In 2025, managing your money will be easier than ever, owing to a variety of budgeting apps designed to help you spend sensibly, save consistently, and maintain financial control. There’s a tool for any aim, whether you’re budgeting in your twenties, managing family finances, or preparing large purchases.
What is the best part? These apps do not require significant financial expertise. They’re intended for real people with actual spending habits, like you. Below, we’ve compiled a list of the best budgeting apps 2025, organized by features, pricing, and target audience.
Why Use Best Budgeting Apps 2025?
Budgeting apps make easier the process of managing your money. They automate expense tracking, categorize spending, send real-time notifications, and provide useful information. Whether you prefer a hands-on or hands-off strategy, an app can help you budget more quickly, easily, and accurately.
Many also provide goal-setting, debt tracking, and shared budgets for couples or families, which standard spreadsheets frequently lack.
7 Best Budgeting Apps 2025
1. YNAB (You Need a Budget)
YNAB is popular among detail-oriented budgeters who seek complete control over their finances. It employs a zero-based budgeting strategy, which ensures that every dollar is put to work. The app encourages users to plan ahead, allocate funds to categories, and keep to their goals. Users can break the cycle of paycheck-to-paycheck and make better spending decisions with YNAB’s comprehensive reports, goal tracking, and financial education. While it does have a learning curve, its committed user base believes the rewards are well worth it.
Best For: Hands-on budgeting & financial goal setting
Pricing: Free trial + $14.99/month or $99/year
Related: Zero-Based Budgeting vs Envelope Budgeting: Which Is Better?
2. Mint (by Intuit)
Mint is one of the most widely used free budgeting programs for beginners. It automatically links to your bank and credit card accounts, categorizes your transactions, and displays where your money is going. Alerts about invoices, unforeseen expenses, and even your credit score will be sent to you. Mint’s intuitive UI and informative visuals make it simple for anybody to get started. While it lacks advanced customizing options, it’s an excellent tool for tracking spending and raising awareness.
Best For: Beginners & visual budgeters
Pricing: Free
3. Rocket Money (Formerly Truebill)
Rocket Money goes beyond budgeting and focuses on spending reduction. It automatically recognizes subscriptions and recurring expenditures, allowing you to easily cancel unwanted services with a few touches. It can even negotiate invoices on your behalf, allowing you to save money without lifting a finger.
Along with basic budgeting tools and spending insights, Rocket Money has a subscription edition that allows for more extensive financial tracking. It’s great for anyone trying to save waste and optimize their monthly budget.
Best For: Managing subscriptions and cutting unnecessary expenses
Pricing: $3–$12/month for premium features, with the basic version being free.
4. PocketGuard
PocketGuard prevents overspending by assessing how much you may safely spend after bills, goals, and necessities. Its famous “In My Pocket” feature estimates your safe-to-spend amount in real time, so you’re always aware before making a purchase. It also has options for tracking bills, integrating accounts, and making savings goals. If you routinely overspend or live paycheck to paycheck, PocketGuard can help you keep on track.
Best For: People who overspend easily
Pricing: Free version; PocketGuard Plus is $7.99/month
5. Goodbudget
Goodbudget is a modernized version of the envelope budgeting system. Instead of using cash envelopes, you create digital ones for various spending categories such as groceries, rent, and entertainment money.
This app is especially useful for couples and families because it works across several devices. You will need to manually enter transactions, but this increases awareness and control. Goodbudget is straightforward, practical, and great for individuals who wish to keep to a spending plan.
Best For: Envelope budgeting fans and couples
Pricing: Free plan available; $8/month for Plus
Explore: How to Budget on a Low Income
6. Monarch Money
Monarch Money has a user-friendly interface and powerful tools for managing household finances, including shared accounts, customizable goals, investment tracking, and dashboards. It’s ideal for couples or families who want to collaborate on financial goals in one place, with visual reports and automatic syncing to keep you organized and on track.
Best For: Couples, families, and goal-oriented users
Pricing: $14.99/month or $99/year
7. EveryDollar (Dave Ramsey)
EveryDollar was founded by personal finance guru Dave Ramsey and adheres to a zero-based budgeting concept. The free version allows you to set and manage your monthly budget manually, but the premium version connects to your bank accounts for automatic changes. It also has features for debt repayment and progress tracking. This tool is great for Ramsey’s baby steps followers who desire a straightforward but systematic approach to budgeting.
Best For: Fans of the 50/30/20 or zero-based approach
Pricing: Free basic; Premium is $17.99/month
How to Choose the Right Budgeting App
Here’s what to consider when choosing a budgeting app:
- Your Budgeting Style: Do you want full control (like YNAB) or automatic syncing (like Mint)?
- Your Budget Goals: Are you paying off debt, saving for a goal, or just trying to stop overspending?
- Ease of Use: Some apps are plug-and-play, while others require setup and manual entry.
- Platform Compatibility: Look for apps available on both iOS and Android, and those with desktop access if needed.
New to budgeting? Read: How to Budget in Your 20s
Final Thoughts
Budgeting in 2025 is no longer about pen and paper spreadsheets, but about smart, efficient, tech-driven tools that fit your lifestyle. Whether you want to follow the 50/30/20 rule, save for an emergency, or simply quit wondering where your money went, there is an app to help.
Try a few free trials, compare their features, and select the one that best fits your financial needs.
FAQs About Budgeting Apps in 2025
Which budgeting app is best for beginners?
Mint and PocketGuard are ideal for beginners because of their easy setup and automatic syncing.
What app helps me cancel subscriptions?
Rocket Money (formerly Truebill) specializes in identifying and helping you cancel unwanted subscriptions.
Do budgeting apps track cash expenses?
Yes, apps like YNAB and Goodbudget allow for manual entry to track cash purchases.
Can couples use budgeting apps together?
Yes! Monarch Money and Goodbudget are designed with shared accounts and family budgeting in mind.
