Adulting is more demanding now than ever before. The market abounds with choices, meaning we, the buyers, want to get everything.

Alas, your budget can’t look like a never-ending Pokémon allegory.

If you’re feeling overwhelmed by your ever-growing expenses and if you want to save more money for that memorable trip to Iceland, it’s time to install a budget tracker app.

Trust us; it will become your best friend in no time if you choose correctly.

Keep reading the article below as we analyse nine different budget trackers, starting from your needs.

1. Spendee: Best for Beginners

Spendee is an excellent choice if you want a budget tracker app with a clean interface. Basically, if you’re a beginner in the world of app-using-for-budget-making, Spendee will show you how easy it all is.

Just link your credit card and bank account to the app, and you’re good to go.

This budget tracker will monitor all your transactions so you can quickly spot and eliminate negative spending patterns.

Bonus: Spendee is free, but you can upgrade it to a more comprehensive paid plan.

2. Seedly: Best Minimalist Budget Tracker

Seedly is a thorough, well-researched blog, so if you trust this website, you’ll also trust their budget tracker. Which, by the way, is also free.

What makes this Seedly expense tracker stand out?

Firstly, you’ll appreciate the straightforward user interface that doesn’t clutter your screen with all sorts of graphs and pictures. Some apps do that to instil this “money-well-spent” feeling for their users.

But for some users, that cluttered interface is just tiring instead of informative.

Other notable features besides the seamless navigation include your ability to budget and monthly comparisons.

3. Pocket Expense: Best for Multiple Accounts

Pocket Expense is a budget tracker that addresses people who own several bank accounts. If that’s you, know that you can add all of them on this app without paying anything.

That means:

  • You don’t have to monitor any transactions manually
  • You have a complete picture of your finances

Other advantages include:

  • Payment date notifications
  • Password management
  • Monthly budget

On the downside, you’ll have to purchase the paid plan to get unlimited transactions.

4. Expensify: Best Corporate Budget Tracker

Expensify is a budget tracker app that works well for almost all businesses. If you own a company, know that your employees’ transactions will be monitored seamlessly with this app that lets them use the same e-mail domain.

Besides, nobody will complain about the navigation.

Expensify’s SmartScan features are on-the-spot, which saves a lot of time for your staff. People won’t have to fill in all the info by hand, so they’ll be eternally grateful to you.

5. Household Account Book: Most Fun and Cute Budget Tracker

Some people lack the motivation to continue using budget trackers because some apps feel sombre.

Household Account Book breaks this pattern.

The app addresses people for whom budgeting is a chore with its cute design. However, you can expect a run-of-the-mill budgeting tracker with no bells and whistles. Another downside is that your transactions are capped every month.

6. Monny: Best Motivation to Save

Monny comes with a unique selling proposition: it gamifies your budgeting experience so that you can save more money in the long run.

You’ll notice various prize incentives that keep you coming back to the app. In turn, you’ll make budgeting a habit, and you can finally increase your savings account.

If you want more than the standard in-app features, you can upgrade Monny to the paid version. However, most beginners get what they need from the free version.

7. Zenmoney: Best Smart Budget Tracker

Zenmoney is one of the smartest budget trackers you can download. That’s a significant advantage because it decreases the time you spend inputting different expenses.

Just imagine that Zenmoney can add a new transaction entry based on a text message you get.

There’s another way Zenmoney can help: it can see the future.

Alas, it’s nothing magical about it. The budget tracker looks at your expenses and analyses your patterns. That’s how it can tell you what you’re going to do next.

So, if the app tells you you’re going to ruin your budget next month, try to prove it wrong! Work to break your negative spending habits, and you’ll see your savings account increase.

8. Money Lover: Best Feature-Packed Budget Tracker

Money Lover sports numerous features that will keep you hooked and motivated to take more care of your budget. Besides, this functionality means the app is helpful for 99.999% of personalities and needs.

Apart from beginners – but we discuss that below.

Here’s what you can do with Money Lover:

  • Link multiple credit cards and accounts
  • Include crypto-currency
  • Use fingerprint recognition

If you want to keep better track of your transactions for more extended periods, upgrade this budget tracker to its premium version. This version allows you to export expenses in monthly Excel or PDF reports.

On the downside, Money Lover isn’t best if you have a visceral reaction to cluttered interfaces.

Not all the app is cluttered, just some categories. But for that reason, we don’t usually recommend Money Lover to complete beginners unless you have a secret passion for accounting.

That brings us to:

9. Toshl Finance: Best Feature-Packed Budget Tracker for Beginners

If you’re a beginner looking to try a budget tracker with all the bells and whistles, Toshl Finance has a somewhat better interface than Money Lover. Its main advantage is that it gives you one piece of information at a time instead of bombarding you with different things.

This streamlined design makes budgeting easier and keeps your motivation up.

Other advantages include your ability to link several bank accounts and credit cards. If you want unlimited access to those accounts, though, you’ll have to install the paid version.

In Conclusion

A reliable budget tracker will help you stay on top of your expenses and reach your financial goals effortlessly.

However, these apps speak to very different audiences. That’s why we discussed the nine apps above, starting from your needs.

Consider those needs and your personality before choosing a budget tracker.

And if you lose determination or find it challenging to keep up with the app, know that it’s not your problem; you simply need to choose another platform that works better for you.