Let’s face it – budgeting can be really hard! From creating your budget, sticking to it, and building your savings, there’s a lot to consider when it comes to your finances.

The good news is that technology has made it much easier to reach your financial goals. Apps can help you with budgeting, saving, and even investing! To help you reach those goals, here are 5 of the best budgeting apps you should download today.


The company behind the popular tax software, TurboTax, also has a budgeting software – Mint. Once you connect your debit cards and credit cards to the app, Mint will automatically assign categories to your purchases and keep your budget updated in real-time.

The best part about Mint? It’s absolutely free.


Buddy helps you track your household expenses, by yourself or with your loved ones! The app lets you break down your spending by category and helps track your savings.

Buddy is the perfect app for individuals or couples who share a budget. The Split feature also makes it easy to calculate and settle shared expenses. The easy-to-use app makes it simple to invite friends or family to different budgets you’ve set up in your account.

The only con is that there is no free version of Buddy for those without the budget for a budgeting app.


Koho is a credit card and budgeting app all in one. Instead of keeping track of your spending in separate accounts, simply load money into your Koho card. Set a budget in the Koho app, use your Koho card, and Koho will help keep track of your purchases for you. The app also has a feature to accelerate your savings by rounding up your purchases.

Koho is great for those who love the convenience of a credit card but the simplicity of cash!

Koho’s basic card is free and you’ll enjoy cashback on every purchase!

YNAB (You Need A Budget)

The name of this app says it all – you need a budget!

YNAB is great for those who want to get straight down to budgeting business. YNAB also offers unique features like Loan Calculators and Net Worth Reports.

While there is a cost for YNAB, the app stands out with its ad-free platform and commitment to not selling customer data.


While Moka is a bit different than a traditional budgeting app, Moka helps make saving painless and simple. Moka rounds all your spending up to the nearest dollar, then invests that extra spending for you.

Moka is a great solution for people who find it difficult to save their extra income. While a couple of cents doesn’t seem like a lot, you’ll find that those cents can add up really quickly! However, if you’re looking for more specific help with your budgeting, you may want to consider using it together with another app.

Not sure which app is best for you or need custom advice? Book a free consultation with Steven to see if he can help with your budgeting and financial goals.