Top 5 Free Personal Finance Apps (that Will Save You Money!)

We know you love things that simplify your life. Why not make remembering payment due dates and tracking your spending easier? While you’re Snapchatting like it’s your job, one of these apps could be saving you money. We’ve done the research and can confidently recommend the best mobile tools on the market—get those downloading thumbs ready.

Budgeting and Tracking

Credit Karma (Android + iOS)

You want need a good credit score, and the first step towards improving your credit is knowing where you stand. For all of your credit monitoring needs, we recommend Credit Karma. Features include free (legitimately free!) credit scores and reports, updated weekly. Credit Karma provides reports from both TransUnion and Equifax and assists with daily credit monitoring while showing you how to improve your credit health. Numbers don’t lie—40 million people and counting use Credit Karma to help them reach financial goals.

Level Money (Android + iOS)

When you know exactly how much disposable income you have, making decisions on how to prioritize “fun spending” is simpler than ever. Level Money allows users to track recurring expenses and uses a meter to show how much disposable income is left for that concert ticket or overpriced ice cream … With a super clean interface and accessibility, Level Money nails what financially-minded people want in a personal finance app.

Mint by intuit (Android + iOS)

Mint positions itself as the all-in-one app and delivers respectably on that position. Featuring budgeting, free credit score updates, money management advice, and investment tracking, there really isn’t much that Mint can’t do in terms of personal finance. It’s one of the best available in terms of providing a robust, all-in-one platform, but all the features may make this app too complex or overwhelming for budgeting beginners. We recommend Mint as an incredible tool for people with some budgeting experience.

PocketGuard (Android + iOS)

Now this is a beautifully designed personal finance app. We have to applaud the developers over at PocketGuard for creating a financial app so easy on the eyes with high levels of budgeting automation. The app will calculate your monthly expenses and income, and then calculate how much you have left to spend. The best part? PocketGuard provides clean visualizations for your budget and bills. You can quickly get a feel for where your money is going without pouring through spreadsheets.

Bonus Category! Money Transfers

Square Cash (Android + iOS)

Not to pick favorites, but … favorite alert! Square Cash (aka Cash) makes reimbursing people or splitting expenses so easy it’s incredible. There are a lot of quick pay apps out there, but none we’ve tried have been this fast. Money is transferred securely and instantly through a clean, simple-to-use interface. Square Cash allows you to send as little or as much as you need to, request payments, and includes something called a $Cashtag, which allows anyone to pay you directly, even if they don’t use the app. Square Cash is doing money transferring safely and securely, while making it happen in minutes. Love it.


If you like cool apps, you’ll love cool loans. At OppLoans, we provide underserved borrowers with safe loans that are actually affordable. Payments are fixed (the same amount will be due every month), rates are up to 125 percent cheaper than payday loans, and terms can be up to 36 months. You’ll receive the loan you need when you need it and won’t get stuck trying to meet complicated requirements or understand unclear terms. If you apply today, we can have your money in your account as soon as the next business day. Apps, loans … what more do you need to really get your personal finances in fighting shape? Nada.

Make sure to check out our app directory, where we have review apps that can help you save and earn money!

The information contained herein is provided for free and is to be used for educational and informational purposes only. We are not a credit repair organization as defined under federal or state law and we do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit. Articles provided in connection with this blog are general in nature, provided for informational purposes only and are not a substitute for individualized professional advice. We make no representation that we will improve or attempt to improve your credit record, history, or rating through the use of the resources provided through the OppLoans blog.