According to Forbes, 78 percent of Americans prefer banking online or via an app than going to the bank in person. While your phone won't give you a free lollipop with your transaction, these apps will keep your finances sweet.
Best Personal Finance Apps
Here's our list of the best personal finance tracking apps we found to help you take care of your banking and finance needs online. For more iPhone tips, check out our Tip of the Day newsletter.
Monarch: Budget & Track Money - ($14.99/month)
Monarch is an excellent all-in-one finance app. Manage your budget, track your money, set financial goals, and analyze your investments.
Rocket Money - Bills & Budgets - ($6.99/month)
Premium lets you manage subscriptions (and even get you a refund!). It can also track your net worth, including NFTs, jewelry, and fine art.
SumUp - Credit Card Reader - (Free)
After a free trial, business owners can simplify their orders, payments, and reports. You can even add staff and manage their access to the app.
Oportun - Savings made easy - ($5/month)
Build a nest egg by linking an existing bank account and setting up automatic withdrawals based on your unique savings goals. You can also choose from pre-existing options to make it easy.
Google Sheets - (Free)
Did you know Google Sheets offers money management templates? Keep track of your finances without paying a subscription.
MoneyCoach Budget, Track Money - (Free)
Mindfully build healthy financial habits with MoneyCoach. The app works across Apple devices, even Apple Vision Pro. Premium has more features, but the free version has all you need.
Empower - (Free)
Perfect for investors, Empower helps manage money and even set up an investment portfolio on the iPhone, iPad, and Apple Watch. Empower charges 0.89 percent on portfolios under $1 million.
Apple Wallet - (Free)
Upload your cards to pay using your iPhone or Apple Watch, keep track of finances, and even set up a high-yield savings account. Wallet also stores plane tickets and virtual keys.
GoHenry by Acorns Kids Banking - (Free)
Set your child up with their first debit card to help them learn money management. Monetize chores, dole out an allowance, teach about savings, and more.
Robinhood - (Commission-Based Payments)
If you want to trade but don't know where to start, Robinhood is an excellent choice. It offers simple options and guidance to get you going.
Webull: Investing & Trading - (Free)
Webull is for those with some trading experience. Enjoy an array of commission-free trading options and sophisticated software to make your trades.
CardPointers for Credit Cards - (Free)
Maximize your credit card rewards and keep your data private. Select the type of card you have (no need to enter your card information) and see what rewards are available.
YNAB (You Need a Budget) - ($14.99/month)
YNAB helps you get serious about budgeting. Its zero-based budgeting system means everything gets accounted for; even expenses must be justified. Perfect for getting tough!
Expensify - (Free)
This app is perfect for professionals. Manage your work finances by tracking expenses, collecting payments, invoicing clients, and more.
Quicken Simplifi—Budget Better - ($5.99/month)
Create a budget in a simple, intuitive way and track your expenses to make sure you stick to it. Perfect for getting to know your spending habits and improving them.
PocketGuard - (Free)
Explore extensive budgeting options, including In My Pocket, which tells you how much money you’ll have left after paying your expenses, and a feature to help negotiate bills.
Zeta Joint Account - (Free)
Zeta is a budgeting app for couples. It connects to joint accounts and set budgets and helps couples communicate spending. Couples keeping money separate can use it to split purchases.
If you liked this finance app list, check out our full list of best iPhone apps in the categories of entertainment, finance, health and fitness, dining and cooking, design and photo, and staff and reader favorites.
