The 8 Best Financial Apps for iPhone in 2023 [Reviewed]

Are you an iPhone user? Do you want to know which is the best financial app for iPhone? This article will show you the 8 best iPhone financial apps to help you save money, keep track of your finances, dip your toes into investing, and even ensure your credit line is up.

Managing your money is not the most straightforward task. Now that many of us don’t keep chequebook balances anymore, tracking expenses and maintaining a bank balance can be difficult. Personal finance apps can connect to your bank account and help you keep track of your spending. These apps can help you determine which categories you spend the most, track upcoming bill payments (some let you pay your bills directly through the app), and keep up with your credit score and investment portfolio. The best personal finance apps offer a variety of features (email reminders, bill due dates, track subscriptions, shared wallets, etc.) to manage your overall finances.

All the apps on our list are available on iPhone, iOS, and Android, so you can enjoy them no matter which smartphone you have. At the time of this writing, each has at least 4.5 stars (out of 5) in the iOS App Store or Google Play and at least 1,000 reviews.

8 Best Personal Finance Apps That Can Help You Take Control of Your Money

Going forward, make sure you set up a budget that commits to strict rules such as cutting unnecessary expenses. Also, starting with a financial goal with a clear savings plan is best. And with real-time tracking of where your money is going, you’ll be aware of what’s going on and be able to take the right action at the right time.

The best budgeting apps help you understand your income and expenses, giving you maximum control over your finances. Budgeting apps can connect to your bank accounts and credit cards to automatically download transactions and categorize your spending to match your chosen budget.

Not all personal finance apps are designed for the same intention. While some apps aim to boost credit scores, others focus more on money management and maximizing savings. What’s more, some finance apps focus more on debt fixing and portfolio tracking. While I can’t say which of these apps you need, I can say that one of them can do the job for you to keep your money on track.

Best Finance AppsWhy choose itPrice App store rating
MintMost popular budgeting app available, with 25 million usersFree 4.8
Personal CapitalProvides a holistic money management solution, offering budgeting and investment tools.Free 4.7
You Need a Budget (YNAB)Helpful reporting and budgeting tools$98.99 per year4.8
PocketGuardIts features focus on helping users control overspendingFree/$7.99 per month, $34.99 annually, or $79.99 one-time fee, a lifetime subscription4.7
prismOffering the ability to sync with thousands of billersFree 4.7
MobillsProvides in-depth graphs that help you have better insight into your money.Free, $4.99/month4.7
Spendee It is a collaborative budgeting app that will allow you to track your moneyFree, $2.99/month or $22.99/year4.6
Credit KarmaFree, $2.99/month4.8

1. Mint: Best Free Budgeting App

Mint: Best Free Budgeting App

Mint has been around for ages and was one of the first great personal finance apps for the iPhone. It was acquired by Intuit in 2009 and has only grown in popularity. It allows you to add various bank accounts, credit cards, and bills (phone, electricity, gas, insurance, loans, mortgages, and more). It then provides an overview of your cash, debts, investments, outstanding bills, and budget. Mint offers one of the most popular free budgeting apps on the market. This is an excellent option for those looking to improve their spending habits. The free app, but you may see ads for targeted financial products.

You can sync your financial accounts within the app or add transactions manually. Mint lets you view all your accounts in one place and keep track of your spending every day. The app automatically organizes your spending so you can see totals by category at a glance. Mint offers monthly bill tracking and payment reminders to avoid late fees. The app also lets you keep track of your investments and check portfolio payments. Mint has several educational resources, such as a home affordability calculator, loan repayment calculator, and a blog on various personal finance topics.

Mint protects your data with security scanning with Verisign, multi-factor authentication, and Touch ID mobile access. The Company stores your login information in a separate database with multiple hardware and software encryption layers.

Key Features

  • Easy to use. 
  • Flexible budget tools allow testing in different scenarios. 
  • Sends financial summaries and alerts via email or text message. 
  • The tax tool integrates with TurboTax. 
  • Free credit score, powered by Equifax.
  • Email or text alerts for unusual account activity, bill reminders, and low balances. 
  • Bank-level data security for account consolidation. 
  • Easily customizable, digestible financial reports. 
  • Create expense and income categories on the fly. 
  • Automatic download of transactions from almost any financial institution in the US.
  • Automatic categorization of downloaded transactions. 
  • System alerts notify you if account updates are blocked for any reason. 
  • Add the value of the house, car, or other physical assets for the exact net worth. 
  • Easy to find help and support.


  • Free budget app. 
  • Free TransUnion Credit Score. 
  • Investment tracking. 
  • Deep insight into your account. 
  • Ability to set your financial goals. 
  • Convenient bill tracker. 
  • Actionable tips. 
  • Money management advice.


  • In-app product advertising. 
  • Some complaints about technical problems. 
  • Categorization of expenditure could be better.

Download now

2. Personal Capital: Best for Wealth Management

Personal Capital: Best for Wealth Management

Personal Capital tops our list of the best apps for building wealth. You can use the product dashboard to sync accounts for an entire picture of your finances. The company’s primary app is free, with an option to add investment management services for 0.89% of your money for accounts under $1 million.

Personal Capital is a personal finance and wealth management app that lets you manage your wealth, investments, and daily expenses. While you can connect to your bank account to track expenses and create a monthly budget, the app helps you track and optimize your investments. You can track your portfolio by account, asset class, or separate security.

With built-in intelligence available on the tablet and mobile versions of the app, you can find opportunities for diversification, risk management, and any hidden fees you’re paying. Comparing your portfolio to important market benchmarks can help you determine whether you’re on track to meet your investment goals.

Personal Capital also offers registered financial advisors who can provide you with customized advice based on your goals. Personal Capital protects your data with encryption, fraud protection, and strong authentication. No one has access to your login credentials and the company’s partnership with Yodlee, an experienced financial technology company, offers another layer of security.

Key Features

  • High yield interest-bearing savings account. 
  • Individual and joint accounts. 
  • Pay bills by linking to your checking account. 
  • Direct deposit. 
  • Interactive cash flow tools. 
  • Manage all your accounts in one assured place. 
  • Unlimited deposits and withdrawals.
  • Each paid advisor-client can access a financial advisor. 
  • It provides comprehensive tax-minimization strategies including tax-loss harvesting. 
  • Stock and private equity investments are available to some advisory clients.


  • Free wealth management app.
  • Retirement Planner tool.
  • Education Planner tool.
  • Net worth tracking.
  • Fee Analyzer tool for your portfolio.


  • Less focused on the budget. 
  • There is no option to manually add transactions to the budget. 
  • Call sales for asset management services.

Download now

3. You Need a Budget (YNAB): BEST FOR DEBT PAYOFF


YNAB made it to the top of our list because of its budget philosophy. The company offers a 34-day free trial (no credit card required); After that, the cost is $98.99 per year. If you choose to pay less upfront, the price is $14.99 per month.

YNAB allows you to sync your bank accounts, import your data from a file, or enter each transaction manually To get started, the company recommends learning the basics of the app through video courses, a live factory, or reading a guide. YNAB offers an active budgeting approach rather than tracking what you’ve already spent like some competitors.

The better thing about YNAB is that it doubles as an educational tool. It not only provides support but also instructional videos on how to avoid debt or cut costs. There is a complete training method.

After signing up, you create your first budget and assign each dollar a purpose, such as your rent or car payment. The goal is to get at least a month ahead, so you’re spending money you earned 30 days ago. The company offers comprehensive educational resources and customer support to keep you on track.

YNAB tells that privacy and security are its top priorities. The Company saves your information using bank-level encryption for all data, best practices for password security, third-party audits, and more.

Key Features

  • Bank Sync: Securely link your accounts and see your entire financial picture in one place. 
  • Real-time expense tracking: See your budget changes in real-time across devices, making it easy to share finances with a partner.
  • Loan Calculator: Find more money for your loan with our loan planner tool. We’ll calculate the interest and time saved for every extra dollar you borrow. 
  • Goal Tracking: Make your financial goals a reality. Build categories for your financial goals and see your improvement at a glance.
  • Expense and Net Worth Reports: Visualize your expenses and obsess over your progress with budget reports. See your average grocery cost (down by percentage) and your cumulative total value in full Technicolor glory. 
  • No Ads: We do not (and will not) sell your data. We do not pitch you recommended products within the app. When you open your budget app, this is your budget.
  • Award-winning customer support: Ask our award-winning support team your budgeting questions via email or live chat.


  • Complete budget changes. 
  • Free 34-day trial. 
  • Essential customer service and comprehensive education. 
  • Detailed budget and expense reports.


  • $98.99 per year.
  • More time-acute to learn.
  • Current sync issues.

Download now

4. PocketGuard: Best for Overspenders

PocketGuard: Best for Overspenders

PocketGuard has earned the top spot as the best for overspenders as its features help users control overspending. The app provides a free, paid, premium version, PocketGuard Plus.

You’ll need to link your checking, savings, and credit card accounts to get started The app can see what you’re spending and where to save, reminding you when credit card bills are due. PocketGuard’s “In My Pocket” feature uses an algorithm to test how much money you can spend based on your income, upcoming bills, goals, recent expenses and budget.

The app offers an intelligent bill reminder to keep the path of due dates and indicates where you can negotiate for lower bills. There’s also an auto-save feature, which lets you set a goal and save for it. PocketGuard automatically transfers money to a bank account on your behalf.

PocketGuard Plus offers additional features such as creating your categories, changing transaction dates, the ability to export data, track cash, manage ATM deposits and withdrawals and split transactions. The company also publishes an educational blog for additional learning opportunities.

All the money-saving features combined with additional security features make PocketGuard one of the best personal finance apps you can get for your Android and iOS devices. PocketGuard prioritizes security with 256-bit encryption, a four-digit PIN, and biometrics such as Touch ID and Face ID as another layer of saving.

Key Features

  • Easy-to-use tool to track your budget and savings efforts every day. 
  • Helpful money management tools. 
  • Set unlimited financial goals. 
  • Sync accounts from thousands of organizations.
  • Useful subscription management. 
  • Organize expenses and view expense reports. 
  • 256-bit SSL encryption. 
  • Supports Touch ID and Face ID.


  • Free basic budgeting app.
  • Cash flow at a glance.
  • Easy to use.
  • Customizable budgets to curate an accurate financial picture.
  • Capabilities to design to help users reach their protection goals.


  • PocketGuard Plus has a cost.
  • No phone support.
  • Some complaints about technical problems.

Download now

5. Prism: Best for Bill Payment

Prism: Best for Bill Payment

Prism shows all your bills and financial accounts in a single app, giving you a complete image of your finances. The app supports over 11,000 billers, including major banks and even small utility companies. Add your bills to the app, and Prism automatically tracks your bills and sends due date reminders to help prevent late payments.

Offering the ability to sync with thousands of billers, Prism takes the headache out of paying bills by allowing you to track all your billing accounts in one place.

You can use the app to pay your bills by scheduling payments on the same day or several days in advance. Prism eliminates the necessity to log into multiple accounts to pay bills.

Key Features

  • More billers (11,000) than any other app 
  • Automatic bill tracking: due date, bill total, and payment history. 
  • Free same-day bill payment. 
  • Alerts and due date reminders.
  • Your financial graphs are easy to understand. 
  • Payment history. 
  • Bill calendar view. 
  • View the comprehensive bill list. 
  • Prism pulls data into a calendar or list. 
  • Cancellation of payment.


  • Handy payment due date reminders
  • Intuitive
  • Light as a feather
  • Blazing fast
  • The full picture of your accounts in one app


  • Limited features – bill pays only

Download now

6. Mobills: Best for Insightful Graphs and Detailed Reports

Mobills: Best for Insightful Graphs and Detailed Reports

Mobills organizes your expenses into categories so you can track how your spending is progressing toward your budgeted amount. See how much you have left to spend in each budget category so you can rein in your spending as needed.

Mobills’ budget planning app includes interactive charts that let you analyze your financial life; You can use them to make adjustments to reach your larger financial goals. Add your credit card to the app so you can see your current balance and spending limit all in one place. You can also add all your bills and due dates to keep track of when your bills are due.

Additionally, it provides insightful reports to let you know both ups and downs. Features like credit card manager, bill payment alerts, and spending with geolocation help you stay in complete control. Also, the app has an efficient financial goal manager that can prevent you from getting off track.

The free version of the app has limited functionality while upgrading to the premium version will give you full access to all the features of the app. The premium version costs just $49.99 if you pay for a full year.

Key Features

  • Credit card manager.
  • Financial goals and budgets.
  • Customized graphs and reports.
  • Advanced filters by bill, category, and tag.
  • Cloud synchronization (you can use it online and offline).
  • Financial goals manager.
  • Expenses include geolocation.
  • Store and save your receipts.
  • Bill payment alerts.
  • Monthly and annual cash flow graphs.
  • Budget Planner and bill reminder.
  • Debt control.


  • Simple expense categorization. 
  • Supporting visuals. 
  • In-depth graphs and personalized reports. 
  • Reliable offline functionality. Credit Card Manager. 
  • Bill Payment Alert. 
  • Seamless cloud synchronization


  • The free version has limited features.

Download now

7. Spendee: Best for Shared Expenses

Spendee: Best for Shared Expenses

Many other personal finance apps are for personal use. But Spendee lets you create shared wallets with friends and family that you can use to manage shared expenses for the family budget. Spendee is on our list of best financial apps because it’s a collaborative budgeting app that lets you automatically track your money (both expenses and income).

You can import your bank transactions and let the app categorize them to show how you’re spending each month. You can manually add cash expenses for a more proper picture of where your money goes. And if you’re worried about going over budget, you can set budget amounts for each expense category and track your progress toward that budget amount.

Additionally, Spendee’s bill tracker functionality ensures that you remember to pay each of your bills and avoid late payment penalties. If you’re going on a trip or other special event, you can create a category specifically for that event to track your expenses and keep yourself on budget.

Although Spendee offers a free version, it has limited features compared to the paid version. Those who want the app to sync with their bank accounts must pay for the premium version, which costs $2.99/month or $22.99/year.

Key Features

  • Budget – to help you stick to your financial goals. 
  • Wallet – Organize your cash, bank account, or various financial events. 
  • Shared finances – to manage finances efficiently with partners or flatmates. 
  • Multiple currencies – to manage vacation money with ease.
  • Labels – To identify and analyze transactions in greater depth. 
  • Dark Mode – For enjoying in an eye-friendly environment. 
  • Web version – see your finances on a big screen. 
  • Secure Data Sync – To keep your details private, confidential and safe.


  • Simple expense categorization. 
  • Simply accessible by family members or roommates. 
  • Capability to connect all your accounts in one place and cooperate with others on a shared budget. 
  • Provides a bill tracker feature so never miss a payment.


  • The free plan has limited features.
  • Bank account sync is only available with a Premium plan.

Download now

8. Credit Karma: Best for Credit Score, Savings, and Loans

Credit Karma: Best for Credit Score, Savings, and Loans

If you want to easily track your credit score, try “Credit Karma”. The app keeps track of your profile and also offers personalized recommendations. Therefore, you remain in the loop with everything that thing to you. Credit Karma will give you freedom and more control over your finances.

Credit Karma’s primary function is its credit score report, which draws data from two reliable sources: TransUnion and Equifax. All reports are up to date and useful for keeping track of your scores. The app uses balances, inquiries, and other transactions to generate your reports.

Credit Karma helps you find loans and insurance deals that suit what you’re looking for. It provides support to improve your score with financial articles and guides. This includes a credit score simulator, which shows you what factors affect your score Just remember that reports are estimates and should not be considered set in stone.

Key Features

  • Check Your Free Credit Score – Learn what affects your credit scores and how you can take control. 
  • Credit Karma Money™ Spending – A checking experience with early pay* and a daily chance to win instant Karma™ cash payouts for debit card purchases. 
  • Save Credit Karma Money™ – Save easy now with no fees, an interest-bearing savings rate and a monthly chance to win $20,000.
  • Karma Verification – See personalized offers and know your chances of being approved for a personal loan or credit card before you apply. 
  • Credit Card Choice – Browse comprehensive credit card offers based on your unique credit profile. And thanks to Karma Trust technology, our members get about 66% more approvals. 
  • Auto Savings and more – tune up your auto loan, see insurance savings, view open recalls and find vehicle records.
  • Karma Drive – Path your safe driving score to look if you can unlock lower car insurance rates. 
  • Home Sweet Home – Calculate how much you can afford, view personalized home loan offers and get a mortgage pre-qualification letter. 
  • Personal Loan Shopping – Whether you’re looking to refinance credit card debt or borrow for an emergency, you can compare personal loan offers at Credit Karma (members who compare offers at Credit Karma save an average of 32% on interest rates!).
  • Explore the Relief Roadmap – Connect with government stimulus programs, unemployment advantages, debt relief opportunities, loan options, and others. 
  • Monitoring Free ID – Check your free reports to identify potential identity theft and get tips for keeping your personal information safe. 
  • Free Credit Monitoring – Receive credit alerts when we see important changes on your Equifax or TransUnion credit report.


  • Credit score report.
  • Monitors credit.
  • 128-bit encryption connection.
  • Facilitates tax filing.
  • Personalized approval odds
  • Boost your credit score 
  • Proficient tips.
  • Connect with major government programs.


  • Only one credit report.
  • Requires use of impressible information.
  • Issues of report oversight.

Download now

5 Things to Consider when Choosing the Best Financial Apps for iPhone

Before downloading and taking up more of your phone’s precious storage space, it’s important to figure out which apps are really worth your time—and sometimes money—and when it might be best to keep looking for an app that will meet your needs.

  1. Start with a goal:

It’s important to remember that an app is a tool. The top apps to help you manage your money can offer insights, guidance and assistance, so you should try to determine which particular challenges you want the app to help address.

  1. Understand the features before you dive in:

With your goal in mind, consider the potential benefits and drawbacks of different budgeting and spending apps. When you’re determining how to choose the right finance app, an essential requirement is that the app works with your mobile device or tablet operating system. 

Beyond that, consider whether or not you’d like to link the app to your bank, brokerage, or other financial accounts so your information can be automatically pulled in. While it’s easy to be glued to your mobile device, maybe you’re also looking for an app that can be accessed from your computer. A bigger screen could be nice for some more robust finance programs.

  1. Research the reputation of the app:

The best apps to help you manage your money could come from major financial institutions and lesser-known companies alike. Either way, you’ll likely benefit most from a well-researched, tested, and reviewed the app.

Before downloading a new budgeting and spending app, you can determine how recently the app was created and if anyone else has reviewed it, Jackson says. You can find reviews in your app store, and look back at the very first reviews to see the age of the app.

  1. Consider the cost and time commitment:

If you see an app to help you manage your money that’s checking all of your boxes and has a record of strong reviews, download it to try it out. Some apps come without a fee, so the only investment you’ll need to make to get up and running is your time.

Certain budgeting and spending apps require a one-time fee to download, and others may charge a monthly or annual subscription. If you opt for an app with a fee to download or a subscription, consider if the upfront cost will pay for itself in the long run.

  1. Keep your personal information safe:

When you’re considering how to choose the right finance app, give special consideration to security and protecting yourself online.

Getting a well-reviewed app from a reliable company could be a good place to start, as the company may frequently update the app with new security features or fixes for bugs. If you’re planning to connect your bank, credit card, or other financial accounts to the app, you may want to look for some specific protections.


What Is a Personal Finance App?

A personal finance app is an app that you can download to your smartphone or tablet that helps you manage all aspects of your personal finances. These apps can help you track your spending, savings, and investments. They can track bill remuneration and keep you up to date on credit score changes. You can connect the Personal Finance app with your financial institution to see where money is being spent from your bank account.

A personal finance app makes it simple to keep track of your finances on the go. A personal finance app usually has various features like shared wallets, bill reminders, automatic bill payments and even managing subscriptions.

How Much Does a Personal Finance App Cost?

Usually, personal finance apps grant a free version and a paid version. The free version may contain ads and little features than the premium version. Paid versions of personal finance apps vary in price but are comparatively cheap, around $25 per year. Other apps only offer one version and that’s free. So, if you need some extra help managing your finances, a personal finance app can be an inexpensive way to help.

What Are the Best Personal Finance Apps?

The best personal finance app for you will depend on your identical needs and partiality. Those looking for an app with an investment component can benefit from Personal Capital, while those looking for a free app with comprehensive budgeting tools can benefit from Mint. To choose the right app for you, figure out your financial goals and needs.

What Features Should I Look For?

Most budgeting apps offer the ability to sync your bank accounts. You may collect your income and consumer spending data into the app. Many apps can track your spending and organize your expenses into categories, which allows you to see trends over time. These features may make it easier to understand your spending habits and make better choices. 

Some apps take it a step further with automated savings, suggestions to save money, bill alerts, access to credit scores, and investing features. For apps with a savings component, you should make sure the account is FDIC-insured. You may also consider the account’s APY and how it compares to high-interest online savings accounts, which may also offer free budgeting tools. Depending on how much money you’re saving, switching to an online, tech-focused bank offering a higher APY could be better.


Budgeting is a challenge for many people. While many people want to spend, manually tracking expenses with spreadsheets can be tedious, and it’s easy to give up. Fortunately, there are budgeting apps to automate the process. The only problem is, that the market is flooded with free and subscription-based budgeting apps, and most people don’t have the time or energy to spend a month testing each one. Fortunately, we’ve done the heavy lifting for you. To create our roundup of the best budgeting apps, we considered 8 of the best companies on the market. We compared each app’s budgeting functionality, price, free trial, features, and user reviews. We compared product features, educational tools, security, and how each app accesses your financial data. All our picks are free, offer a free version, or have a free trial, so you don’t have to waste money on a budgeting app that doesn’t suit your needs.

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