8 Favorite Apps for Personal Budget Management in 2021

Life Style

8 Personal Budget Management Applications
Mobytelab Team

Mobytelab Team

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When you’re on top of money, life is pleasant. The biggest excuses not to make a budget are time, security and failures. Once you set up your budget with one of these budgeting apps, those excuses are not valuable. These apps will help you take all the hassle and make better money decisions.


Mint is one of the best tools to effortlessly manage your budget in one place and maximize your money every day. The app brings together everything from your bank accounts balances and spending, credit score, bills and investments so you can get a complete picture of your financial life.

The app is able to connect to your bank and use your details to help you easily create a personalized budget, and shows suggestions based on your spending. Mint uses the same security as banks and the app comes from the makers of TurboTax and Quicken app, which are trusted by millions with their most sensitive data. So you can wash out all the concerns for the security of your accounts and data.

Mint makes payments never get easier. The app helps you track, manage and pay your bills quickly on the spot. It even allows scheduled payments so you can say goodbye to late fees. Mint will also send you alerts to unusual account charges, identify custom tips for your spending for reducing fees and saving money. Mint also includes your credit score, so you can see a big picture view of your budget and your personal finances.

The app even finds you a free credit score with no credit card required, then give tips to keep it healthy and improve it later.

Mint is available for iPhone, iPad and Android, so you can track and master your budget anywhere at any time without needing to log into multiple sites. The mobile version can be synced with a desktop version at Mint.com. You can even export spreadsheets from the web, and more.

2.Pocket Guard

With all of your financial accounts in one place, Pocket Guard gives you accessibility to your current transactions and balance.

On the home screen there shows an insight into how much money you have left “in your pocket” and how much you have spent. There is also simple charts outline where exactly you spend your money by category, compare your current month’s spending to your average, track your net worth change over time. The app also analyzes your spending and your income so that you have a good idea of whether you’re bringing in the big bucks or need to slow your spending.

Therefore, the app is an essential tool to lower your recurring bills and optimize your purchases.

PocketGuard works on iPhone, Android and on the web. There is also an Apple Watch component.

3.Unsplugre [Removed]

Saving is for spending. Unsplugre appears to be a great tool that helps to save up for specific purposes. The app gives you the ability to set up your own goal, it could be a vacation, a new house or paying off debt, which keeps you more focused on your financial goal. You will also be given great motivation by seeing how other friends are reaching their goals and encourage each other. The community aspect is another enjoyment. It is more fun to use when you can join the community and learn some tips and tricks to be a better saver and reach your goal. Simply log into the app progress and start your challenge. You will find reasons to save more and more.

Unsplurge is free and available only for iPhone.

4.Personal Capital

If you’re already mastered your budget, it’s wise to make some investment. At that time you need a really powerful money management app to assist you. Personal Capital has won many prestigious wealth management and investing app awards.

The app gathers all your financial accounts in one place and gives you a comprehensive view of your income, expenses, savings, investment performance and even debt. You can compare your portfolio against major market finance benchmarks using the Personal Capital “You Index”. Staying on track on the daily market status and knowing where you stand all the time can help you to save better and make further steps.

But the app’s strength is to help you not only manage your pocket but also grow your money over time. So it won’t let you do it alone. Using robot advisors, Personal Capital also analyze and give you some advice on selling some stock, diversifying your investments, or make any necessary account adjustments.

Personal Capital is on mobile, tablet and now Android wearable devices.

5.Money Lover

Money Lover is a popular budgeting app with an expense app that has a lot going for it.

The app gives reports of your daily, monthly or even yearly spending habits (it can be in a specific category) to help you visualize where your money goes. Therefore, you can plan a more effective way not to splurge your money. The app provides free basic money management features such as bill reminders, but you can experience some advanced features using in-app purchases.

Forget about the complicated and stressful notebook and pen, or excel sheet, you are able to manage your personal finance anywhere at any time right on your handy application.

The app also delights user experience with a friendly user interface and some features like multi-device syncing, DashClock support, multi-currency support, and a built-in calculator.

6.You Need A Budget

Its category-based interface makes it easy to allocate available funds for bills, discretionary spending, debt payments, and savings goals. If an unexpected expense comes up in a category you didn’t budget for, you can move funds from a budgeted category by clicking on it and sending the amount where it’s needed. If you over-budget, YNAB highlights the offending categories in red so you can re-allocate dollars and get your budget balance back to zero.

The program’s greatest asset is its four rules of budgeting:

  • Give every dollar a job

  • Embrace your true expenses

  • Roll with the punches

  • Age your money.

7.Level Money [Removed]

For those who have fairly uncomplicated financial situations, the Level Money app tells you how much you can afford to spend day-to-day, as well as how much money you can sock away. If you’re totally oblivious to your daily spending allowance, it’s a good app to keep your immediate finances on track.


Wally allows you to balance your income and expenses by understanding where your money goes. It offers the ability to set both financial goals and budgets, as well as save receipts and export the data you enter into an Excel document.

If you have location services on, Wally will automatically identify and categorize where you are so you just need to enter the amount you spent, while smart notifications remind you of important things like an upcoming payment or an achieved goal. The more you use Wally, the smarter it becomes by adapting to your preferences and offering personalized insights into your finances.


In some way making a budget is similar to dieting. You need to ease into it or you’ll lose your willpower after a week. That is the reason why you need a support tool that can help keep you on track and make the progress less painful. Now you can build a better financial life using a budgeting app that works for you. If you have any other splendid ideas for a budget and financial management app, let us know.


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