Top 11 Budgeting Apps To Manage Your Finances In 2024

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The digital landscape of 2024 offers an array of budgeting apps, each providing unique solutions to manage finances efficiently. These apps have evolved beyond expense tracking, offering features catering to different financial needs and lifestyles.

In 2024, as we navigate the multitude of budgeting apps available, it's important to consider their features and costs and the security of our financial data while using them. In this context, using a Virtual Private Network becomes increasingly relevant.

A VPN, such as ExpressVPN, can provide an additional layer of security, especially when accessing these financial tools over public or unsecured Wi-Fi networks. It encrypts your internet connection, ensuring your sensitive financial data is protected from cyber threats.

This added security measure is crucial, as budgeting apps often require access to sensitive financial information such as bank accounts and transaction histories. Let's now explore each of the top 11 budgeting apps, considering the importance of security in our financial digital footprint.

Detailed budgeting app overviews:

Budgeting Apps to Manage Your Finances

YNAB (You Need A Budget): YNAB, standing for 'You Need A Budget,' operates on a zero-based budgeting principle. The app's philosophy encourages users to assign every dollar to specific categories, ensuring proactive and intentional financial planning.

YNAB is not just an app but an educational tool, providing users with numerous resources to understand and implement budgeting effectively. It's compatible with various mobile and desktop platforms and offers a robust system for tracking expenses and planning ahead.

Priced at $14.99 per month or $99 per year, YNAB is highly rated on app stores for its user-friendly interface and comprehensive budgeting approach.

Goodbudget: Goodbudget takes the traditional envelope budgeting system and modernizes it for the digital age. Users manually allocate their monthly income into different envelopes for specific spending categories. 

This method works well for those who prefer a more tangible approach to budgeting. The app does not require linking to bank accounts, making it a good choice for those cautious about sharing financial data.

Goodbudget offers a free version with limited features and a paid version, Goodbudget Plus, for more extensive functionality.

EveryDollar: Created by personal finance expert Dave Ramsey, EveryDollar is a simple, user-friendly app based on zero-based budgeting. In the premium version, the app allows users to manually enter their transactions or opt for automatic syncing with bank accounts.


It helps in categorizing spending and setting up bill payment reminders. The basic version is free, while the premium version offers more advanced features, including custom reports and budgeting tools, for a fee.

Empower Personal Wealth: This app is an all-in-one tool for managing personal wealth and day-to-day spending. Formerly known as Personal Capital, Empower Personal Wealth allows users to track investments, calculate net worth, and get a comprehensive overview of their financial status.

It's particularly beneficial for those with diversified portfolios who want to monitor their financial health. This app stands out for its investment tracking capabilities alongside regular budgeting features.

PocketGuard: PocketGuard simplifies budget management by automating most of the process. It is designed for users who prefer a hands-off approach to budgeting. 

The app connects to your bank accounts and categorizes your spending, showing how much you have available after setting aside money for bills and savings goals. PocketGuard Plus, the paid version, offers additional features for users looking for more comprehensive financial planning tools.

Honeydue: Designed specifically for couples, Honeydue allows partners to manage their finances together. It provides a platform for shared budgeting, expense tracking, and bill reminders.


Users can choose how much financial information they share, making it a flexible tool for managing joint finances. It's a great way to foster transparency and collaboration in financial planning for couples.

Personal Capital: Personal Capital is a robust app for tracking investments alongside everyday spending. It provides tools for monitoring your net worth, retirement planning, and investment management, making it a solid choice for individuals with a diverse portfolio. The app's strength lies in giving users a holistic view of their financial health.

Mint: Mint is a popular budgeting app known for its comprehensive features and user-friendly interface. It automatically categorizes transactions from linked credit and debit cards, providing a real-time view of users' spending habits.

One of Mint's standout features is its ability to set and track financial goals, whether saving for a vacation, paying off debt, or managing investments.

Additionally, the app offers personalized tips for reducing fees and saving money. Mint is free to use, which appeals to those looking for a robust budgeting tool without additional costs.

Quicken: Quicken is one of the oldest and most comprehensive financial management tools available. It extends beyond simple budgeting to include features for tracking investments, retirement planning, and property management.

Quicken's desktop software offers detailed financial tracking and planning, and its mobile app allows users to keep track of their finances on the go.

While Quicken requires a subscription, its in-depth analysis and broad range of features make it a good choice for users who want a thorough approach to financial management.

Acorns: Acorns is unique among budgeting apps as it combines the concepts of micro-savings and investing. The app rounds up purchases to the nearest dollar and invests the difference in a diversified portfolio.


Acorns is ideal for users who want to start investing with small amounts of money. It also offers educational content to help users understand investing basics.

While the app is not free, its ease of use and innovative approach to savings and investing make it a popular choice, especially for young adults and those new to investing.

Tiller Money: Tiller Money stands out for its customization capabilities. It automatically updates Google Sheets or Microsoft Excel with daily financial transactions from various accounts. This feature allows users to create personalized spreadsheets for budgeting and tracking finances.

Tiller Money caters to users who are comfortable with spreadsheets and prefer a more hands-on, customizable approach to budgeting. It offers a subscription-based service, but its level of customization and control makes it appealing to users who want to tailor their budgeting experience.

Privacy and security considerations when using budgeting apps

In 2024, with the increasing reliance on digital financial tools, privacy and security are paramount when choosing and using budgeting apps. Here are key considerations to keep in mind:

Data encryption and security protocols: Ensure that your budgeting app uses robust encryption methods to protect your data. Look for apps that employ bank-level or military-grade encryption and secure sockets layer (SSL) to safeguard your financial information during transmission and storage.

Secure website

Additionally, check if the app follows industry-standard security protocols and complies with regulations like GDPR or CCPA.

Data sharing policies: Carefully read the app's privacy policy to understand how your data is used and whether it is shared with third parties. Be wary of apps that sell user data to advertisers or other third parties. Choose transparent apps about their data usage policies and offer options to opt out of data sharing.

Two-Factor Authentication (2FA): Opt for budgeting apps with two-factor authentication. This adds an extra layer of security beyond just a password, typically requiring a code sent to your phone or email or a fingerprint or facial recognition if using a mobile device.

This feature is crucial in protecting your account from unauthorized access.

Regular software updates: Regular updates are essential for any financial app, often including security patches and enhancements. Ensure that you are using the latest version of the app and that the developer releases updates regularly to address any vulnerabilities.

Permissions and access: Be mindful of the permissions the app requests on your device. Only grant permissions that are necessary for the app's functionality. If an app asks for excessive permissions that don't seem relevant to budgeting, it could be a red flag.

Review and monitor: Regularly review your financial transactions and monitor your accounts for unusual activity. Prompt detection of irregularities can prevent potential financial losses.

Secure login practices: Use strong, unique passwords for your budgeting apps and change them regularly. Avoid using the same password across multiple sites or apps.

Avoid storing passwords in your browser

Understanding the risks of linking bank accounts: Many budgeting apps require linking your bank accounts for real-time tracking. Understand the risks involved and research how the app stores and accesses this information.

Some apps use tokenization to access account information without storing your login credentials.

Check for independent audits and certifications: Look for apps that undergo independent security audits and have certifications from reputable cybersecurity organizations. This indicates that the app maintains high standards of data security and privacy.

Plan for device loss or theft: If your device with access to your budgeting app is lost or stolen, ensure you can remotely wipe sensitive data or log out of the app from another device.

By keeping these privacy and security considerations in mind, you can make more informed choices about which budgeting apps to use and how to use them safely, ensuring your financial data remains secure.


 In 2024, these top budgeting apps offer varied features to address the diverse financial needs of individuals. Each app provides unique tools to help users manage their finances more effectively, from envelope budgeting to comprehensive wealth management.

Whether you're a couple looking to align your financial goals, an individual seeking a detailed analysis of your spending, or someone needing a comprehensive view of your investments, there's an app tailored to your financial management needs.

About the author 

Peter Keszegh

Most people write this part in the third person but I won't. You're at the right place if you want to start or grow your online business. When I'm not busy scaling up my own or other people' businesses, you'll find me trying out new things and discovering new places. Connect with me on Facebook, just let me know how I can help.

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