Your financial decisions and activities – budgeting, spending, saving, investing, retirement planning – affect your financial health both now and in the future. While it used to be challenging, to say nothing of tedious, to keep track of all of your financial activities (think stacks of bills and receipts, plus a calculator), today's mobile apps make these chores easy and even fun. Here are six of today's best personal finance apps. You just lost your last excuse for not knowing exactly where your money goes.


Platform: iOS, Android

Cost: Free

BillGuard is a personal-finance security service to track spending and protect your credit cards from fraud and errors. You can quickly view balances and recurring charges across all your credit and debit cards. BillGuard creates an alert if a suspicious charge is posted to your account, allows you to report the charge and/or contact the merchant, and will help you get your money back from fraudulent, erroneous or unfair charges. Data-breach alerts let you know when a data breach has occurred at a place where you've shopped.


Platform: iOS, Android

Cost: Free

Check is an award-winning app that helps you track your bills, and monitor your bank accounts and credit cards. All your bills, due dates and other account details are displayed in one centralized place, and you get reminders when bills are due, and alerts when funds are low or credit limits are near. You can schedule bill payments and pay bills with a bank account or credit card. Check also lets you track your monthly spending to see where you might be able to save.

Level Money

Platform: iOS, Android

Cost: Free

A relative newcomer to the personal-finance app space, Level Money is an award-winning app that acts as a mobile money meter so you can track your daily cash flow. On the first day of each month, Level Money "fills up" with your estimated income (based on your spending history) and subtracts your recurring bills and a savings rate (such as 7%). Any remaining money is what you have to spend. The app breaks this down on a daily, weekly and monthly basis to help you stay on track. Personal Finance

Platform: iOS, Android

Cost: Free

The award-winning Mint Personal Finance app allows you to track, budget and manage your money in one place so you can see where you're spending and where you can save. You add bank, credit, loan and retirement accounts, and Mint automatically pulls in and categorizes all of your transactions (you can also enter cash transactions manually). Mint creates a starter budget based on your spending history, which you can add to and customize as you see fit. Bill reminders and alerts help ensure bills are paid on time.

Personal Capital

Platform: iOS, Android

Cost: Free

Another award-winning app, Personal Capital offers easy-to-understand charts and graphs of your income, spending and investment performance so you can easily monitor your finances. Track your investments by account, asset class or individual security; see how your portfolio compares to major indices; and find the exact percentage of each asset class that's in your portfolio. A 401(k) fee analyzer and mutual-fund fee calculator show if you're paying too much in fees. The Investment Checkup feature analyzes your portfolio and shows how much you stand to gain with a few changes.

Pocket Expense

Platform: iOS

Cost: Free

Pocket Expense helps you track and understand your personal finances. You can input and manage multiple accounts, and view daily, weekly, monthly, yearly or overall statistics, including each account's real-time balance. The budget-tracker feature supports multiple budgets, and shows your income and expenses in chart form. Set a spending limit and see how much money is left until your budget is gone. You can track bills, set alerts to remind you of which bills are almost due (or overdue), and pay bills in full or in part.

The Bottom Line

Personal-finance apps can make keeping track of spending, saving, investing and retirement planning easy, and perhaps most important, something you can do anywhere at any time. These apps provide up-to-the-minute details, helping you make better decisions and stay on top of your finances.

Related Articles
  1. Budgeting

    5 Best iPhone Personal Budgeting Apps for 2016

    Discover the top five most popular and useful apps for personal finance, money management and budgeting available for iPhone users in 2016.
  2. Budgeting

    Top 5 Budgeting Questions Answered

    Answering your questions on five of the most popular budgeting questions around.
  3. Credit & Loans

    What You Need To Know About EMV Credit Cards

    Finally, the U.S. is beginning to move to EMV credit cards. Here's how they'll keep us safer and what they won't fix.
  4. Options & Futures

    Top 5 Budgeting Questions Answered

    You don't need a degree to understand your money, begin saving and pay down debt.
  5. Credit & Loans

    Debit Card Fraud: Is Your Money At Risk?

    As criminals are becoming more savvy, your money is becoming more vulnerable.
  6. Personal Finance

    How To Avoid Becoming A Fraud Victim

    Be aware of your rights as a consumer, and know how scammers work so you can protect your money.
  7. Budgeting

    (Slideshow) 5 Not-So-Traditional Budgeting Tips

    You may not have heard of these easy, money-saving tips.
  8. Credit & Loans

    The Evolution Of Credit Card Security

    With the increase in credit and debit card fraud, these measures have been taken to ensure your financial security.
  9. Budgeting

    Budgeting Basics

    If you're looking for a way to better manage your money and improve your financial situation, then this tutorial is for you.
  10. Investing News

    Is It Time To Sell Technology Stocks? (LNKD, AAPL)

    Technology stocks have taken a drubbing in recent days. Is it time to sell them?
  1. What is the best app to track my residual income?

    The mobile marketplace is flooded with personal finance apps and tools for household management. Level Money and Personal ... Read Full Answer >>
  2. Is Apple Pay safe and free?

    Apple Pay is a mobile payment system created by Apple to reduce the number of times shoppers and buyers have to pay for goods ... Read Full Answer >>
  3. How does a bank determine what my discretionary income is when making a loan decision?

    Discretionary income is the money left over from your gross income each month after taking out taxes and paying for necessities. ... Read Full Answer >>
  4. What is the range of deductibles offered with various health insurance plans?

    A wide range of possible deductibles are available with health insurance plans, starting as low as a few hundred dollars ... Read Full Answer >>
  5. How do I know how much of my income should be discretionary?

    While there is no hard rule for how much of a person's income should be discretionary, Inc. magazine points out that it would ... Read Full Answer >>
  6. What proportion of my income should I put into my demand deposit account?

    Generally speaking, aim to keep between two months and six months worth of your fixed expenses in your demand deposit accounts. ... Read Full Answer >>
Trading Center