The 5 Best Budgeting Apps of 2021

In 2021, there are so many budgeting apps out there, so which should you choose? This really depends on what you intend on doing with your money, your short and long term goals, and how much you want to spend per month. You may be someone who takes out same day payday loans to improve your credit score, or an investor who is looking for wealth management. We have listed the 5 best budgeting apps of 2021, so you can choose the one that suits you.

You Need a Budget (YNAB)

YNAB is one of the best budgeting apps of 2021. YNAB allows budgeters to save £500 within the first two months of using it, and a nearly £6000 within the first year. With a 34 day free trial, this is not one to miss. This app allows you to have the ability to sync all of your bank accounts and import your data from file. Offering a proactive approach to budgeting, you do not have to track what you have already spent, doing the hard work for you.

Simplifi

Simplifi is a personalised approach to spending with real time updates. What this allows you to do is see how much you have left to spend throughout the month, syncing all your bank accounts to show you just whereabouts you stand in terms of your financial goals. Tracking your monthly bills and subscriptions, this is not one to miss. One of the top features is the custom watchlist feature within the app, allowing you to limit a particular spending category or limit money outgoing to a certain payee.

PocketGuard

PocketGuard is a great budgeting app that allows you to cut out any tendencies of overspending. Spending limits allow you to take control of your finances. The app has an inbuilt algorithm that can keep track of due dates for payments, identify how much is being spent based on your incomings and outgoings and allows you to create your own categories with a personalised approach.

Personal Capital

Personal Capital is an especially beneficial budgeting app that is great for wealth building while keeping your money all in one place. It also allows you to plan ahead with a retirement planning feature and a fee analyser system to check fees of various portfolios. Additionally, the basic version of the app is free and protects your data with encryption services in built. You can also add a budget to compare against previous months and find out whether you are overspending in any areas in particular.

Zeta

As a free budgeting app, Zeta has a wide range of benefits. Designed for couples, joint accounts or any other pair who wish to share finances, this app is for you. You are able to sync your spends so that those who live, work or spend together in any way can see how much the other is spending and balance your monthly payments accordingly. The app has the capacity to create budgets for you, tracks spending, manage all your bills and set goals for the near future and beyond. You get unlimited transfers for free, no monthly fees or minimums and data encrypted data bases to keep your information safe.