Managing your finances doesn’t have to be complicated. In 2025, there are dozens of budgeting apps that make tracking your income, expenses, savings goals, and bills easier than ever. Whether you want a free tool to monitor your spending or a premium app that links to all your accounts, we’ve got you covered.
In this guide, we’ll review the 10 best budgeting apps in the USA, including both free and paid options, based on features, ease of use, and user reviews.
🏆 1. YNAB (You Need A Budget)
- Best for: Serious budgeters who want full control
- Price: $14.99/month or $99/year (free trial available)
- Features:
- Zero-based budgeting
- Goal tracking & debt payoff tools
- Real-time sync across devices
- Pros: Helps you build habits, strong support community
- Cons: No free version
Why we love it: YNAB focuses on giving every dollar a job. It’s ideal if you’re trying to break the paycheck-to-paycheck cycle.
💸 2. Mint (by Intuit)
- Best for: Beginners looking for a free solution
- Price: Free (ads supported)
- Features:
- Tracks bank accounts, credit cards, and investments
- Custom alerts for overspending
- Bill tracking
- Pros: Completely free, easy to use
- Cons: Limited customization, ads can be annoying
Why we love it: Mint has been a trusted name in personal finance for over a decade, and it’s still one of the best free options available.
📊 3. Empower (formerly Personal Capital)
- Best for: Budgeting + investment tracking
- Price: Free (wealth management optional)
- Features:
- Net worth calculator
- Retirement planning tools
- Cash flow tracking
- Pros: Investment insights + budgeting in one
- Cons: Focused more on investments
Why we love it: If you’re serious about long-term financial growth, Empower gives you both a budgeting and wealth picture.
📱 4. Goodbudget
- Best for: Envelope-style budgeting fans
- Price: Free basic / $8 per month
- Features:
- Envelope budgeting method
- Manual input or bank sync
- Family sharing support
- Pros: Great for couples
- Cons: Lacks automatic syncing in free version
Why we love it: Brings the classic envelope method into the digital age, perfect for shared budgets.
💰 5. EveryDollar (by Ramsey Solutions)
- Best for: Dave Ramsey fans, zero-based budget
- Price: Free basic / $79.99 per year
- Features:
- Manual or automatic tracking
- Monthly planning
- Goal setting
- Pros: Encourages intentional spending
- Cons: Automation behind paywall
Why we love it: Simple and straightforward. Great if you’re following the Baby Steps method.
💼 6. PocketGuard
- Best for: Quick glance at how much you can spend
- Price: Free basic / $7.99 per month (Plus)
- Features:
- “In My Pocket” calculator
- Bill tracking & subscriptions
- Bank sync
- Pros: Focus on cash flow
- Cons: Lacks deeper planning tools
Why we love it: Perfect if you want to avoid overspending day-to-day.
👨👩👧 7. Honeydue (for Couples)
- Best for: Couples managing money together
- Price: Free
- Features:
- Joint budget tracking
- Bill reminders
- Shared notes & comments
- Pros: Communication-focused
- Cons: Only available on mobile
Why we love it: Designed for transparency in shared finances.
🧾 8. Zeta Money Manager
- Best for: Families & couples with shared accounts
- Price: Free
- Features:
- Joint accounts or separate views
- Smart categorization
- Financial planning tools
- Pros: Great for blended finances
- Cons: Newer platform, limited integrations
Why we love it: Tailored to modern family dynamics.
🛠️ 9. Spendee
- Best for: Visual budget tracking
- Price: Free basic / $2.99 per month
- Features:
- Colorful dashboards
- Expense categorization
- Multi-currency support
- Pros: Great design, easy for visual learners
- Cons: Some features behind paywall
Why we love it: Beautiful interface that makes budgeting less stressful.
🌍 10. Simplifi by Quicken
- Best for: Modern replacement for old-school Quicken
- Price: $3.99/month (billed annually)
- Features:
- Expense forecasting
- Spending watchlists
- Real-time updates
- Pros: Clean interface, predictive insights
- Cons: No free version
Why we love it: Combines old Quicken reliability with modern UX.
🧠 Conclusion: Which Budgeting App is Right for You?
- Want everything automated and beautiful? → Go for Simplifi or Spendee
- Want strict control & zero-based budgeting? → Try YNAB or EveryDollar
- Need a free starter tool? → Use Mint or Goodbudget
No matter your financial goals, these apps can help you spend smarter, save more, and feel confident about your money.