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When it comes to finding best budget app, I know it is an overwhelming task
I don’t blame you if you think it as a daunting task
For myself, I had to install and try different apps
Till I finally found the best budget app that suits my needs
There are few affiliate links, if you click a link and make a purchase, I may receive a commission at no extra cost to you

Below I will summarize my findings
I will keep it biased as what I like may be different that yours
All apps are available on iPhone and Android so let me start with
EveryDollar
EveryDollar is created by the financial guru Dave Ramsey, writer of Total Money Makeover
It is one of the best budget app where it is available on both Android and iPhone IOS
You can use it for free or paid using the plus feature billed yearly at $129
Plus feature covers the ability to get you connected to your bank account to collect your income easily
Also it connects to your credit cards to keep track of your spending
With Plus you get premium support for any help
The app is easy to use, it is classified into Planned and Spent tabs
While the Remaining tab is the difference between both planned and spent

The app covers all the expenses categorized in an easy way as shown below
Starting with giving, savings, housing, transportation, food, personal, lifestyle, health, insurance, health and debt






What I did not like about EveryDollar app is that
It is not that convenient to copy any number easily between planned and spent
For example, you know that you donate every month let’s say $400 to a charity
So when you add it under giving in Planned tab
You have to go and add it under Spent too with the same amount
It could have been easier when you add any amount to get a popup asking you if you expect the same amount under spent tab with Yes and No
Or they can have a feature to hold your finger on any income/expense amount in case of cell phone and you get an option to clone it to spent if spent amount is zero
Goodbudget
Goodbudget is available on both Android and iPhone iOS system
It is based on the cash envelope system for those of you who don’t know this system
It is using envelopes to pay cash for most of the expenses you have control on like grocery, gas and dinning out
After I downloaded the app on my iPhone, I could not sign up
I realized that you cannot sign up from your phone where sign up process is only available from their website


Anyway I completed the sign up process and selected the free plan as shown below

There are 2 plans available, free and plus plan which costs $7/month – paying $84 if you pay monthly or $60/year – paying $5 per month if you pay one time for full year
The plus plan gives you unlimited envelopes compared to the free plan which has 10 regular envelopes and up to 2 devices to synchronize your data
In my personal opinion I don’t see any benefits in upgrading to plus
You can import your bank transactions by using CSV file which is available through most of the bank online accounts
Mint
Mint is available only in US and Canada
The first time I opened the Mint app I found it is built by Intuit
Which I use for the last 8 years to file my annual household taxes
Mint app won’t work unless you connect your bank account
I felt comfortable doing that because when I file my taxes I connect the CRA – Canada Revenue Agency account to allow Intuit Turbo Tax to collect my tax information
I believe this is one of the best budget app as it does so many things automatically for you


If you have a Turbo Tax account you can use it to log on without signing up
Mint will connect automatically to your bank account to extract all spending
It detects what each expense falls under and display a report like the July spending one
If you click on the July budget you will get a report similar to the one above on the right hand side labelled Budgets
Spending Tracker
Unfortunately the spending tracker name is ambiguous
There are so many apps with similar name like that so look for by company MH Riley Ltd and the below icon

Anyway this app is very simple, it doesn’t ask you to login
Very cheap just pay $3.99 one time fee
I would say if you plan to use this app then backup and restore is very important
Why? remember I told you earlier this app doesn’t require any login which means it stores all data on your phone
This means if you get any phone upgrade and you app crashes
You will lose all of your data so if you plan to use it, pay $3.99 to upgrade


When you create a transaction whatever expense or income, you can select its category
You cannot select repeating on the free version without upgrading
Also when you select category, it will show the list of categories for either Expense like the one below or Income which has different categories


Budget and Expense Tracker
This app also has an ambiguous name so look for developed by Bookipi
It is just an indicator that you are downloading right app, just look for the icon below to download

It is easy to start with creating an account specially you can integrate with your Google account by using Log in with Google


After you log on, the app is very easy to use
Just click on the plus sign the one in the red square
You will get the add expense transaction page as shown below on the right hand side


If you switch the expense to income, you will be able to add income
Again if you click on the white circle which has multiple circle you will be able to see all the list of expenses or incomes according to which type you were in


YNAB – You Need A Budget
The app is called YNAB which stands for the acronym You Need A Budget
Once you open the app, you will see a list of all items on your budget
I did not add them as YNAB added them by default with the flexibility to add/remove as you wish
Just click on the Accounts icon and you will be able to link to your bank account or work completely manually


As shown below you have the option to use the linked where it is similar to Mint
Also you can link your bank account or use the unlinked to add all transactions whatever incomes and expenses manually


Screenshot below to the left indicates that you used the unlinked account
Adding a transaction takes place from the middle icon on the bottom labelled Transaction
If you switch the minus sign you will switch to transaction of type income
Also you can flag the transaction – giving it a unique color in other words


Finally which best budget app to use
In my humble opinion, you have to install all of the above budget apps
Try all of them quickly for yourself
Check to see which one catches your attention and easy to use for your family budget
Also if you would like to use a paper or digital budget sheet and to learn more about budgeting
Then I recommend to check how to bugdet like expert
Make quick easy cash now
Survey Junkie - Earn up to $35 per survey
Rakuten - Cashback on shopping - $25 welcome bonus
Be Frugal - Earn $10 when you sign up
Flipper - buy cheap sell high and make huge profit
Acorns - turn your spare change into more money
Follow me for updates on quick cash programs





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