The best personal finance apps for iPhone

By , Nov 27, 2013

Personal Finance

Keeping track of finances may come easy to some people, but not everyone is great with money. Some of us need a little extra help to keep us from coming up short at the end of the month.

If you want to keep track of your finances and that old ledger book is just not cutting it anymore, check out our list of best personal finance apps for the iPhone.



With this personal finance app, you’ll be able to track your spending, where you spend it. That is, with location-based identification, the app will automatically identify and categorize where you are at. All you have to do is enter a dollar amount. It also has a notification feature to let you know when a payment is due, or when you’ve reached your monthly budget goal. The overview graphs and charts give you an idea of where your money is going. The in-app scanner lets you capture and store receipts so you don’t have to worry about where you left them. This app is available for free.

HomeBudget with Sync

HomeBudget with Sync

This finance tracker will keep you abreast of your daily income and expenses, account balances, and when bills are due. It supports multiple currencies. Share your expenses with others with Family Sync, which groups the household finances together. Connect your credit and bank accounts to automatically adjust the expense tracker when you pay a bill. Scan receipts to store them securely. Create recurring income, expenses, and bills. Get an overview of your spending with the trend charts. Automatically sync across your iOS devices, including others in the Family Sync group. This app is available for $5.99.

Mint: Money Manager, Budget & Personal Finance


Many people have multiple accounts with multiple bills that are automatically withdrawn each month. Sometimes, you need a complex personal finance app to help you keep all eyes on all accounts. Mint allows you to track, budget, and manage money from various bank accounts all in one place. You can add multiple banks, credit cards, loans, and retirement accounts. This app automatically pulls in information and categorizes your transactions. You can check out an overview of your monthly spending using the included charts and graphs. Let Mint customize your budget based on your actual spending. Set up bill reminders, alerts, and advice so you will never miss a payment again. This app is available for free.



With this simple personal finance tracker, users can easily keep track of daily, weekly, and monthly spending. It is great for people who hate balancing their budget, but always seem to get behind with money every month. Instead of having too many features with too many options, users are limited to categories like car, travel, bills, entertainment, etc. Then, add an income or expense amount and you are ready to go. Thanks to the apps’ graphic chart feature, you can see where you are spending too much and where you need to cut back. This app is available for $1.99.

Level Money

Level Money

If you are somewhere between needing to track multiple bank accounts and wanting a simple personal finance app without many bells and whistles, Level Money is up your alley. It allows users to add multiple accounts from a huge list of banking establishments. The app automatically detects income and fixed expenses so that you can quickly see your monthly budget. Use the at-a-glance feature to see how this month’s cash flow is doing. Set up daily, weekly, and monthly budget and keep track of when you are going over. It is like counting calories when you are on a diet. This app is available for free.



If you don’t need to link your bank accounts, but you still want to keep track of daily expenses, this app may be more to your liking. All you have to do is enter your daily expenses and the app will do the math for you. You can create your own budget to keep track of where you should be each month. Create and manage your own categories, set reminders, and check end of month projections. You can go back and add expenses after the fact, so you won’t feel obligated to check in every single day. This app also updates currencies when you go to a different country. You can turn on Travel mode to enable currency conversions as well. This app is available for $0.99.



I have to admit that I’ve been in love with this app since I reviewed it. It is very similar to Spendee, but features one addition that, to me, makes it a great simplistic personal finance app. The calendar puts your month’s spending into a big picture display. Each day, you add your daily income and expenses. You can also add recurring items for future financial transactions. Then, check the last day of the month every time you add an income or expense to see what you will probably end up with at the end. If it looks like you might overspend, cut back on purchases for a few days. You can also see a chart of where your money goes each month. If you see that you are spending too much on going out to eat, maybe it’s time to start going to the grocery store more often. This app is available for $1.99.

Square Cash

Square Cash

I have a group of friends who pay what they owe each other in rent and bills each month using Square’s personal payment app. I’ve used Square to receive payment for working at a convention. I know people who have used it to buy and sell items on Craigslist. To receive money through Square Cash, all you need is the app, a US bank debit card or bank account number and an email address. When someone sends you money, Square will deposit it into your bank account for you. Sending money through Square Cash is just as easy. Just tap the “send cash” tab and enter at least one dollar. Then, attach the email with the recipient’s name and he or she will be sent an email with the amount attached. As long as both sender and recipient have a bank account linked to Square Cash, everything works smoothly. This app is available for free.

What is your favorite personal expense app? Do you prefer simple and minimalistic, or complex and feature-rich finance apps?

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  • Scott Carter

    Do any of these sync across devices? It’d be great if when my wife entered something it would show up on my device too.

    • Woodlandstar

      Home Budget has family sync

  • maziman84

    does any of these let me scan bill and take a picture of bought thing as well? how about warranty reminder? thanks

    • Khafaga

      MoneyWiz. $0.99 now

  • erkage

    few more great apps:

  • Ying Zheng

    damn it, both free apps are NOT available in Australian Stores =(

    • Jarryd Richards

      Try “Wally” it’s free and in aus App Store.

      • Ying Zheng

        played around with it… pretty good… thanx bunch =D

  • Senoj Jones

    wally deserves to be included here

  • I’d say Personal Capital is right up there with the best of them.

  • adam

    Moneywiz syncs across all devices as well as lets you either take pictures of receipts or items you bought or upload already taken pictures.

  • pedro

    I’ve been using TOSHL after half a dozen apps tested. It can be accessed via web, too

  • Matt Ashcraft

    I use BillGuard as my Go-To Financing App. Syncs up to 10 Checking, Savings and Credit card accounts!

    • Alex

      I use this too AND you can add your cards to passbook and constantly check transaction and balances on your cards. Best app out there by far. It’s not meant for budgeting, but for keeping tabs on your spending.

  • YNAB 4 is awesome too… and Link to Desktop App is another great point

  • Woodlandstar

    I’d been using iXpenselt for 3 years, but it looks horribly outdated now, so I’ve switched to Home Budget, which has a lovely clean iOS7 look, and has a lot of functionality.

  • Diego Gastón Milano

    This article is AWESOME but it should be updated periodically with new/more apps, some of which are suggested in the comments section.
    I’m interested in knowing if any of the above (or any other finance app to keep track of budget) allows to use multiple currency as I’m obviously not from the US and I use multiple currency codes like ARS, EUR and USD. Thanks Lory!

  • Phil

    I use an app called *Sales Tax, Discount & Tip Calculator* which is great because you only need the one app for everything.

  • I agree Wally should be included here

  • paulyd

    Hello, is there any app which allows me to enter the amount of my bank balance manually I do not want to give my username and passwords for all my accounts and Credit card services… All I want to do is add amount of my checking and saving accounts so I know how much I have…but i want to enter this amount manually at the end of every month…logging in from a computer?

  • Kira Sasaki

    wally deserves to be listed… Also, Insurance Panda helped me find $35/month full coverage auto insurance… Mint app is also decent

  • Christopher Lau

    I’m loving Unsplurge because it keeps me focused on saving for my goals, without the clutter of all my other finances. I’m saving up for the downpayment on a car, and I love logging progress every time I put money towards that goal. I also really like seeing all the savings tips that people share in the app.

  • Mark

    This is an excellent app. It took two days of searching to find the best app and I only came across the app via your post. Everyone should give this app a go, its intuitive and easy (think Dollarbird with budgets for free). I also sent you a couple of emails with some great suggestions.

    • Stefan


  • Brian

    Definitely going to try out some of these apps for personal finance/budgeting. I am also using Credit Sesame to improve my credit score. It’s so easy to optimize your financial situation with all these apps – It’s a no-brainer.

  • Horatiu Randasu

    I’m kind of surprised that CashControl wasn’t mentioned. I’ve used the app and it did miracles to me.