Top iOS Apps for Personal Finance

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Best iPhone Apps for Managing Your Budget

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Whether you're just managing your general personal finances, trying to budget and save up for a vacation or expensive item, or trying to balance your small business's cash flow, there are a number of apps available for iPhone and iOS devices that can help you keep your money in check.

The following apps are specifically designed for budgeting, though, which can go a long way in helping manage your personal or small business finances, and each app listed here offers users the easy-to-use functionality of the app's many budgetary features.

The top three apps currently available on the iTunes store for budgeting personal finances are Mint, Goodbudget, and Best Budget. Read on to learn more specifics about each of these great apps so you can pick the one that's best for your personal needs. 

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Mint

The Mint app for iPhone, iPad and Android devices offers tips to help you budget your expenses and reduce the amount of money you spend. Mint uses the same security as banks, too, and sends you alerts if there are any unusual charges to your account so you can better stay on top of your day-to-day cash flow.

Mint also allows you to view your credit score, so you can balance your budget and personal finances at the same time, but perhaps the best parts of the Mint app are that there's an online component to view your portfolio from your desktop computer and a bill pay component that helps you not only budget your expenses but pay your bills all in one place.

With tons of other features geared toward personal finance, The Mint App may be your best bet for a one-stop app for all your budgeting and financial tracking needs—plus it's absolutely free to use the standard version, which has all the features you'd need for tracking your personal finances.

Download from iTunes app store: The Mint App

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Goodbudget for iPhone

This app, once known as EEBA, works with an online budgeting app and operates using the principle of envelope budgeting where income is distributed to spending categories each month and paired with a plan for savings.

To save time, Goodbudget supports recurring transactions. While you can add expenses on your iPhone, Android, or via the web app and they will all sync (so you can share the budget with your spouse or other people), you can't set up automatic transaction downloads from banks. Anticipated expenses that don't happen monthly are designated to annual envelopes (even if you don't pay the expense annually) so you can stow away enough cash each month to cover the bill when it's due.

The free version is ad-free and includes 10 budget category envelopes and 10 annual envelopes, and one account and two devices can be synced. Try the free version, then subscribe if you like it to get unlimited regular and annual envelopes, the ability to track multiple bank accounts, sync five devices, save five years of financial history, and have priority support (although we doubt you'll need it).

Download from iTunes app store: Goodbudget App

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Best Budget

This budgeting app for iPhone and iPad has a colorful yet clean interface and has reminders to help you manage your daily, weekly, monthly, and yearly spending.

In this app, if you overspent in one category this month and have unspent funds in another budget category, you can transfer the excess amount in one category to the category where you overspent, which sometimes makes sense to do, depending on your budgeting philosophy. Still, another great feature is that unspent amounts can be set to automatically rollover into the next month, so you could also just not spend in that category the following month to balance your budget.

For security, you can use iCloud Backup and Restore with Best Budget and the app can be passcode protected; budgets can be exported HTML, CSV, or PDF for sharing or for spreadsheet analysis; and there's a free version to try before you buy!

Download from iTunes app store: Best Budget Free or Best Budget