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Important Financial Apps you should have on your phone

Managing your finances is one of the most important things to do. With all the Android and iOS mobile apps available on the Google Play Store and Apple store, there are various important financial apps you should have on your phone. The apps will help you get a comprehensive picture of your financial situation, track your finances, know your income and expenses, and effectively budget your money. You can manage your finances on paper or a computer, but using your mobile phone is the most convenient option because of its portability. If you are wondering which important financial apps you should have, we have made a list of some of them in this article. You should also note that they are not all available for free; you might need to buy a subscription to use some.

List of some of the most important Financial Apps you should have on your phone

1.    You Need A Budget (YNAB)

YNAB is a budgeting app founded in 2004 by a couple trying to figure out a better way to get their budget under control. It was initially a sophisticated spreadsheet before being turned into web-based software. It was eventually launched as a financial app in 2015. Since then, it has consistently been ranked as one of the best financial apps.

What sets YNAB apart from other financial apps is its four rules on how your budget should be set up, as shown below:

  • Every coin has a job.
  • Embrace your true expenses.
  • Roll with the punches.
  • Age your money.

Unlike other financial apps, YNAB enables users to always look forward instead of backward. It doesn’t focus on where your money went but rather helps you decide how you will use the money you already have. If you need to try out YNAB on your phone, it is available on Google Play Store and Apple Store.

2.    EveryDollar

If you need to reach your financial goals as quickly as possible, then EveryDollar is a financial app you should have. It is built upon the idea that you should be living on last month’s income. EveryDollar is all about zero-based budgeting. The idea here is to give all your money a purpose.

Like most financial apps, EveryDollar allows you to sync your bank accounts and credit cards. You can also import your transactions to easily keep track of everything in one place.

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The basic version of the EveryDollar app is entirely free to use with access to all the basic features. However, you will have to input all of your transactions manually. Its paid version, known as EveryDollar Plus, automatically allows you to transfer and track transactions without inputting anything manually.

EveryDollar is available on the Apple Store and Google Play Store. If you want to access the extra features of the paid version, you will have to pay either a three-month subscription of $59.99, $99.99 for six months, or $129.99 for one year.

3.    Mint

Mint is one of the best free financial apps you should have on your phone. It can show your financial situation by displaying what is going on with all your finances at any given moment. With Mint, you will be able to know your net worth, your current month’s spending, the available cash in your account, your investments, your credit card balance, and your loans. Furthermore, it has extensive budget tools, expense trackers, financial insights, and cost lowering features.

With about 25 million users, Mint is one of the most popular financial apps out there. The app is available for Android and iPhone users if you need to try it. The financial app has a 4.8-star rating on Apple Store and 4.5 on Google Play Store.

4.    Goodbudget

Goodbudget is another great financial app you should have on your phone. The app is available on Android, iOS, and through its website. It utilizes the traditional envelope budgeting system where each envelope is allocated cash to spend on different things like food, fuel, bills, groceries, rent, etc.

With the envelope budgeting system, Goodbudget helps you to plan your finances before you spend them, know how much you have left to spend, and track where your money goes. It also provides an insight into how you’ve spent your income and helps to make future decisions on your finances.

Goodbudget doesn’t have the option to link it to a bank or credit card account, but you can import a bank file to get started. It has a limited plan available for free, but you can also use a paid version for about $7 per month or $60 per year to unlock all of its features. The app is rated 4.7 on the Apple store and 4.5 on Google Play Store.

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5.    Quicken

Quicken is one of the most important mobile apps that can help you budget your income wisely. If you have a lot of finances to manage, Quicken puts them all in one place so you can manage them with confidence. As you connect your accounts, Quicken downloads your balances and transactions. The financial app then automatically puts all your accounts together so that you can see your whole financial picture. Furthermore, if you want to organize your bills, Quicken’s bill manager downloads, tracks them for you, and lets you pay them electronically with a click.

Another cool feature about Quicken is that you can take a closer look at your spending. They are arranged in categories enabling you to see where your money is going. You can edit those categories or add your own as you wish.

Quicken can also assist you in creating a budget. The financial app scans your transactions and creates a personalized budget based on your actual spending. You can then customize the budget to fit your needs. Quicken keeps the budget updated so that you can stay on track.

You can also monitor your investments with Quicken. It enables you to see all your investing accounts at once in a customizable view. You can see your actual market returns and even set up an investment watch list for new stocks that you might want to buy in the future.

6.    Pocket Guard

If you feel concerned that your spending habits have gone a little out of control, you can download Pocket Guard to help you manage it. It is one of the most important financial apps available for Android and iOS platforms. Pocket Guard can sync with your bank account and categorize your transactions based on the margins you purchase goods from or bills you pay.

When you first set up your Pocket Guard account, you will be connected to your various financial accounts like bills, savings, groceries, etc. It gives the app a sense of your financial worth. It can also determine how much debt you have and your spending habits. If you are worried about whether your account is secured or not, the app lets you set up a passcode on registration which you will have to enter every time you want to use it.

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After you set up your Pocket Guard account, you can mark which transactions are bills to keep track of them. You can choose the frequency of when these bills are paid, and you can also add how often your income is deposited in your account.

7.    Prism

Prism is a great financial app available for android and iOS users. It is a digital product that can help you achieve your financial goals. You can connect Prism to your account, where it can sync your bills, your bank balances, and your paycheck. The app has a calendar feature that can track your paydays and remind you of your due days for bills, which can be paid directly within the app.

Prism allows you to check the amount of money you have and the amount you owe. By using Prism to pay your bills on time, you can avoid penalties for late bill payments and can also help improve your credit score.

Read>>>13 Free Must have Apps for Android

8.    Honeydue

Are you and your partner looking for a smart way to make sure you are on the same page when it comes to merging and managing your finances? If so,  Honeydue is the financial app you should have on your phone. It is available for both iOS and Android users. The app is designed to help couples stay on top of their personal and joint finances. To achieve this, Honeydue offers several features that include:

  • Transaction notes
  • Bill due alerts
  • Account balances
  • Running tab between partners

The ability to view all of your account balances in one place is one of the essential features that Honeydue has. Like many other financial apps, Honeydue allows you to connect to your various bank accounts, credit cards, loans, etc. The only difference is that you can label the accounts as joint or solo accounts. You can even choose to hide some accounts so your partner can’t see them if you wish.

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