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10+ Best Finance Apps to Manage Bills and Debts in 2021

As per a report, around 63% of smartphone users have at least one finance app on their device.

Best Finance Apps

You have the money, you have a bucket list, but that is not the end of everything. You need the right money management skills, lest all that you have earned will leave your side in the blink of an eye.

You start spending more than you make and keep piling up on ugly debts. Therefore, you need to arm yourself with the right knowledge, or in this tech-savvy age, the right apps to be able to manage your finances with the utmost ease. 

Finance apps have been much in vogue these days, because well, you know, money matters. Mobile apps have transformed the banking and finance sector. Thus, managing our accounts, too, have become comfortable with these apps.

This article brings together a comprehensive list of the best free financial planning apps that stirred up the air, for all the right reasons, in 2021.

Top Finance Apps for Android and iOS in 2021

The following are the best personal finance apps for iPhone and Android that comes packed many features. Every app is reviewed by us in-depth and to make it clear to you, we have even mentioned the category for the same.

Let’s deep dive into the landscape of finance.

1. You Need A Budget (YNAB) - Best money management app

You Need A Budget helps you stay within the confines of your income and understands that everyone has a budget constraint. The best budget app does not advise you to think or plan for different ways to earn something extra. It instead helps you analyze your budget and plan practical ways to deal with your expenses and mitigate financial issues if they crop up. 

The app is a brilliant personal finance manager that helps you manage every penny. The app’s usefulness lies in the fact that it has helped its users clear off their debts with proper planning and account management.

Also, it has the option of taking up online classes that coach you on budgeting and planning expenditure. Therefore, if you do not have the skills to use the app or plan your budget with its help, reach out for live coaching.

Best Finance Apps

Notable features of the best budget app:

  • Connect all the accounts in one place;
  • Detailed, visual spending and trend reports;
  • Real-time access to all the budget data across multiple devices;
  • Match up imported transactions and more.

You can download this best money management app for Android and iOS

2. Wally - Best money-saving apps

More often than not, we indulge in buying splurge and then forget to record it. By the end of the month, when we have nothing substantial left, we are left wondering about where all the money went. Here comes the role of the to have Wally app in managing the expenses.

Wally is one of the best finance tracking apps and is the right platform if you loathe entering in your expenditure manually. The app shall do the job for you if you take pictures of the receipts. You, therefore, do not need to work your brain up thinking where you have spent your money. Keeping track of your expenses is pretty easy with this app, and it helps you keep your finances organized.

To make it easier for the users, the app also has a simple plan that can help individuals and families in three steps:

  • Understanding of the users' pre-crisis spending
  • Following a budget to increase savings during the crisis. For those that have lost income, what to do about creditors. 
  • Post-crisis recovery and returning to normalcy

Best Finance Apps

Notable features of this free finance app:

  • Finance insight charts for better understanding;
  • Helps in improving the net income over time;
  • Syncs all the accounts in one place;
  • Keeps track of foreign currency accounts and more.

You can download this best money saving apps for iOS

3. PocketGuard - Best expense tracker app

PocketGuard is an app that comes in quite handy for those who are newbies to investing. If you want to earn the ropes of investing or if the stock market piques your interest, you could keep a daily tab on the news about the investing market at PocketGuard. 

The app furnishes you with market information cut down to the minute and thus, keeps you updated and enlightened. What you do with all the information coming your way is your choice. You get to call the shots regarding investments.

Notable features of the best expense tracker app:

  • Commission-free investment;
  • Offers real-time market data;
  • Cutting-edge security measures to protect investor assets;
  • Collaboration with top banks and more.

You can download this best expense tracker app for Android and iOS

4. EveryDollar - Best spending tracker app

EveryDollar is probably one of the most interesting apps that have made their way into the list. It is a boon to humankind in the most real sense of the word. Once you’re connected to the best money management app, it automatically invests wisely in a low-cost ETF by taking into account your risk preference.

Once you have made a purchase with your card, and are connected to the app, it rounds up the expenditure and invests the difference in the ETF.

Notable features of the best personal finance app:

  • Automatically invest the spare change from everyday purchases;
  • Articles and videos from financial experts;
  • No low-balance or overdraft fees and free or fee-reimbursed ATMs nationwide;
  • 256-bit encryption, and more.

You can download this best spending tracker app for Android and iOS

5. Receipt Catcher Evo - Best spending tracker app

Receipt Catcher Evo is one of the best expense tracker apps for Android and iOS that help you track expenses and tax returns in a better way. It has turned out to be the best money management app for contract workers, smart business travelers, and permanent members of staff, who want to keep track of all their expenses without bothering about the paper receipts. With features like automatic tax calculation, real-time currency converter, and expense submission, this app ranks among the best finance apps that help you save money.

Notable features of Receipt Catcher Evo - Best Budget app: 

  • Multi-device Login
  • Automatic Tax Calculation
  • Real-time Currency Convertor
  • Personalize your expense submission
  • Automatic Receipt Scanner

You can download this best personal finance app for Android and iOS

6. Catch Benefits - Best spending tracker app

Need to get your spending on track but not sure where to start? Catch Benefits is among the best money management apps that offer personal benefits to the modern worker with integrated savings, investments, and insurance and also receive tailored plans based on your needs. It is one of the best budget apps that make the best recommendations in health insurance, tax withholding, retirement, and paid time off. 
 
Catch Benefits helps you with security, confidence, and gives you the freedom to take risks. It also offers full coverage with all new safety net, all in one place. 

Catch Benefits - Best Finance Apps

Notable features of the best personal finance apps:

  • Receive expert advice that helps you save more, lose less.
  • Custom plans tailored to your needs and requirements.
  • Get smart updates.
  • Coverage and policy tracking.
  • Helps you plan in advance for regular co-pays or unexpected medical costs.

You can download this best finance app for Android and iOS

7. Goodbudget - One of the good budgeting apps

If you are up for investing your hard-earned money to make some assets, then the Goodbudget app is best for you. With this app, the user gets customized advice tailored specifically to the set goals.

Apart from the investment advice, the app works similarly to other financial management apps and tracks all the financial details. The app offers unlimited withdrawals too, with no fees and no minimum balance.

Notable features of this good budgeting apps:

  • Free online money tools
  • Insight-driven advisory
  • Personalized portfolio management
  • Fiduciary advice with transparency and more.

You can download this best finance app for Android and iOS

8. Honeydue - Best Couple Budget App

Honeydue is a popular digital budget platform for couples, and now we have its app. The app is ideal for tracking bills and other documents between couples and managed finances. Integrate the app with your banking system and get multiple benefits

Notable features of this app:

  • Integrate with banks
  • Easy bookkeeping
  • Allows to share bills and other documents
  • Helps in managing finances

You can download this best finance app for Android and iOS

9. PocketGuard - Top personal finance apps

Tracking bills and making payments is something every other finance app can pull off, but do they reward the user for completing the tasks? We guess not. PocketGuard is one such app that offers rewards on credit card payments.

The user can even tell the app about the rewards he wishes to grab, and then the app comes up with the cards that match the reward requirements. Even for shopping at the nearby stores, PocketGuard can well suggest the cards along with an up to date list of the active bonus categories. 

Notable features of this top personal finance apps:

  • Tracks spending of all the accounts;
  • Bank-level security;
  • Compares the spending to over 100 reward-earning cards
  • Recommends cards depending upon the spending habits and more.

You can download this best finance app for Android and iOS

10. Mvelopes - Best Budget App

If you have multiple accounts and find it tough to hold all your transactions together, it’s time to opt for the Mvelopes. Mvelopes brings all the bills and financial activities into a single platform. The user only needs to feed all the bills into the app, and the app automatically tracks the due date of all the payments.

For more ease, the user can even schedule payments. The app has over 11k billers that include both larger banks and smaller utility companies.

Notable features of this best finance budget app:

  • Track bills, monthly expenses, money & debt;
  • Bill pay alerts and bill reminders;
  • Bill calendar & payment calendar view;
  • 256-bit AES encryption, and more.

You can download this best finance app for Android and iOS

11. Goodbudget - Best Overall Budget Planner

Goodbudget is one of the apps that help you save money and offers the best financial management and every financial assistance. Due to its features and functionalities, we consider it as the friendliest and easiest apps to manage finances.

You can connect all your bank accounts and cards, and keep your bills in one place. Goodbudget sends you reminders regarding your due dates for paying bills, while also allowing you to create and follow a budget. 

Notable features of this top personal finance app:

  • Track bills right alongside the account balances;
  • Create a budget for the user;
  • Push notifications for the payment reminders;
  • Sync the bank accounts, credit cards, budgeting, and more.

You can download this best finance app for Android and iOS

12. Venmo - Best Cost-Splitting App

Bill splitting is something that every one of us needs to do, and it can sometimes leave you just clueless. Due to the same reason, Venmo is quite popular with millennials. It quickly calculates all the spending and shares the due amount with everyone who is in the group.

The interface of the app is similar to that of Paypal but is different from it in many ways. One such USP of this app is its ability to share and like payments through the social feeds. The transaction limit of Venmo is set at $299.99.

Notable features of this best personal finance app:

  • Tracking and sharing on all the expenditures;
  • Easy money transfer;
  • Split the spending the share with friends;
  • Encrypts all the transactions and more.

You can download this best finance app for Android and iOS

Final Thoughts

These are the best financial management apps that must find a place on your smartphone. These apps that help you save money, made it so easy for us to become smart about our money that you no longer have to worry about entering your expenditure manually, or calculate your debts and then wonder at the end of the day how all your earnings disappeared into thin air.

Get your hands on these top finance apps of the year and make smart moves while handling the finances. We hope this article has helped you find what you were looking for. If you are an app owner and want to get your app reviewed, get in touch with MobileAppDaily.

Pallavi
Written By
Pallavi

She is an avid writer of technology and trending mobile apps. When she is not busy updating you about the tech world, she spends time reading books and playing guitar.

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