10 Genius Budgeting Apps for People Who Hate Math (or Really Anyone)

Photo credit: katie buckleitner
Photo credit: katie buckleitner

From Cosmopolitan

I’m going to go out on a limb and guess that you’re not saving up for that big Europe trip anymore. Still, it’s a good idea to get a budget started for when life gets back to normal, whatever that means for 2020.

Whether you’re making cash from your couch, or searching for coins in said couch, you’re going to need a place to organize it all and make sure it’s not going directly to online shopping and takeout.

Maybe you need a nudge to cancel that subscription you literally never watch, or need to figure out finances with your S.O.—there’s an app for both of those things. For all your financial planning needs, these are the best budgeting apps for tracking your cash flow in both directions.

1. If You’re a Budgeting Beginner

Mint

Photo credit: Mint
Photo credit: Mint

Free on iTunes and Google Play

Sometimes it’s helpful to see all your money in one spot (even if the numbers are a bit cringe-worthy right now). This app will show you the classic pie chart of your spending, so you literally can’t ignore how much of your salary is going to seamless. Mint can help you set reminders so you don’t have overdue bills, too.

2. If You’re Working With Multiple Bank Accounts

Wally

Photo credit: Wally
Photo credit: Wally

Free on iTunes

When you download this app, you enter all of your account info from every bank and every credit card you use. That way, you get a big picture of where *all* of your earnings are going. Plus, you can do things like tally up your weekly grocery budget by item.

3. If Your Finances Need an Intervention

You Need A Budget

Photo credit: You Need A Budget
Photo credit: You Need A Budget

Free trial for 34 days; $11.99/month on iTunes or Google Play

For those of you that need a bit of a financial overhaul (you know who you are), it’s worth paying for this app. It’ll show you exactly where you’ve overspent and lines up your immediate financial obligations so that you can start chipping away at your debt at your own pace.

4. If You’re a Little Subscription-Happy

Clarity Money

Photo credit: Clarity Money
Photo credit: Clarity Money

Free on iTunes and Google Play

$9.99 a month really adds up, especially when you aren’t watching anything besides Netflix. Clarity shows all your recurring monthly expenses so you can figure out what to keep and what to cancel.

5. If You Want To Do Absolutely No Math

Albert

Photo credit: Albert
Photo credit: Albert

Free on iTunes and Google Play

If you also happen to be one of those people who evaded calculus their whole life, this is going to be the app for you. Albert acts as your financial coach with its virtual “Genius” advisors (these are real people, not bots) that’ll show you where you can cut back on your bills and invest more.

6. If You Need Constant Reminders of How Much Money You Have

Pocket Guard

Photo credit: PocketGuard
Photo credit: PocketGuard

Free on iTunes and Google Play

PocketGuard will always alert you with exactly how much you have in your “pocket,” AKA what’s spendable, as compared to what bills you have coming up and what you have saved in your rainy day fund.

7. If All Your Bills Are Paperless

Goodbudget

Photo credit: Goodbudget
Photo credit: Goodbudget

Free on iTunes and Google Play

This app is based on the old-school envelope budgeting system, but it’s way more eco-friendly. It allows you to separate your income into digital “envelopes” like groceries, paying off your credit card, and your dining out budget.

8. If You Want To Do Both Banking And Budgeting

Simple

Photo credit: Simple
Photo credit: Simple

Free on iTunes and Google Play

Prefer to do all your banking right from your phone? Join Simple to get an official checking account and keep track of all your finances with the budgeting app that goes along with it. It’ll tell you everything’s that’s “safe to spend”—no spreadsheets needed.

9. If You’re Obsessed With Spending #Goals

EveryDollar

Photo credit: EveryDollar
Photo credit: EveryDollar

Free on iTunes and Google Play

EveryDollar gives you control of where you would (ideally) like your money to go, separate your budget into what you have in mind for giving (you can even break it up by charity or organization), and what you’d like to save for travel and for personal expenses.

10. If You’re Budgeting With Your BF or GF

HoneyFi

Photo credit: Honeyfi
Photo credit: Honeyfi

Free trial; $5/month on iTunes and Google Play

Just moved in together? Your relationship is going to need a budgeting app. Even if you have separate bank accounts (the app allows unlimited accounts), you can still plan and track spending as a couple, so one person isn’t always picking up the takeout bill.

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