Top Budgeting Apps to Track Your Finances in 2025
Managing your money wisely has never been more crucial. Whether you’re saving for a goal, trying to pay off debt, or simply want to track your spending, budgeting apps can make a huge difference. In 2025, there are more options than ever — but which ones are worth your time?
In this guide, we’ll explore the top budgeting apps that can help you take control of your finances this year.
1. YNAB (You Need a Budget)
- Best for: Serious budgeters who want full control
- Platform: iOS, Android, Web
- Cost: $14.99/month (free trial available)
YNAB helps users assign every dollar a job. It’s perfect for those who want to build better habits and actively manage cash flow. Its proactive approach helps you plan ahead rather than just track what you’ve spent.
Top features:
- Real-time syncing across devices
- Goal tracking
- Detailed reports
2. Mint
- Best for: Beginners
- Platform: iOS, Android, Web
- Cost: Free (with ads)
Mint is one of the most popular personal finance apps for a reason. It automatically syncs with your bank accounts and categorizes transactions, making budgeting effortless.
Top features:
- Custom budgets and alerts
- Bill reminders
- Free credit score monitoring
3. PocketGuard
- Best for: Simple tracking and limiting spending
- Platform: iOS, Android
- Cost: Free / Plus version at $7.99/month
PocketGuard shows you exactly how much you have “left to spend” after bills, savings, and goals. It’s designed to stop overspending before it happens.
Top features:
- Automatic categorization
- Identify recurring subscriptions
- Set savings goals
4. Goodbudget
- Best for: Envelope budgeting fans
- Platform: iOS, Android, Web
- Cost: Free / Plus version at $8/month
Goodbudget uses a digital envelope system, great for couples and people who want to plan every expense ahead of time.
Top features:
- Sync across multiple devices
- Manual transaction entry (promotes mindfulness)
- Debt payoff tracking
5. Monarch Money
- Best for: Families and long-term financial planning
- Platform: iOS, Android, Web
- Cost: $14.99/month
A newer entry in the budgeting space, Monarch focuses on collaboration. Couples and families can track shared goals, making it perfect for joint finances.
Top features:
- Shared access with household members
- Long-term planning tools
- Net worth tracking
6. EveryDollar
- Best for: Fans of zero-based budgeting
- Platform: iOS, Android, Web
- Cost: Free / Premium version at $12.99/month
Created by Dave Ramsey, EveryDollar is simple, clean, and focused on zero-based budgeting principles. It’s excellent for tracking every dollar and staying on top of financial goals.
Top features:
- Drag-and-drop budgeting
- Debt tracking tools
- Personalized money plans
Final Thoughts
The best budgeting app is the one you’ll actually use consistently. Whether you’re looking for a detailed zero-based tool like YNAB or a hands-off tracker like Mint, there’s something for everyone in 2025.
Start small, stay consistent, and watch your financial habits transform.
