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

Written by
Alex Huntsberger
Alex Huntsberger is a personal finance writer who covered online lending, credit scores, and employment for OppU. His work has been cited by, Business Insider, and The Motley Fool.
Read time: 3 min
Updated on July 31, 2023
woman with blond hair looking at the top 5 free personal finance apps on her phone
Appy Birthday!

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.

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