The Best Personal Finance Apps 2022
Updated on April 14, 2022 | by Austin
Managing your personal finances can be stressful and time-consuming. Everything costs money. From paying your rent each month, managing debt from credit cards and student loans, and wanting to live life, it’s easy to feel out of control with your hard-earned income.
Sometimes, expenses get out of hand. The average American has $90,460 in debt. It doesn’t have to be this way.
Are you ready to take control of your personal finances? Keep reading for the best apps for personal finance 2022.
Best for Budgeting Beginners: Mint
There’s a reason that Mint ends up on every list of “Best Finance Apps.” It’s just that good.
Mint is owned by Intuit, the same company that created TurboTax. With Mint, you can monitor your credit score, net worth, investments, and of course monthly spending all in one place. You can also monitor any subscriptions you pay for monthly so you don’t have any surprise charges.
The best part? Mint is free to download and use. Once you download the app from the app store, just input your account information and you’re ready to go.
For those starting out, you may realize you need some actual paystubs to get your finances in order. Learning how to make a paystub is an important part of starting your personal finance journey.
Best for Those Wanting to Save $$$: Trim
It’s always frustrating to see that one of your monthly subscriptions went up without the company telling you they were increasing their rates. This can lead to you unexpectedly going over budget.
Trim saves you money by negotiating your bills and canceling old subscriptions that you might have forgotten about. The average user saves over $600 in their first year using Trim.
Trim is free for the first 14 days, and then users can either choose to pay $99 a year for Trim Premium or pay Trim 33% of what Trim ends up saving you in bill negotiations and thus increasing your savings.
Best for Couples: Zeta
Managing your own finances is hard, but managing finances as a couple can be even trickier. Take the awkwardness out of conversations about money with your significant other with Zeta.
Zeta allows you to manage all your accounts, both personal and shared, in one app. You can also set financial goals with your partner, as well as split expenses. Zeta is also free to download and use.
Best for Those Wanting to Get Out of Debt: You Need a Budget
You Need a Budget set you up to be intentional about your money. With your customizable budget, you can account for how much you want to put away to pay off your debts. And with how the app is set up, you’ll actually stick to saving.
You Need a Budget is free for the first 34 days, and then users can pick to pay $11.99 a month or $84 for an annual plan.
Best Apps for Personal Finance 2021
Since everyone has a different income and different monthly needs, the best personal finance app for you might be different than the best app for someone else. Hopefully, this list of the best personal finance apps gives you a good start on taking control of your spending.
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