4 Best Budget Apps on the Market and 3 Reasons to Create Yours

Over the last few years, more people have become concerned about their personal finances. Excessive expenses, budget gaps, and a salary drained a week before payday is a worrying trend for many – that’s why budget apps have emerged. But does it make sense to create a budget app and how to build a personal finance app that will be good enough to compete with the rest?

In this article, we will review some of the best budget apps on the market and 3 reasons to build a financial app.

Top 4 Best budget Apps on the market

Before you create your own budget app, you need to know which are the best performers. 

Creating a personal finance app is not an easy thing which is why you should look up to the best examples.

See Also: Top 10 Best Financial Calculator Apps for iPhone

1. Best overall app: YNAB

Creating a finance app is a fine art that is displayed here. YNAB has a unique approach to budgeting. The software uses a methodology called “budgeting with purpose.” This system helps users understand the fine balance between spending and saving by assigning every dollar a specific goal. 

To get started, users create a budget. From there, the program determines how much each expense will cost in one month’s time. Then, every dollar is assigned to an area of spending. Тhe software costs $84 per year, but it’s well worth it.

2. Mint

Mint has been a top app for budgeting and financial management, but with its integration of credit score tracking, customers can now view their TransUnion credit score alongside their budgets. 

The app also allows users to set up bill payment reminders and investment trackers, making it an all-in-one financial suite that provides users with real-time support. They’re your customers, not your salespeople.

3. Pocketguard

PocketGuard takes a unique approach to saving money, instead of imposing strict rules and regulations on their users. Instead, the app (which requires the Plus version) allows users to build a profile that includes details on their income and expenses.

The app then creates a “smart bill,” which tells users how much they can spend each month. PocketGuard charges $7.99 per month or $79.99 if you pay annually.

4. Zeta

Zeta has a pretty simple goal: it wants to help you and your partner manage your finances together. The app allows couples to connect bank accounts, credit cards, and other hard-to-track expenses in order to keep track of their spending habits. 

Couples can also see their net worth grow over time as they work toward their financial goals. The application also works for engaged or married couples as well as new parents looking to be more responsible with their finances.

Reasons to Create a Budget App

A third of Americans don’t have any emergency savings. They are desperate to find a solution for their pains.

1. People want to save money

People want to save money. Too many times, users have multiple cards, which they drain. At some point, they start to lose their financial progress. Money comes, money goes. 

With a financial app, users finally understand where does their money goes.

2. Avoid getting into debts

Buying a new TV because Black Friday is soon? Not really. Monitoring the expenses means people could schedule down payments, tuition fees, medical checks, etc. 

This way, they will predict the time when they can actually afford to buy something they like and have the money to purchase it. 

3. Track progress

People can track their financial progress. This way, they can delegate budgets and allocate them every year, month, or week.

Financial apps turn out to be very convenient for that reason.


People are looking for solutions for their finances. If you create a budget app, you will not only solve a problem for many consumers, but you will also profit from it.

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