2019 is halfway over – how have you been doing this year when it comes to your money management goals? If your money management habits could use some help, don’t be discouraged! Consider these top money management apps to help you track your spending and analyze your habits.  Whether you earn a lot, or are just getting by – where your money goes is important and these apps will help you make better financial decisions.


Advertised as “your guide to financial wellness”, Acorns helps users invest their spare change, save for retirement, and grow their money management knowledge.  The app takes your virtual spare change out of your account and invests the difference. Acorns is an excellent way to start investing with little knowledge and effort.  You can use the app to round up your transactions and also set up recurring withdrawals from your account.

Acorns has 3 pricing structures that are explained here.


Have you ever wished that you had a personal finance assistant? You’ll probably want Albert.  Albert does the work for you by analyzing all of your financial accounts then building a unique plan just for you based on your income, spending habits, and financial goals.

Albert is free, with the option to pay a small premium for additional features such as access to human experts that will offer advice and help when it comes to goals like investing more and paying down debts.


Wally takes money management back to basics without all the bells and whistles other apps offer.  Simply put, Wally compares your income to your expenses, helps you understand where your money goes, and allows you to set and achieve financial goals.

Wally is extremely popular with millennials as it supports nearly all foreign currencies and allows users to save pictures of their receipts to track important items such as taxes and business expenses – no paper necessary.


Mint has been a popular budgeting website and app for quite some time.  Mint offers access to all your investment accounts and budgeting tools. This is a great option if you prefer a super detailed budget.  Users are able to create as many budget categories as they want, and can categorize transactions while on the go.

Mint also analyzes your spending and offers insight into your habits, letting you know how and where you could improve.

You Need A Budget (YNAB)

You Need A Budget prides themselves on being unlike any other budgeting app.  Their philosophy is built upon the phrase “every dollar has a job”, meaning it be for investment, expenses, or savings.  YNAB helps users pay off debts, stop living paycheck to paycheck, and even save money.

YNAB doesn’t let you create budgets based on money you don’t have, it forces you to live within your actual income.  The app will cost you $6.99/month, but claims users new budgeters save $600 by their second month and more than $6,000 their first year on average.


PocketGuard works using a simple 5 step approach

  1. See the big picture
  2. Be aware of your spending
  3. Know what’s safe to spend
  4. Put your budget on autopilot
  5. Discover simple ways to save

Once you sync up your accounts with the app, PocketGuard will track and analyze your spending.  Then, you can use the information to build a better budget. The app also picks up on recurring bills and looks for better deals.

Have you ever used an app to help meet your financial goals? Let us know your favorites!