Managing your personal finances is an art, and a science, and a series of best practices that can evolve based on your unique financial goals. Luckily, the wonderful world of technology has stepped in to help – and we want to help you find the best financial apps.

In addition to keeping up with your daily life and progressing toward your financial goals, finding the perfect combination of tools to manage your finances is an ongoing (and often challenging) project. On the bright side, mobile apps are getting better and better at helping people track their money and achieve financial progress.

We asked the Best Egg Team for their favorite personal finance apps. These apps run the gamut of personal finance. Some help you save, some track your day-to-day activity, and some help you make long-term plans. Without further ado, here are a few financial apps that can help you reinvigorate your money awareness and reach your goals faster.

The best financial apps: 7 apps that the Best Egg Team uses every day


Saving money is hard. Enter: Digit. It’s the app made for anyone who has trouble saving on their own. Digit uses an algorithm to analyze your spending and automatically pulls money out of your checking account when it thinks the time is right. It then deposits that money into a Digit savings account that you can access anytime.

What sets Digit apart

  • You can set up fully customizable goals to place money in.
  • Digit pays a 0.10% annual savings bonus, distributed every three months (similar to a small amount of interest). If your average daily balance for a three-month period was $4,000, that quarterly bonus would be roughly $4,000 x (0.10% ÷ 4), which is $1.
  • The service includes overdraft protection.

From our team:

“After a while you check the account and you think, ‘Wow, there is a bunch of money in there!’” – Kevin

Any drawbacks? Digit automatically pulls a $5 fee each month from your checking account, but everyone we polled said that they’re happy to pay the fee because of the savings they earn.


Mint is one of the most popular finance apps out there. We previously ranked Mint as one of our favorite budgeting apps because of its ability to categorize spending and track your habits. But Mint is also known for its money management powers. It integrates with your bank, investment, and credit card accounts, allowing you to manage all of your money in one app.

What sets Mint apart

  • Mint provides free credit monitoring tools and free credit score access. However, it’s the TransUnion VantageScore, not the FICO® credit score that is used most often by lenders.
  • The app allows you to add your investment accounts, such as 401(k), IRA and mutual funds, which you can then view and track.

From the team:

  • “I use Mint for tracking all of my spending, budgeting and setting goals.” – Neil
  • “I like that it is like a wallet, having all credit cards and bank accounts all in one place.” – Melody

Any drawbacks? Mint has mixed reviews from our team. Some say its functionality is perfect for their needs, while others say they prefer to use other apps to manage their budget.

You Need A Budget (YNAB)

For those looking for a more involved experience in tracking their finances, You Need A Budget is a favorite. Built on the idea of zero-sum budgeting, YNAB focuses on developing good habits by making you assign a purpose to every dollar you earn.

What sets YNAB apart

  • The website claims that the average user saves $600 in their first two months and more than $6,000 in their first year.
  • YNAB helps users learn about finances through its free blogs, videos, podcasts, and live online workshops led weekly by experts.

From the team:

  • “I especially like how it encourages you to extend the ‘age of your money’ to help you avoid living paycheck-to-paycheck and build savings.” – Bryce

Any drawbacks? YNAB is free for 34 days. After that, you’ll pay $14.99 a month or $98.99 a year. The YNAB-ers on the team say they’re hooked and would pay more for the service if they had to.

Personal Capital

If you want to focus less on daily spending and more on long-term goals, Personal Capital might be a good solution. In addition to being a pocket budgeting assistant, Personal Capital has robust investment features.

What sets Personal Capital apart

  • Offers cryptocurrency tracking and personalized retirement planning features.
  • You don’t have to be a member to use its comprehensive investment management tools. However, Personal Capital also has a personalized service for private clients that includes banking services, portfolio customization and private equity access. The fee is based on the account balance and runs from 0.89% for up to $1 million to 0.49% for $10 million in assets.

From the team:

“It’s free to use and works very well. I’ve been using it for 5+ years after I quit another personal finance app.” – Ev

Any drawbacks? While no one in our poll had complaints, other reviewers claim that they have difficulty linking all of their accounts, or that their accounts disconnect for odd reasons.


Qapital treats your financial goals like fitness goals. While it helps to manage your money day-to-day, like Mint and Personal Capital, it also helps you set your speed for reaching goals by allowing you to choose your pace: Steps, Walk, Run Distance or Sprint.

What sets Qapital apart

  • It offers creative rewards like putting extra into savings if you spend less than your target amount when you shop at a particular store or overspend on one of your “guilty pleasures.”
  • Qapital can sync with other apps so you can get a savings boost when you check off items from your ToDoist list, reach a FitBit goal, or get the right amount of sleep.

 From the team:

“You don’t have to think about it, just set your rules and go!” – Rebecca

Any drawbacks? You start Qapital on a 30-day free trial before having to pick between plans that cost $3 to $12 a month, depending on what you want to achieve.

M-1 Finance

For people who are dipping their toes into investing and wealth management, M-1 Finance could be a smart choice. M-1 Finance gives easy-to-use views of your investment portfolio, charges no trading or asset management fees, and provides resources curated by experts to help you figure out exactly where your money should be going.

What sets M-1 Finance apart

  • Flexible portfolio building, including more than 80 “expert” portfolios you can follow.
  • M-1 Finance offers fractional shares, portfolio rebalancing, auto-invest settings, and tax-minimization features.

From the team:

“The free version is great. I use the research section in the app a lot where you can find the latest news and stories on whichever stocks you’re invested in.” – Jimmy

Any drawbacks? While the folks on our team sang M-1 Finance’s praises, others have claimed that M-1 can lose some of its appeal for its weaker customer support.


It might be because we’re nerdy about finance, but several people on the Best Egg Team describe Cleo as “cool.” That’s because in addition to assessing your finances, Cleo shares insight into how you could save, alerts you to spending rules in your budget, and throws in little financial bits of wisdom in an uber-conversational way. Ask Cleo to Roast You, Toast You, Hype You Up, or provide a mystifying Daily Fortune to analyze your recent financial decisions and trends.

You’ll feel like you’re texting with a good friend, but it’s actually Cleo helping you manage your money better.

What sets Cleo apart

  • Cleo uses artificial intelligence to analyze your spending and run its communicative chatbot.
  • Cleo Plus costs $5.99 a year, which gets you an overdraft feature, cash back on spending, and small rewards for using the app.

From the team:

“It’s the only financial app I want to interact with on a regular basis… Cleo’s personality is what drew me in and makes me remember to check in. She’s like an old friend—not afraid to give it to you straight and call you out on your financial snafus, but there with a shoulder to cry on when you need it.” – Steph

Any drawbacks? This app isn’t for everyone. While many people love the personality of the Cleo app, some complain it’s distracting and doesn’t let them focus on their accounts. And like most financial apps, sometimes it categorizes transactions incorrectly, but it can be updated easily.

The best financial apps we haven’t mentioned yet, but are essential to managing your money online

Here are a few of the best financial apps that we think are crucial to personal finance.

  • Your banks and credit card company apps. Most major banks have apps that allow you to do most of your normal banking activities on your phone.
  • Secure Mobile Payment Apps. Apps like Zelle, CashApp, and Paypal can help you pay merchants, family members, and friends quickly and securely.
  • Be it to manage a budget, track long-term financial goals, or to store data from other financial apps, spreadsheet apps like Google Sheets or Excel are personal finance standards.

Download, try, delete, then try again

You might not find your favorite financial app overnight. Sometimes it takes a few months of using a personal finance app to get the full benefits. The best financial apps are the ones that work best for you and your finances, so don’t be afraid to try something new. Your financial goals may be closer than you think with a little help!