![]() This makes it challenging to keep up with where you are in your monthly spending on any given day. One of the tricky things about managing your money is that money drips in on certain days, and bills and expenses go out on certain days. Plus, the app prides itself on not having any sneaky fees. As its name suggests, the dashboard is sleek and straightforward, so it’s great if you’re looking for something easy-to-use to replace your tried and true spreadsheet. It has all the standard-issue features you get in a mobile banking account (pay bills, transfer money, deposit checks on your phone, etc.) as well as its Safe-to-Spend feature that tells you how much you can spend at any given moment. Simple is not a money management app per se but rather a mobile banking account with built-in budgeting tools. The app also helps you get started on saving for retirement. It’s an easy way to dip your toes into investing. It rounds the purchase up to $5 and puts the extra 50 cents towards stocks and bonds. Let’s say you spend $4.50 on a matcha latte. The app rounds up each purchase you make up to the nearest dollar and puts the extra change towards investments. Got change burning a hole in your pocket? Put it to good use with the Acorns app. With the plus plan ($3.99 per month), you can also track your cash. The app will even help you save some money by negotiating lower bills for you. What’s unique about this app is it’s “in my pocket” feature that lets you know exactly how much money you have available to spend after factoring in your bills and expenses. It also automatically categorizes your transactions, so you know how much you’re spending and on what. Similar to other money management apps, PocketGuard groups all your accounts onto one dashboard for easy access. The upgraded version also gives you access to Financial Peace University, a nine-lesson class on paying off debt, saving, and building wealth. The downside is that you have to manually enter your expenditures unless you upgrade to EveryDollar Plus ($129.99 billed annually) to get it automatically synced to your bank account. In the app, you can create a monthly budget, add in your monthly income, plan expenses, and track your spending. Budgeting is the name of the game with EveryDollar.
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