Top iPhone Apps for Personal Finance

1
Best iPhone Apps for Managing Your Budget

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I've taken a look at many iPhone apps for keeping a personal budget and chose the best for this list. These apps had to be strictly for budgeting, and not general personal finance apps.

The best iOS budgeting apps are:

  • Mint
  • Goodbudget
  • Best Budget

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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.

It uses the same security as banks, and sends you alerts if there are any unusual charges to your account. Mint allows you to view your credit score, so you can balance your budget and personal finances at the same time.

Perhaps the best part of the Mint app is that there's an online component to view from your computer, and a bill pay component that helps you budget and pay your bills in one place.

Download from iTunes app store: 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, along with a plan for savings.

To save time, Good budget supports recurring transactions. While you can add expenses on your iPhone, Android or via 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, 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 I doubt you'll need it).

Download from iTunes app store: Good budget 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 spending. Say 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. Sometimes it makes sense to do that, depending on what your budgeting philosophy is. Some prefer to catch up with overspending the following month by not spending in the category that's in the red. Another great feature is that unspent amounts can be set to automatically rollover into the next month.

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. There's a free version to try before you buy.

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