The Best Finance Apps of 2022

Written by: BestApp.com App Testing Team - Updated: Mar 25, 2022

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If you’re looking for an app to help you manage your finances, we recommend Mint for its powerful features that make it easy to create and stick to a budget, track expenses, pay off debts, and more. But if Mint doesn’t work for you, we found nine other great apps for you to check out. Here are the 10 best finance apps available on iOS and Android.

Top 10 Finance Apps to Try

How We Chose the Best Finance Apps

To choose the 10 best finance apps, we looked for apps that offer the features users need to view, monitor, and manage their financial health and activity. The best finance apps offer expense tracking, credit monitoring, spare change roundups, and cryptocurrency support.

Choose the finance app that’s right for you

Most of the apps on our list offer a free trial or free version for users to get started with. Apps like Mint and You Need A Budget are great for users who need help tracking their expenses and sticking to a budget, while apps like PocketGuard are great for tracking and managing bills and subscriptions. We recommend checking out several apps to find the one that works best for you.

Most of the finance apps on our list give users the option to link their bank accounts, credit cards, and even cryptocurrency wallets to track their balances and transactions. We recommend taking advantage of this feature to make it easier to track your spending and stick to your budget.

Our Finance App Reviews

Mint — Top Pick

Mint App feature

Download: Android | iOS

Mint is an all-in-one financial management app that helps users do everything from planning a budget and tracking expenses to paying bills and monitoring credit. Users can link their credit cards and financial accounts to track their balances and debts and even keep tabs on subscriptions in one place. Unlike other apps on our list, TurboTax users can use Mint to track their tax refund (both services are owned by Intuit). You can create and track custom financial goals, view a breakdown of your credit score, find money-saving offers, and use BillShark to negotiate lower monthly bills.

Notable features:

  • Free version available
  • In-app purchases: $0.99 per item
  • Support available: Email, Help Center/FAQs
Mint Pros & Cons
What we like What we don’t like
Budget planning Doesn’t round up spare change after purchases
Credit monitoring  
Personalized financial insights  

Credit Karma — Best Free Finance App

Credit Karma App feature

Download: Android | iOS

Credit Karma is a completely free finance app that offers a wide range of useful perks and features you won’t find on other apps on our list. This includes the unique Instant Karma feature, which gives users a chance to win instant cash reimbursement for debit card purchases. Unlike similar apps, you can use Credit Karma to apply for credit cards and personal loans as well as find car insurance discounts and home loan offers. Users can sign up for data breach monitoring to protect themselves against identity theft, and the financial relief roadmap can help users in need of financial assistance find programs and resources.

Notable features:

  • Free version available
  • Subscription plans: None
  • Support available: Email, Help Center
Credit Karma Pros & Cons
What we like What we don’t like
Credit monitoring No expense tracking
Instant Karma for cash reimbursement Lacks budget planning features
Apply for loans and credit cards in-app  

Personal Capital — Best for Retirement

Personal Capital App feature

Download: Android | iOS

Personal Capital is the only app on our list designed specifically to help users plan and track their retirement savings. You can use the app to monitor and track your investments, net worth, and financial accounts. The app analyzes your portfolio to project whether or not you will be able to reach your retirement goals with your current investments. In addition to your investment accounts, you can also use the app to track your debt, personal banking accounts, and more. The interactive cash flow tool lets you see your total income and total expenses across all your accounts, and the Investment Checkup tool makes it easy to analyze how well your investments are performing.

Notable features:

  • Free version available
  • Subscription plans: None
  • Support available: Email, Help Center, FAQs, Ticket
Personal Capital Pros & Cons
What we like What we don’t like
Retirement planning and forecasting No credit monitoring
Cash flow tracking No budget planning features
Investment tracking  

You Need A Budget — Best for Budgeting

You Need A Budget App feature

Download: Android | iOS

You Need A Budget (YNAB) is one of the most popular and reputable budget planning apps available on iOS and Android. With YNAB, users can set and track financial goals, assign the money they earn to specific categories, import transactions from their financial accounts, and track expenses in real-time. The app includes a unique loan calculator tool to help you calculate interest on loans and pay off your debts. You can gain insights into your finances via the app’s spending and net worth reports, and you can link your bank accounts to view all your finances in one place.

Notable features:

  • Free trial available
  • Subscription plans: $14.99/month
  • Support available: Email, Help Center
You Need A Budget Pros & Cons
What we like What we don’t like
Advanced budget planning features No free plan
Built-in loan calculator  
Real-time expense tracking  

Acorns — Best for Investing

Acorns App feature

Download: Android | iOS

Acorns is a unique finance app that helps users build up their savings by investing their spare change. The app’s unique Round-Ups feature invests your spare change every time you make a purchase, and you can earn bonus investments when you shop at over 12,000 brands using the app or browser extension. Acorns can also help you set up a retirement account, and Acorns Early lets you set up an investment account for your kids. By creating an Acorns checking account, you can invest with real-time Round-Ups, automatically invest a portion of every paycheck with Smart Deposit, and get paid up to two days early with direct deposit.

Notable features:

  • Free version not available
  • Subscription plans: Personal: $3/month; Family: $5/month
  • Support available: Email, Help Center
Acorns Pros & Cons
What we like What we don’t like
Rounds up spare change for investing No free plan
Bonus investments and rewards No budget planning features
Retirement planning  

PocketGuard — Best for Managing Subscriptions

PocketGuard App feature

Download: Android | iOS

PocketGuard is a comprehensive finance app that offers budget planning, bill organizing, and subscription management. This app lets you link your accounts to track your spending, view all your balances in one place, and create a monthly budget. They crunch the numbers to show how much spendable money you have after setting aside enough for bills, goals, and necessities. It is easy to learn more about your habits with customized spending reports and insights. One of the app’s most unique features is the ability to view and manage all your subscriptions in one place. When you want to cancel a subscription, you can do so through PocketGuard without visiting a separate website. You can also view all your upcoming bills, and PocketGuard will notify you when you may be able to save on specific monthly bills.

Notable features:

  • Free version available
  • Subscription plans: PocketGuard Plus: $4.99/month
  • Support available: Email, Help Center/FAQs
PocketGuard Pros & Cons
What we like What we don’t like
Subscription management No cryptocurrency support
Budget planning No credit scores
Bill organizing  

Mobills — Best for Managing Credit Cards

Mobills App feature

Download: Android | iOS

Mobills is a budget planner and bill organizer that allows you to create a monthly budget, track your spending, and set financial goals. You start by defining financial goals (e.g., getting out of debt, saving for retirement), and the app will help you create a budget that reflects your goals. You can view graphs and reports to gain financial insights and learn more about your spending habits. Mobills stands out from other finance apps thanks to its credit card management features, which allow users to track their credit card balances and credit limits, as well as get bill payment reminders.

Notable features:

  • Free version available
  • Subscription plans: Pro: $49.99/year
  • Support available: Email, Help Center, Ticket
Mobills Pros & Cons
What we like What we don’t like
Credit card management No cryptocurrency support
Expense tracking No spare change roundups
Budget planning  

Spendee — Best for Shared Finances

Spendee App feature

Download: Android | iOS

Spendee is a budget planner and money tracker that makes it easy for users to track their spending habits and maintain a responsible budget. You can connect your bank accounts to view all your finances in one place, and unlike other apps, Spendee also lets you link your cryptocurrency wallets. Charts and reports let you learn more about your spending habits, and personal insights help you learn how to spend your money more responsibly. Spendee also stands out thanks to its features that help users manage shared financial accounts, making it a great option for couples.

Notable features:

  • Free version available
  • Subscription plans: Premium: $2.99/month; Plus: $1.99/month
  • Support available: Email, Help Center
Spendee Pros & Cons
What we like What we don’t like
Manage shared finances Lacks credit monitoring features
Link cryptocurrency wallets  
Expense tracking  

EveryDollar — Best for Connecting with Experts

EveryDollar App feature

Download: Android | iOS

EveryDollar is a feature-rich budget planning app with all the tools users need to take complete control of their finances. You can build a budget that suits your needs, track your spending, create custom spending categories, set up savings funds, and more. Unlike any other app on our list, EveryDollar also helps users find and connect with local finance professionals to help manage finances, apply for loans, and more. You can set up bill payment reminders and add receipts, and with a Premium subscription you can access additional features like bank account syncing, priority support, personalized financial reports, and automatic balance updates.

Notable features:

  • Free version available
  • Subscription plans: Premium: 3 Months: $59.99; 6 Months: $99.99; 12 Months: $129.99
  • Support available: Email, Help Center, Ticket
EveryDollar Pros & Cons
What we like What we don’t like
Budget planning Bank account syncing requires Premium
Connect with local finance professionals No credit monitoring features
Expense tracking  

Goodbudget — Best for Tracking Debt Progress

Goodbudget App feature

Download: Android | iOS

Goodbudget is a personal finance app that helps users create budgets, track their spending, analyze their financial health, and keep track of their debt progress. Users can create envelopes for different categories, including groceries, gas, dining out, and more. You can view your spending habits through detailed charts and graphs, and unlike other finance apps, you can easily share your budgets with your spouse, family members, or friends. Goodbudget also stands out thanks to its debt tracking features, which make it easy to view your balances, track your payments, and forecast when your debt will be paid off.

Notable features:

  • Free version available
  • Subscription plans: Plus: $8/month
  • Support available: Email, Phone, Help Center, Forum
Goodbudget Pros & Cons
What we like What we don’t like
Debt tracking Lacks cryptocurrency support
Share budgets with other users  
Budget planning  

Finance Apps: Features Summary Table

Finance Apps Comparison Table
App Subscription Fees or In-App Purchases Features
Mint — Top Pick $0.99 per item X Spare Change Roundup
Expense Tracking
Credit Monitoring
Cryptocurrency
Credit Karma — Best Free Finance App None X Spare Change Roundup
X Expense Tracking
Credit Monitoring
X Cryptocurrency
Personal Capital — Best for Retirement None X Spare Change Roundup
Expense Tracking
X Credit Monitoring
Cryptocurrency
You Need A Budget — Best for Budgeting $14.99/month X Spare Change Roundup
Expense Tracking
Credit Monitoring
X Cryptocurrency
Acorns — Best for Investing Personal: $3/month
Family: $5/month
Spare Change Roundup
X Expense Tracking
X Credit Monitoring
X Cryptocurrency
PocketGuard — Best for Managing Subscriptions PocketGuard Plus: $4.99/month X Spare Change Roundup
Expense Tracking
Credit Monitoring
X Cryptocurrency
Mobills — Best for Managing Credit Cards Pro: $49.99/year X Spare Change Roundup
Expense Tracking
Credit Monitoring
X Cryptocurrency
Spendee — Best for Shared Finances Premium: $2.99/month
Plus: $1.99/month
X Spare Change Roundup
Expense Tracking
X Credit Monitoring
Cryptocurrency
EveryDollar — Best for Connecting with Experts Premium: 3 Months: $59.99
6 Months: $99.99
12 Months: $129.99
X Spare Change Roundup
Expense Tracking
X Credit Monitoring
X Cryptocurrency
Goodbudget — Best for Tracking Debt Progress Plus: $8/month X Spare Change Roundup
Expense Tracking
Credit Monitoring
X Cryptocurrency