You may be among a large group of people struggling with personal finances. This doesn’t mean that your income is insufficient, and money may be slipping away more than it should. The great thing about today’s digital era is that we all carry around a smartphone, a powerful handheld computer, a personal assistant, a camera, and much more. There are a ton of mobile apps available on both iOS and Android that can help you manage your personal finances.

Creating a budget or financial plan, keeping your finances in order can be a daunting task, so why not opt ​​for mobile apps. You can track your expenses, spending, and bill payments. Many of them have built-in short-term or long-term goals and various planning tools.

With app stores churning out a ton of finance and budgeting apps, it can be tough to find quality ones. We’ve recommended picked out the 10 best personal finance apps that will help you budget, plan your personal loans, and stay on top of your finances.

1. Mint

Mint is a free financial app with a long history. It has been around since 2006 and currently has over 25 million registered users. The app includes features like expense alerts and bill payment notifications.

You can sync the app with your bank accounts and track your transactions. The dashboard lets you track your spending and cash flow. Mint has a number of educational features for novice users and advanced options for investors.

The downside of Mint is the in-app advertising, but on the other hand, it is completely free. 

2. MoneyPro

Money Pro is a financial app that guides you through a budget plan. Set a monthly or weekly budget and achieve your financial goals. You can track your income and expenses in a list of predefined categories and expand your categories and subcategories.

You can manage your bills and set reminders to pay them. There is also the option to manage your net worth by listing all your assets and you can get a detailed analysis.

3. PocketGuard

Extremely easy to set up, Pocket Guard is popular with users, although the free version is limited. You can upgrade for $4.99. The dashboard intuitively ignores expenses and tracks account balances. Weekly reports are provided with top spending categories, spending alerts, and bill payment notifications. The app helps you opt out of unwanted services and saves you money on your monthly bills. 

4. Trim

The app acts as a personal assistant that guides and tracks your spending. Trim can spot opportunities to save money. If you link your bank account, you can track your spending. You can let the app act on alerts about things you can cut back on. In some countries, Trim can negotiate with creditors to lower interest rates. The Trim app is free.

5. "Simplify" by Quicken

A relatively new app on the market, it’s focused on cash flow management. You can sync and track your financial accounts in one place. Simplifi will send you notifications about upcoming bills and flag large expenses. For $3.99 per month, you can get a personalized spending plan based on your income and expenses—the Watchlist category tracks particularly problematic parts of your spending.

6. Goodbudget

If you're uncomfortable sharing a bank account, Goodbudget could be a great option. The app, which has a web version, works on the principle of envelopes, where you allocate certain portions of your income to various causes, such as bills, groceries, and more. You can get ten envelopes and sync across two devices for free, and unlimited if you subscribe for $7 per month.

7. Twine

The app has both savings and investing features and is designed for couples. If you plan to manage your finances together, you can articulate your goals, such as saving for a tropical island vacation. Twine lets you link accounts and track progress toward a common goal. It’s free to use for savings, but the investing portion charges $0.25 per month for every $500 invested. 

8. Wismo

An interesting app that combines three apps into one. Wismo Social tracks your spending and shows you where your money is going. Wismo Budget works with your budget plan. You can set goals and track your budget. Wismo Local doesn’t have any personal finance features. It can help you research local bars and restaurants. The app is free, and you can pay $2.99 ​​to add a free experience.

9. You Need a Budget

The popular budgeting app tries to clean up your finances. The add-on app assigns every euro to its own envelope, and each envelope is a budget category. You’ll have an overview of how much you spend in each category per month. There’s an option to link a transaction from a bank account. YNAB plans your budget based on the money you have and encourages you to spend within your limits. You can have weekly and monthly budgets and add special projects. The app costs $7 per month, but students get a free year. 

10. Stash

If you are looking for an investment app and are new to these waters, Stash could be a good choice. The app is designed for investors with modest or limited resources, and the idea behind the app is to build an investment portfolio by setting aside small amounts. Stash encourages responsible investing, and you can choose companies that are worth similar to yours. The app includes a Stash Coach that offers investment advice. You will need $5 to start investing, and the app costs $1 per month for beginners, with other more expensive plans available for advanced users.

As you can see, the choice is very wide. You just have to decide what your budget is and what you want to see in your budget planning app. Everything else will be very easy and simple, because modern technology does not stand still and is improving every day.