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5 Best Budgeting Apps for People Living Paycheck to Paycheck

Man walking using a budgeting app

These apps take a little set-up, but after that, enjoy taking the brainwork out of every spending decision. Whether you’re just trying to cut down on needless spending or saving up for a big purchase, these apps help you reach your goal quicker.

Every Dollar

Available on Android, iOS and on desktop, Every Dollar has a very simple user interface that makes budgeting simple. User can expect to take less than ten minutes setting their first budget. The service ditches spreadsheets and offers many helpful visuals so you can see where your money is going. Tracking your spending and managing your money is super convenient with the app, and it syncs across devices so whenever you open it, you’re looking at the most up to date information. Every Dollar lets you budget confidently – the app is based on a proven plan that has helped millions of people get out of debt.

Mint

Available on both iOS and Android, Mint is one of the most popular money managing apps. Users can easily view all of their bank accounts in the app and categorize all of their expenses by category, such as utilities or food. Unique to Mint is that it lets you set spending limits for each category, and will send you an alert when you are approaching the limit. Users can also get a free credit score within the app. Lastly, users should feel safe using Mint, as it was developed by Intuit and backed by their security system.

Digit

Digit it perhaps the most unique app on this list. It does the basics like connecting to your bank account and view your transaction history just like the others. What sets it apart is that it analyzes your income and spending habits over time, and by using a unique algorithm it sets aside small amounts of money into a separate “Digit savings” account that it thinks you would have spent wastefully. Many users claim it has helped them save a lot of money, but if you don’t like it you can easily transfer the money back to your checking account for no fee. Lastly, the service has a “no overdraft guarantee” and promises to not take more money than you can afford out of your account.

Level Money

Level money is a great app for people who know the importance of saving and want to do it, while also spending their hard money however they choose. Level money lets you set a savings goal for a time period and helps you plan for future expenses, like bills. The app then informs you of any money you have left over – called spendable money – and illustrates this nicely with a helpful graph. The app also has a daily spending guide to help you stay focused on your financial goals, and will alert you if you’re spending more than usual.

Spendbook

This one is only for iOS users, and will cost $1.99. Spendbook has built in expense tracking and lets you set budgets. The app is very user friendly, adding a new income stream or expense transaction can be done with just a swipe down. The app lets you take photos of receipts and items you have purchased and then categorize them. Lastly, the app gives users a daily and monthly summary of their expenses, as well as charts and infographics to help users spot trends in their spending habits and look for ways to improve.

 

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