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The Best Personal Finance Apps In 2022

It is especially important for everyone to pay special attention to their finances if they want to manage their expenses and increase their savings. However, managing personal finance is an overwhelming task and almost always causes stress and anxiety.

According to a survey conducted by Northwestern Manual, the dominant source of stress for Americans was money and almost 44% of Americans were pressured due to their finances.

Keeping track of all the money you have earned and spent, going through an apparently never-ending load of bills, and paying debts, all these tasks only contribute to anxiety.

Personal finance apps are a good way to relieve you of this stress and you will feel more in control of your money. These personal finance apps will do all the work for you from tracking expenses to budgeting and putting money in savings.

In this era of advanced technology almost everyone is using smartphone apps for dating, shopping, and tracking pregnancy, so why can't we use an app to help manage our personal finances.

In full disclosure, I personally use the Digit, Acorns, Mint, and Personal Capital Apps and I think they're awesome and can significantly help people with their finances if they use them properly and consistently!

In this article, I will guide you through the best personal finance apps in 2022.


If you are looking for something for hands-off savings, then Digit is the ideal app for you it will cost you only $5 a month (it's free for the first 6 months) and all your savings will be taken care of.

This app makes savings easier by keeping track of your spending behavior and income based on which it determines when and how much money to put in savings.

The best feature of this app is that it will consistently add money to your Digits savings account in a way that you will not even notice that it's elsewhere.

It is estimated that the average member savings per year are $2200. Isn't it cool to just relax on your couch and let Digit do the task to build your savings? You can also get on a waiting list for Digit's bank account HERE.


Acorns is one of the best personal finance apps available online. It is particularly suitable for newbie investors or hands-off investors. If you intend to use this app it will only cost you $3 per month.

Acorns is an automated savings app that focuses on rounding up your purchases on linked credit or debit cards and afterward puts that extra change into your investment portfolio.

So, for example, if you have made a purchase of $10.75 with a linked card, Acorns will invest that extra 25 cents. You will be very happy at the end as a lot will be added up over time. Moreover, it is up to you to decide if you want to make larger recurring or one-time investments in Acorns.


Mint is ideal for keeping track of personal expenses. You can download it for free and take that burden off your shoulders to go through a pile of bills every month.

Mint is one of the most liked personal finance apps in the market due to many reasons. At the end of every month, everyone is interested in knowing how much they have spent in different categories such as groceries, travel, home expenses, medical expenses, clothing and more, and Mint serves this purpose very well.

It will bring together all the data of your financial transactions in a single place and you will know how much you have actually spent in the above-mentioned categories.

This information will not only help you to cut down on extra expenses but would also help to set financial goals and make savings. Additionally, the Mint free credit score tracking option is also offered by this app.


Simplifi By Quicken

This personal finance app is particularly tailored to look at your expenses from different perspectives. If you want to use this app, it will cost you $3.99 per month or $35.99 per annum. Simplifi by Quicken is made to check your budget and spending behavior.

This app will provide you with an approachable yet informative screenshot each month presenting a lot of information such as your bank accounts, your spending plan, your top spending categories, your spending watch lists, your spending over time, and last but not least your income.

It is also a projection tool that provides you with an estimated balance over the next 30 days. Isn't it cool?

Personal Capital

It would not be wrong if we call personal capital a wealth management tool. Just like mint, it can also be downloaded for free. Personal capital is great for tracking all features of your finances in one place such as investments, retirement, real estate assets, saving targets, and spending.

It not only keeps track of all these aspects of your finances but also gives a look at your personal wealth. Additionally, it has a feature that helps you to keep track of your bills and lets you know when they are due.


Empower is a banking app that is well suited for budgeting beginners, and it will cost you $8 per month. One of the unique features of this app is that there are no overdraft fees. Additionally, it offers up to $250 cash, and to your surprise, that too without late fees, interest, or credit checks.

You can see a schedule of their fees HERE.

Offering advance cash is something that can be a lifesaver for you when you are in dire need of money to cover some urgent expenses and your bank account is running low. Empower is particularly made to keep track of your spending based on which it will give recommendations on how you can cut down on extra expenses and save some money.


Prism is yet another personal finance app that keeps track of your bills and it is available for free. It must have happened with almost every one of us that we forget to pay a bill and then we are charged with a late payment fee which is not only frustrating, but it also upsets our overall budget.

But you don't have to worry anymore, as Prism will take care of all your bills and it will send you reminders well in advance in time about your bills due. Additionally, it has a feature with the help of which you can pay your bills from within the app too.

You Need a Budget

You Need a Budget is yet another budgeting app that costs $11.99 per month or $98.99 per year. This app is tailored to making and managing your budget by allocating each dollar to a particular expense category before the expense is made.

If you are looking for something that will guide you through each step of making your budget and linking bank accounts and credit cards, then this is the right app for you.

Every Dollar

EveryDollar is one of the best personal finance apps tailored at planning out your spending. Most of you must have heard of personal finance guru Dave Ramsey and this app is part of Ramsey's solutions following follow Ramsey's well-known money principles.

Just like ‘You Need a Budget', this app also allocates your money to different spending categories even before you actually spend it, a system called zero budgeting'.

If you have the free version of this app then you will have to enter the transactions manually by yourself. However, if you pay for a premium version, then the app will do all the work for you to keep track of your expense.



Cryptocurrency has gained a lot of popularity in the last few years, and this is the personal finance app that will keep your cash flow including cryptocurrency.

Spendee can be downloaded for free, however, for extra features, you need to pay $22.99 per year which does not seem to be a big amount when we look at the amazing features it provides to its customers.

This app is excellent at keeping track of your cash flows and providing you with the complete picture, which it does by linking your bank accounts and your cryptocurrency wallets as well. Once you have a complete picture of cash flows, you are all set to make budgets including budgets for one-off events such as holidays or weddings.

Spendee has an added feature that allows you to share your wallets and budgets with others which is extremely helpful for people who share their finances with other people.


Thanks for taking the time to read this article. I truly hope that the use of these Apps will help you save a significant amount of money! Lastly, by using either or a combination of these Apps, you should be able to create and maintain a nice “Rainy Day” fund for emergencies!