Are you looking for the best money apps for budgeting wisely this year?

We know how having a budget is important for the foundation of a successful financial journey, and these budget apps will help you to track, manage, and scale your money all in one place. 

6 Best Money Apps for Budgeting and Saving Money in 2026

And don’t worry, these money apps are for iPhones and Androids. Either way, you have no excuse to download and get started with managing your finances better using any one of these 6 best money apps. 

Let’s talk about what to expect with these apps for budgeting: 

They are easy to install

Proven to help plan and save more money 

Have the ability to track and monitor your every spend 

Gives you cash back offers 

 Best Money Apps for Budgeting 

Here are the best apps for budgeting using your iPhone or your Android. These apps are the most popular ones used by thousands of users. These apps are perfect because they are easy to use – no technical setup is required. 

GoodBudget

Budget and save your money using GoodBudget. They have 2 plans available, a free plan for $0, and you get debt tracking, a 1-year financial history, and 10 envelopes. If you’ve ever tried the 100 envelope challenge, it is very similar to saving using this budget tool. There is a paid version you can opt into for $10 per month or $80 per year. 

The premium plan gives you the option to use bank syncing, unlimited envelopes and accounts, as well as debt tracking and email support. With this plan, you can reference up to 7 years of financial history and connect up to 5 devices. 

Depending on your financial goals, you can choose the plan that will be feasible for you. If you are planning to buy a house or car, using the premium version would make sense. However, for smaller budgeting and saving goals, you can consider the free version of the app.

EveryDollar Budgeting app 

As the name says, you can expect to save and budget daily with this money app. The app is by Dave Ramsey, and it’s been one of the best money apps for budgeting the right way. Essentially, it’s perfect for those people who want to pay off their debt really fast, too. With this budget app, you can free up an extra $3015 in 30 days. The goal of any budget app is to track expenses and see what’s draining your pocket, and also to save more, but with EveryDollar, you can do way more than that. 

Money is a commodity that moves faster than you get it, and this app not only tracks it but also allows you to spend it with better intentions. And the advantage of using this budget app on your phone is that you will have access to tools that will help you stay connected. There are two plans available for this app. You can choose the free version with limited features. This one requires manual input of your data. 

With the paid or premium feature, you get automatic sync transactions, charts, tracking, an emergency fund, and goal status for $130 per month. 

YNAB ( You Need a Budget) 

This is the best money app for budgeting, known for its highly comprehensive and user-friendly software to help you save and manage every dollar. It helps you to create an effective budgeting plan to avoid overspending and manage debt, which reduces financial stress.  It’s easy to sign up on your iPhone, computer, or smartphone. 

You will be asked a series of questions to create your profile. YNAB will help you create the best plan to get out of debt and use your money wisely. They have a free trial for 30 days, then you can upgrade to their premium plan for $99/mo 

Monarch 

If you’re looking for a YNAB alternative, consider the Monarch budgeting app. It has comprehensive features to help you nail your spending habits and allow you to save more and spend less. 

Get access to automated transactions, bank syncing, and track your expenses with their reporting features. Overall, the best budget app for iPhones and Android that has an easy-to-use interface. 

The premium cost is $14.99 per month or pay $99 per year. The advantage of this app is that you can have multiple accounts within your household, and information can be shared with your partner or financial advisor. 

Albert App 

This is the perfect money app for investing, saving, and creating a budget. You use this app on your phone to track where all your money goes so that you can eliminate unnecessary spending. The budgeting tool is known for its performance in automatic tracking, goal setting, and networth status. There are a few options for their paid version starting at $14.99 per month. 

Rocket Money 

Rocket Money is a popular, easy-to-use personal finance app that helps users monitor spending, stay on budget, and cancel forgotten subscriptions—often putting money back in their pockets right away. It’s especially strong at spotting recurring charges and can even negotiate certain bills on your behalf. While some advanced features require a paid plan, and investment tracking is fairly basic, the app delivers strong value for everyday money management.

6 Best Money Apps for Budgeting Wrap Up 

Managing your money in 2026 doesn’t have to feel overwhelming. The right budgeting and saving app can help you see where your money is going, cut waste, build better habits, and grow your savings faster—without constantly stressing about every dollar.

The best money apps today go beyond basic tracking. They automate budgeting, flag unnecessary spending, cancel forgotten subscriptions, and help you save intentionally for both short-term goals and long-term freedom. Whether you’re just starting your financial journey or tightening up your finances to reach bigger goals, there’s an app on this list that fits your lifestyle.

The key is simple: pick one app, commit to using it consistently, and let small daily decisions compound over time. Financial stability isn’t built overnight—but the right tools can make the process easier, smarter, and far more effective.