9 Money Apps That Will Transform Your Savings

After entering adulthood or earning in general, most people go through the same problem: spending more than they save. Most individuals don't realize their mistakes before it's too late. To save you from spending a fortune on unimportant stuff, here are ten budget-managing apps to help you with your savings.

1. YNAB

The app's name explains itself well, as YNAB stands for You Need a Budget. The app helps with budgeting and saving as well. It offers already-prepared budget programs that can be customized later on. The exciting part about the app is that YNAB helps budget and educates its users about managing their finances, which will help them in the long run. It allows them to manage their money and their lifestyle.

2. Empower

 Empower was founded in 2009 by Bill Harris, ex-CEO of Intuit and PayPal. Formerly, it was called Personal Capital. The exciting and attention-drawing thing about this app is that it saves time and energy in an absolute sense. It empowers many free features that allow You to track multiple accounts from a single app without spending hours on spreadsheets or other methods. Empower keeps a check and balance on your cash flow. Another exciting thing about the app is that it tells your net worth; if there is an issue or downfall, it tracks it down, helping users fix the adjustment.

3. Good Budget 

It is an easy, simple, and straightforward app, perfect for beginners. The app works like a digital envelope, making separate columns for different investments through your income, such as rent, grocery shopping fees, etc. You label specific amounts to be invested on a particular digital envelope. In this way, you can also make a digital saving envelope. Also, it helps to visualize your progress with colorful charts.

4. Oportun 

Oportun helps with saving and investment. It works by monitoring your bank account and withdrawing some money into a suitable account as savings. It helps you in a way that you don't have to make much effort to get the best of it. Opportunity helps with your saving plans without you being invested too much in thinking.

5. Pocket Guard 

If you are frustrated about your continued overspending habits, then the “my pocket guard” option of the app is for you. Pocket Guard is an app that coordinates with your bank and credit account to keep check and balance of your finances. Its feature, “my pocket guard,” reviews your expenses and income and tells you the estimated amount that could spent safely. If you want to take your budgeting to the next level, you can always upgrade to a paid version, which would unlock more features. 

6. NerdWallet

While monitoring your cash flow, Nerd Wallet also offers free education on personal finance. The app saves you from the hassle of putting in much work and automates it. With the option “weekly Insight,” Nerd Wallet offers insight into your expenses in graphs and chart forms. The best thing about the app is that you can learn different aspects of financial budgeting. Also, it provides access to credit scores 24/7 and closely monitors them. 

7. Honeydue

If you want to manage your finances with your partner, the digital way Honeydue app can help you. The Honeydue app is designed for couples to manage joint expenses without stress. The app gives you three Compartments: two for individual payments and the other for displaying shared costs. It also sends alerts to both partners about deadlines for bills, etc. This app stands out among others because it has a discussion section where you can chat about the problem or a certain amount with your partner. Also, if you want to hide some investment for yourself, you can do that while using the app.

8. Spendee

With the Spendee app, the question where did all the money go? It wouldn't be a mystery for you at the end of the month. Spendee is a personal budgeting app that allows you to track your daily investments. With the app, you have a better view of your financial habits. The fantastic features of the app are that it monitors your everyday spending and lets you keep sections for specific shopping like food, clothing bills, etc. 

9. Quicken

Quicken is one of the oldest and most solid budget planning software and app. Since 1983, its features have upgraded to business management, such as business document storage, asset management, and custom reports for tax schedules. Its popularity makes it easy to use and keeps your business and personal expenses separate so you don't get them mixed up.

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