Where Can I Find Budgeting Apps for Free?

Creating a budget is a great way to manage your monthly earnings and spending. The goal of budgeting is to give you control over your finances. However, sticking to the traditional paper-and-pencil budget can be a daunting task. Thankfully, budgeting apps can help streamline the process for you.

The basic feature of a budgeting app is to derive insights from your financial information to help achieve your budget goals. Additionally, a budget app can provide insight into bank and credit card account balances. Best of all, most budgeting apps in the market are free to use. Unfortunately, for many of us, knowing where to find these free budgeting apps can be tougher. In this article, we’ll show you a few places to find budgeting apps for free.

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Mint is arguably one of the best budgeting apps for free in the market that’s available for both iOS and Android users. This free budgeting app allows you to manage your budget and track expenses using your mobile device. Intuit (the company behind the app which also owns and operates TurboTax) designed the free app to be user-friendly and equipped it with several innovative features.

With Mint, you can sync bank accounts, credit card accounts, loan accounts, and investment accounts. The budget app can also help you keep track of your retirement account by syncing a third party with the app. Specifically, Mint serves as a budget tracker that uses an approachable graph and chart to track spending. This invariably means that you can track your big-ticket purchases, buying decisions, and transactions in real time.

You also have the flexibility to create your budget based on your spending patterns instead of a specified budgeting strategy. Furthermore, the budget app categorizes your average spending, which allows you to shape your budgets monthly or annually as your expenses decrease or increase. You can also set bill reminders for recurring bills like insurance premiums and utility bills. And best of all, the app can generate an up-to-date free credit score.

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Personal Capital

With Personal Capital, you can monitor cash flow, track spending, and plan for any upcoming bill. Even better is the fact that you can see your debt payoff, be it mortgage debt or student loans. You can also use Personal Capital to determine your net worth and achieve your retirement goals.

The budgeting feature of the app comes at zero cost, however, you’ll have to pay a monthly fee to access the money management and investment tracking features. Nevertheless, it’s a top priority if you want a free budget app that does the basics.

It’s worthy to note that the Personal Capital budgeting app allows you to set savings goals. You also have the option of opening a high-yield savings account with Marcus online bank. With all the above said, it’s always a good idea to check to see if it’s appropriate for your budgeting goal before deciding to use Personal Capital.


PocketGuard is a top pick for college students. Most of its features are available to users for free. You can see how much money you have available to spend and the financial goal feature helps you keep track of your spending and finances. You can also use PocketGuard’s innovative algorithm to identify potential areas you can save. The downside is that the free version puts a limit on custom goals and categories.

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Fortunately, you can subscribe for the PocketGuard plus version, which comes at an affordable price tag. No doubt, the paid version has more features than the free version of the app. Whichever version you opt for, you get to enjoy an intuitive user interface and pie chart. Overall, PocketGuard helps to mitigate the risk of running overdraft accounts by tracking your disposable income at all times. The app also boasts an algorithm that lets you cancel any unwanted subscription.

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