![]() Debt Payoff Planner creates simple payoff strategies. The basic version of the app is free (and really has all you need), but you can upgrade to add in a “Cash” account for any money you don’t have tied to an online banking system.Ĩ. For example, you can use #DisneyTrip to categorize expenses for an upcoming vacation or #ChristmasGifts for higher-than-usual spending around the holidays. This app is pretty no-nonsense and straightforward, and I really like that you can categorize transactions with #hashtags to group spending that may not fall into a typical monthly budget. Once added, PocketGuard helps determine which transactions are reoccurring so you can easily identify bills and subscriptions. Like the rest of the apps, adding financial accounts is pretty easy. ![]() Treat your cash like, well, cash! PocketGuard takes the information from your synced financial accounts to give you the scenario of what “cash” would be in your pocket. YNAB encourages you to be willful and money-conscious.įREE | PocketGuard Plus available for $3.99/month to add cash account and additional features Once you log your transactions, you can view the breakdown of your spending with colorful, easy-to-read charts.ĥ. With your free account, you have 10 monthly envelopes for budgets like groceries, gas, and bills, along with 10 annual envelopes (great for vacation savings or holiday gifts).Īdding the transactions is pretty simple, and you can even split the transaction between multiple envelopes. You can also control when the envelopes are “refilled”. You simply open the app, create your envelopes (some example envelopes are pre-installed), and add transactions as they occur. Splitwise is a bill-splitting app that automatically splits. Splitwise is another app that could help you manage shared bills and expenses. Looking to take control of your finances, but don’t know where to start Your phone could help, thanks to a number of budgeting and savings apps. Having a digital envelope system is great for people who tend to make more purchases with credit cards rather than cash. 6 budgeting and savings apps worth checking out in 2023. What’s so good about GoodBudget is that it’s a virtual envelope system, and it doesn’t require you to actually sync up your financial accounts. FREE | GoodBudget Plus option for $5.99/month to add more envelopes and budgets ![]()
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