Best Personal Finance Apps of 2014

Best Budgeting Apps of 2014

We’re about two weeks into January, which means the excitement we felt for our New Year’s resolutions is starting to wane. Or perhaps for some of us it has already wilted and died. Boooo! If so, time to replant that baby! And although we can’t help you feel excited about ingesting that kale you bought last week, we’ll try to help reignite your excitement for your 2014 finances. Johnny and I are big proponents of tracking every cent, and budgeting apps make it so simple to do just that. You’ve got your phone with you all the time, so tracking your spending each day literally takes less than a minute.

All right, ready for the best budgeting apps of 2014? Here we go…

NOTE: All apps listed below are for iPhone. We cannot speak to the availability or functionality on other phone platforms.

Paid Budgeting Apps

HomeBudget App           DollarBird App
L: HomeBudget // R: Dollarbird

HomeBudget with Sync ($4.99 – 4.5 stars)
Everyone has a budgeting system that works for them. For Johnny and me, this is the holy grail. We swear by this app. The design and flow is intuitive and really easy to set up. But the biggest draw has always been that it syncs our budget in the cloud to both of our phones so that we’re always on the same page.

Dollarbird ($1.99 – 4.5 stars)
This app’s design is simple and intuitive. And it’s calendar-centric, tracking where you are for the month and charting your net worth over time. It’s a beaut, and we’d be using it exclusively if only it had a sync option!

Moneywiz ($4.99 – 4.5 stars)
This app has it all. You can import all of your accounts, as well as create custom budgets. And the app alerts you know when you’re running low on dough in certain categories. The best part? It has immediate cloud syncing across all of your devices. Suhweet.

Free Budgeting Apps

Level Money App         Mint.com App
L: Level Money // R: Mint.com
Level Money (4.5 stars)
If you’re looking for the cleanest, most beautiful app for your moneys, here ya go. It automatically links to your bank accounts, and gives you an easy, at-a-glance view of how your remaining budget balance looks on any given day, week, or month.

Mint.com (4.5 stars)
If you don’t have a Mint account, go get one. Now. We’ll still be here after you sign up… Done? Good. This app syncs with your Mint.com account and automatically tracks everything on your phone: your bank accounts, credit cards, loans, spending, etc. It’s incredibly intuitive and it’s all in one place so you can easily see the big financial picture. We use this alongside our HomeBudget app.

Budget Ease (New)
This brand spankin’ new app looks promising for all you envelopers out there. It’s simple design makes it easy to add and track all of your envelope transactions. Time will tell since it’s a youngin’, but I’m betting this one’s a keeper.

Honorable Mentions

Spendee App        LearnVest App
L: Spendee // R: LearnVest
Spendee ($1.99 – 4 stars)
If you’re looking for sleek and user-friendly, give this app a try. It’s got both brains and beauty, while keeping your budgeting experience super simple. I’m hoping they come out with an update that syncs devices so Johnny and I can use it for ourselves!

LearnVest (free – 4.5 stars)
Talk about helpful! LearnVest not only tracks your transactions, but it also links your accounts and lets you set goals. You can also sign up to get expert help (for a fee) with your bottom line. If you’re looking for a comprehensive money app, this is another worthy option of your consideration.

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Need to get your budget in shape? Look no further than our list of Best Budgeting Apps of 2014!

Conclusion

Hopefully one of those apps is just the ticket you need to get back on track with your budgeting this year. Now if we can just find an app that cleans our kitchen while we sleep and makes kale taste like Twinkies, we’ll be all set!

Any other apps you’d add to this list? How do you feel about paying money for an app that’s supposed to help you save… money?

39 Comments

  1. Jennifer @ Budgeting in Baby
    January 13, 2014 at 11:05 am

    I don’t pay for apps. There are so many free apps, that I feel like I should be able to find something comparable to an app that cost.
    I tried to used mint.com however, it doesn’t have my small town bank. I haven’t looked into anything else like it because I don’t want to deal with signing up just not to be able to actually use it.

    Reply

    • Johnny
      January 15, 2014 at 2:37 am

      There’s plenty of great free options. Mint probably still takes the cake of the freebies. Bummer about your bank not being linked up. You should tell them to get their electronic act together to make your life easier. :)

      Reply

  2. Ange @ Cowgirl Runs
    January 13, 2014 at 12:10 pm

    I started using You Need A Budget (YNAB) and I really like it. It’s desktop software for $60 but also has a iPhone (and Andriod, I think?) app that will sync to the desktop. I like the functionality of it and found I liked the interface and functionality better than HomeBudget.

    Reply

    • Justin Williamson
      January 13, 2014 at 3:57 pm

      I started using YNAB as well! The desktop feature is cool, and it syncs really well. It’s a bit expensive, but well worth it in the long run.

      Reply

    • Johnny
      January 15, 2014 at 2:43 am

      I’ve been meaning to try YNAB since last year’s personal finance post, but I have a hard time swallowing the price point. It looks really nice and comprehensive, so we need to at least give the trial a whirl.

      Reply

      • jessie
        March 1, 2014 at 9:09 pm

        we love ynab. I found you on pinterest, and thought i would look at what you have.

        Reply

  3. Cassie
    January 13, 2014 at 1:11 pm

    I have yet to pay for an app for my phone, let alone one that’s supposed to save me money! I’m hoping to keep that up as long as I can. I’m using an app called Spending, which tracks your income and expenses, and creates little pie charts and cash flow reports based on what you input.

    Reply

    • Johnny
      January 15, 2014 at 2:47 am

      That’s a good streak! HomeBudget was the first app we caved on. I don’t think I’ve bought any since, but HomeBudget has proved its worth over the last couple years.

      Reply

  4. Maureen
    January 13, 2014 at 3:44 pm

    I usually hate spending money on apps, but the fact that HomeBudget can sync with my husband’s phone as well might change my mind!

    Reply

    • Johnny
      January 15, 2014 at 2:48 am

      Amen. I’m okay with spending a couple bucks if it means saving a buncha bucks.

      Reply

      • Jennifer
        June 5, 2014 at 8:37 pm

        I am really new to all this budgeting talk, and definitely not very tech-savvy to boot. When you talk about the HomeBudget app being able to sync to another device, does that other device have to share the same iTunes account? I’m sorry if this is a silly question, by the way. I am just here to gain knowledge:)

        Reply

        • Joanna
          July 9, 2014 at 5:27 pm

          No, it doesn’t have to share the same account. Johnny and I have different accounts. It syncs to both of our phones!

  5. Jess
    January 14, 2014 at 9:52 am

    I use mint.com. It definitely keeps me grounded and humble. And shows me, WOW, you spent $300 on fast food this month. Yikes! Love Mint.

    Reply

    • Johnny
      January 15, 2014 at 2:57 am

      Mint does a really good job at making you feel dumb about how you spend money. :) But we love the site/app regardless.

      Reply

  6. Jenni
    February 8, 2014 at 3:00 pm

    Budget Ease was VERY easy to set up. I liked the overall layout. HOWEVER, although the app is free, it is NOT a free service. If you want to set up your budget through their website and use it in conjunction with the app it is $6.99 per month. Ugh. There is a free 14 day trial period, which is nice, but I think that price is way too high….. But I love the format of the envelopes and categories….. Now to try something else… :-)

    Reply

    • Johnny
      February 18, 2014 at 1:49 am

      Errgh, the hidden premium fees. We also really liked the format, but we weren’t aware of the monthly charge to sync it to web. Thanks for letting us and other readers know.

      Reply

  7. kim t.
    February 11, 2014 at 11:53 pm

    Perhaps I am asking too much… But I want a budget app that I can also jeep my shopping lists on. Suggestions?

    Reply

    • Johnny
      February 18, 2014 at 1:49 am

      That’s a great question. We haven’t seen anything in our searches in the App Store, but we’ll keep our eye out for one.

      Reply

  8. Panda
    February 16, 2014 at 10:09 pm

    I am already using about 7 of these apps, but plan to download several more. I’m all about saving money every possible way I can. I think the most important thing is just to know where you are spending money. One app you’re forgetting is Gas Buddy…Thanks for the suggested apps!

    Reply

  9. jolie
    February 19, 2014 at 10:35 am

    Thanks for the great list of apps and the extra ones in the comments. I haven’t tried an app yet for keeping track of my expenses. I downloaded Cassie’s suggestion to start with.

    Reply

  10. Kelly
    February 27, 2014 at 8:26 pm

    Thanks guys, for the recommendation for the Home Budget app. I was hesitant as I don’t live in the US, but I see it has different currencies available (plus the option of mixing currencies, which is great as I have a rental in NZ but live in Australia). This is awesome!!

    Love your posts, always look forward to them on my Bloglovin’ feed.

    Reply

    • Johnny
      February 28, 2014 at 12:20 am

      That’s awesome! We had no idea about the currency, but that’s great to know in the event we ever find ourselves elsewhere in the world.

      Thanks for your comment, Kelly!

      Reply

  11. jessie
    March 1, 2014 at 9:10 pm

    is it worth it to have more then one budget app?

    Reply

    • Johnny
      March 5, 2014 at 1:00 am

      Personally, we use Mint and another budgeting app. Mint provides us great automated expense tracking and data, while our budgeting app is what we use on a daily basis. I could see this getting cumbersome for others, but it works for us.

      Reply

      • Stacey
        June 3, 2014 at 11:14 pm

        What is the other app called that you use other than Mint?

        Reply

        • Joanna
          June 4, 2014 at 12:29 am

          Hi Stacey! We also use the HomeBudget app, which we’ve both downloaded. It syncs to both of our phones, so if Johnny enters something in, it shows up on my phone too. We’ve really liked it!

  12. Sheena
    June 2, 2014 at 10:06 pm

    We got HomeBudget and I really like it so far, still trying to figure out all the screens! BUT I’m wondering if there’s any feature that shows you like weekly income rather than monthly. It’s great to have a list of income and a list of expenses but you don’t get paid all of it on the first of the month. We entered our income on the days we get paid but I don’t see anything that tracks where you are at for the week and/or shows you what bills you can pay this week, next week, etc…kind of like a Ramsey plan type of thing? Any help would be greatly appreciated!!!!

    Reply

  13. Sarah
    June 30, 2014 at 7:22 am

    Hello,
    Just put the Homebudget app on my iPad. Seems great so far!
    Does anyone know how to add a future Budget item that is simply one -off?
    (Eg. It is now June but I want to add a single birthday party budget item to the September cycle.)

    Just can’t seem to make it happen.

    Thankyou,

    Reply

  14. Kyo
    July 6, 2014 at 8:58 am

    I bought this app, and it cost me almost 20 dollars… I was really enthusiastic about it. But from the first week it was terrible, I spend so much time introducing all the data and it just erase itself. I ask for cutomer help, and after a week or so, they replay saying it was just a “click” error (so it was on me). ok. I restart again… and after a couple of days not using the computer I check out again this and it was empty again!. I ask for my reciept (not even a devolution) and they just quit answering my mails…. I am still waiting (since 2013)… so no, I do not recomend this app to no one, it seems good and complete but actually is a complete waist of time that I am sure all of you are also lack off like me.
    Good Luck

    Reply

    • Joanna
      July 9, 2014 at 5:31 pm

      I’m not sure which app you’re referring to, but I’m sorry you’ve had trouble! I hope you’re able to find an app that works out!

      Reply

  15. Amy
    August 12, 2014 at 5:28 pm

    You missed the super simple but excellent app “BigSpender”
    https://itunes.apple.com/us/app/bigspender-budget-tracking/id730148775?mt=8

    Reply

  16. Nic
    August 17, 2014 at 11:35 pm

    How do you use home budget with mint? Don’t they do about the same thing? What is your daily/weekly/monthly/… Workflow? I’m going to start using something and love this post, but am looking for some best practices: “use this for this and that for that” kind of granular detail for new adopters that want to mimic your flow.

    Thanks.

    Reply

  17. Mark
    August 23, 2014 at 3:53 pm

    I highly recommend YNAB – it really helped us as a family in two areas: accuracy of our money situation and helping us to save for future purchases. The app is so simple that it almost makes buying things enjoyable! I’m a therapist and several of my clients have completely changed their money situation, decreased their financial stress, and gotten optimistic again about their future. $60 is a steal for this well written, well supported, and constantly updated program. Haven’t found anything better.

    Reply

  18. Veronica
    August 26, 2014 at 1:41 pm

    Do any of these apps allow you to only manually enter transactions? I’ve found that if I don’t manually enter it that I don’t go back and make sure its entering in the right budget category…

    Reply

  19. Linda
    August 31, 2014 at 7:51 pm

    Do you know if any of these apps can interface with Quickbooks? My husband has expenses for his business that need to get entered into Quickbooks, but they occur between his personal budget expenses, so I usually have to enter them separately later. I am looking for a way that he can enter those without going to a separate app. Any ideas?

    Reply

  20. john
    September 23, 2014 at 8:41 pm

    ​I love the app “budge it”. It is a free app that let’s you manage your finances without neither logging your expenses nor linking your credit cards(who doesn’t hate that!). Super smart planner! http://www.budgeit.me

    Reply

  21. Justine
    October 2, 2014 at 9:08 am

    Reply

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