iPhone, iPad, iPod touch and Apple Watch
  • In-app purchase: No 

Mint is one of the best budget apps that allow you manage your money anywhere at anytime! With its help, you can review your day-to-day income and spending.

Mint automatically organizes your expenses and financial accounts and creates a budget for you, so you can save more. With Mint, you can easily pull all your accounts, including checking, savings, credit cards and 401K, into one place. It’ll also automatically categorize your banking and credit card transactions, which makes your spending tracking easier. But the app doesn’t support some store or website credit cards, such as Lowe’s and Wal-Mart ones.

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Some of my favorite features:

  • Customized tips for reducing fees and saving money.
  • Spending goal: Mint will suggest one according to your habit, or you can set up one by yourself.
  • Credit Score report: get if for free, even if you don’t have a credit card!
  • Bill reminders or alerts for all accounts. Never be worried about a payment again!
  • Beautiful graphic design for the interface and the trends feature, allowing you to track where your money is going.
  • 4-digit PIN: keep your account safe. Even if you lost your mobile devices, you can still delete all your account information remotely.


Pocket Expense Personal Finance 

  • pocket logoDevelopers: Appxy
  • Devices: iPhone, iPad, and iPod touch
  • In-app purchase: $4.99 – upgrade to Pocket Expense Pro 

Pocket Expense is an all-in-one budget app that helps you to spend your money better and achieve your financial goals. Same as Mint, you can bring all your financial accounts together, track your bills, categorize your spending and set budget goals with Pocket Expense. You can also set multiple budgets for different categories, as well as multiple bills of different recurring. Its’ simple and attractive interface will also help you monitor spending effectively.

pocket3   pocket2   pocket1

Some of my favorite features:

  • Well-organized Calendar View: You can choose to view your statistics daily, weekly, monthly or yearly.
  • Lively, colorful icons: Mark bills with icons according to their categories.
  • Charts: Lets you see your income and expenses clearly.
  • Alerts: Reminds you of all the bills you’re going to pay.
  • Payers & Payees Management: You can manage payers and payees easily, just as you manage contactors on your phone.
  • Search Function: You can search for transactions quickly.
  • Password: Protect the safety of your accounts.
  • Complete World Currency List: This is extremely useful for international students and people doing international business.

Some features I don’t like:

  • Ads: I understand that a free app needs to have ads to make money. But the in-app ads, especially the video ads, are really annoying.
  • Account required: many people used to like Pocket Expense because it didn’t require registering, which made them feel safe. However, in the new version, a Parse account is necessary now. If  don’t want to upload financial data into a cloud service, you might not like it.


Daily Budget Original

  • daily logoDevelopers: C Ruttinger
  • Devices: iPhone, iPad, and iPod touch
  • In-app purchase: 4.99 – upgrade to pro version and more options 

Daily Budget works a little bit different from other budgeting apps: it will calculate your “Daily Budget” based on your income and fixed costs. Start using the app and you’ll find saving money is not suffering but funny. I also like its clean and easy user interface. If you’re looking for a simple budget tool, Daily Budget will be your best choice.

When you first use the app, you’ll be asked a few questions about your income. Then the app will calculate a daily budget for you. According to your daily spending, your budget for the next day will change. What if you plan to do some large purchases, like buying a new laptop or TV set? You can create wishes to save for them! The money will be deducted from your budget automatically everyday and you can easily track how you are successfully saving to make a big purchasing project! Watching your budget grow as you stay below your daily income will make you feel so motivated. Like many other free budgeting apps, Daily Budget also provides a lot of in-app upgrades. You can choose whether or not you want to spend $4.99 to upgrade to the Pro version.

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Some of my favorite features:

  • Automatic daily savings that help you learn how your spending behavior affects your budget everyday.
  • Beautiful analysis graphs, which give you a clean glance of your spending.
  • PIN protection to keep your account safe. 



  • mvelopes logoDevelopers: Finicity Corporation
  • Devices: iPhone, iPad, and iPod touch
  • In-app purchase: $94.99 – upgrade to Premier version. 

Mvelopes help me learn how to effectively manage my money everyday. Every time you make a purchase, Mvelopes will update your real time budget. Besides the basic tracking function, it can also help you categorize your spending, plan your budget, and track your bank account and credit card balances in one place.

mvelopes1    mvelops3    mvelops4

Some of my favorite features:

  • Clean, beautiful and user-friendly interface.
  • You can check and adjust your budget easily.
  • Collect all your receipts: Find paper receipts annoying? Get them messaged to your phone and Mvelopes will gather them.
  • Real-time synchronization with the Mvelopes website.

Some features I don’t like that much:

  • Complicated to set up with the app: Too many limitations in the app settings. The web tool is much more functional.
  • $94.99 to upgrade to pro version: A little bit too expensive.


Goodbudget Budget Planner

  • goodbudget logoDevelopers: Dayspring Technologies
  • Devices: iPhone, iPad, and iPod touch
  • In-app purchase: $14.99 – 3 Months of Plus Plan & $23.99 – 6 Months of Plus Plan

Originally known as EEBA (the Easy Envelope Budget Aid), Goodbudget is a good budgeting tool for families. Its’ unique feature is sharing your budget by syncing it across multiple phones and via web. All your transactions can be synced with the cloud and are accessible from other devices. You can then make sure all those who are close to you (your family members or friends) stay on the same page about finances!

goodbudget1    goodbudget3    good budget2

Some of my favorite features:

  • In-app reports: You can get your spending report by envelope and the pie charts to make the numbers easier to read.
  • Sync up to 5 devices
  • 5 years of transaction history
  • 10 regular envelopes & 10 annual envelopes available in the free version.

Some parts I don’t really like:

  • The envelope system: As Mvelopes, the envelope system is a little bit confusing.
  • The privacy concern: If you’re the person who doesn’t want to upload your financial information online, you might not like this app.




iPhone and iPad have absolutely changed our lives. These 5 best budgeting apps can help you make tracking a budget simple and easy. There are also many new finance apps coming out everyday. What’s your favorite free budgeting app? Share you experience and tell us how much you have saved!