5 best budgeting apps according to Trendonomics, You Need a Budget (YNAB) is the top budgeting app in popular. Many humans adore YNAB due to its 0-primarily based budgeting method, which provides thorough information of your profits and outlays however may additionally require a little getting used to. This can help you benefit from greater manipulation over your spending and universal monetary lifestyles by casting off uncertainty from your economic state of affairs.
5 best budgeting apps in 2025 to manage your money
📖 Author Introduction
Author: San Semzo |
Co-Founder of Trendonomic |
Digital Trender |
Content Writer |
Blogger |
Novelist
🗓️ Published on: June 22, 2025
✨ Curated by San Semzo— I hope you enjoy reading this blog post and find it valuable.
📖 Author Introduction
Author: San Semzo | Co-Founder of Trendonomic | Digital Trender | Content Writer | Blogger | Novelist
🗓️ Published on: June 22, 2025
✨ Curated by San Semzo— I hope you enjoy reading this blog post and find it valuable.
In April 2025, Trendonomics' editorial and research teams evaluated ten well-known financial apps, scoring and rating every one in step with 28 standards. We included real-global exams in our evaluation process. Among other things, every app's capabilities, costs, accessibility, and personal pleasure were assessed. 280 records factors had been gathered using Trendonomics to rank and score every app objectively.
To rank and score each app objectively, Trendonomics amassed 280 facts factors, which brought about the hints indexed underneath.
2025's Top Budgeting Apps
- Best Overall: You Need a Budget (YNAB)
- Best Low-Cost App: PocketGuard
- Best for Cutting Bills: Rocket Money
- Best for Couples: Honeydue
- Monarch money
1: You Need a Budget (YNAB)
Cost: $109 annually or $14.Ninety-nine in keeping with month
34the -day free trial
Rating for purchaser pride: 4.8 out of 5.
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Benefits and Drawbacks
Advantages
- Comprehensive monitoring and assessment of spending styles
- Try the app for 34 days without making any commitments.
- Intentional spending is encouraged by using zero-based budgeting.
Drawbacks
- relatively steeply priced in contrast to other apps
- Learning and making use of the budgeting method may additionally take time.
- Excludes ongoing synchronization of investment money owed
The Reasons Behind Our Decision
Although it could take some time to get used to the device, You Need a Budget, or YNAB is a fave amongst many finance enthusiasts. Every dollar has a cause in YNAB's zero-based total budgeting system, which incorporates making an investment, saving, and spending.
The goal of YNAB is to help you in turning into greater planned and mindful of your expenditures. Every dollar has a chosen use, supplying you with a comprehensive image of your profits and outlays. You can set monetary goals and tune your progress in the direction of them, just like with maximum price range apps.
Costs and Availability
- Monthly fee: $14.99
- Annual fee: $109
- Free trial duration: 34 days
- Platforms: Apple, Android, webpage
- Joint accounts available: Yes (up to 6 people per account)
2: Pocketgaurd
- Price: Free, or $7.99/month or $34.99/year for Plus
- Free trial: 7 days
- Customer satisfaction rating: 4.6/5
Benefits and Drawbacks
Advantages
- The paid model is reasonably priced, even as the primary version is loose.
- Include hashtags and notes in transactions.
- Price negotiation and cancellation offerings for subscriptions
- Payment records with unique merchants are effortlessly viewable.
Drawbacks
- Budget classes and connected debts are restricted within the loose version.
- The free trial lasts the last seven days.
- Unable to display credit score rating
The Reasons Behind Our Decision
If you are seeking out a low-value app, PocketGuard is worth a try, in particular in case you plan to buy an annual subscription.
The ability to divide transactions into several classes is one ivery of PocketGuard's best capabilities. You can classify the cash you spent on groceries separately if, as an example, you made a massive purchase from Costco that blanketed groceries and fixed patio furniture. For instance, if you bought a huge set of doors patio furnishings and groceries at Costco, you could separate the cash you spent on the patio fixtures from the cash you spent on groceries. If you need to move beyond easy price range categories, you could also encompass hashtags in transactions.
Costs and Availability
- Monthly fee: Free for basic, $7.99 for Plus
- Annual fee: Free for basic, $34.99 for Plus
- Free trial duration: 7 days
- Platforms: Apple, Android, webpage
- Joint accounts available: No
3: Rocket Money
4.6 stars for the Rocket Money emblem, which is high-quality for cutting payments.
Pricing alternatives consist of unfastened or as little as $6 according to month or $72 per 12 months for Premium.
7-day free trial
Rating for client satisfaction: 4. Five out of 5.
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Benefits and Drawbacks
Advantages
- Simple invoice negotiation and cancellation assistance
- Premium is to be had on a pay-what-you-need foundation (as little as $6 in step with month).
- Able to transfer funds in the app from checking to financial savings
- Keep an eye on your Experian credit score rating.
Drawbacks
- Requires a fulfillment fee to be able to negotiate the invoice.
- The loose version is without many beneficial functions.
- No tools for debt repayment
The Reasons Behind Our Decision
- Do you think your month-to-month bills for utilities like electricity, mobile service, or the internet are excessive? There are a couple of ways to lessen costs with Rocket Money's automatic negotiation carrier:
- Decreasing your monthly bill with the aid of at once negotiating prices for services like Net.
- Determining whether or not switching to an exclusive electricity provider will bring about price financial savings.
- Determining whether or not any current bank fees are eligible for repayment.
- Cancellation of subscriptions that aren't needed.
- You can select how plenty you pay, and Rocket Money fees between 35% and 60% of the primary 12 months's financial savings if it may negotiate a lower monthly invoice.
Costs and Availability
The monthly cost is both loose or $6–$12 for Premium (pay what you want).
Annual rate: Free; Premium (pay-what-you-want version) charges seventy-two. 0 0 0 to $144.00.
Duration of the loose trial: seven days
Platforms: net page, Apple, and Android
Yes, joint accounts are to be had for up to 2 people.
4: Honeydue
- Ideal for Couples
- Honeydue Score: 4.3
- Price of Honeydue: Free
- No free trial is available.
- Rating for consumer satisfaction: 4.4
Benefits and Drawbacks
Advantages
- The app is free to apply.
- Designed to make it easy for couples to deal with their cash collectively, it allows them to choose how good deal information they proportion with each other.
Drawbacks
- Only mobile programs, no computer model
- Compared to different apps, price range classes are a little more difficult to manage.
- Some capabilities of extra whole apps are absent.
The Reasons Behind Our Decision
Its many unique capabilities are made in particular for that motive, which makes it less difficult to keep music of your budget and stay organized.
Don't worry, using Honeydue does not require you to be completely sincere. You can select which accounts your partner can see; in case you set an account to "Individual," you may be able to see it. Your partner can view the balance, transaction hobby, or both in case you set the account to "Joint."
Within the app, you and your companion may have a conversation and speedy notify one another about debts, balances, or precise transactions. When deciding to buy something mutually, you can divide the value and suggest how plenty every one of you paid.
Costs and Availability
- Free consistent with month
- Free per 12 months
- Platforms: Android and Apple
- Yes, joint accounts are available for up to two individuals.
5: Monarch Money
- Monarch Money Price: $14.99/month or $99.99/year
- Monarch Money logo Rating: 4.4
- 7-day free trial
- Rating for customer satisfaction: 4.9
Benefits and Drawbacks
Advantages
- Sync various account kinds for a comprehensive financial picture.
- For some, "Flex Budget" might be more understandable and practical.
- To view the budget, include family members or financial advisors.
Drawbacks
- Out of the apps we examined, this one had the highest customer satisfaction rating.
- More costly than some other low-cost apps
- does not provide bill negotiation or cancellation services or credit score monitoring.
The Reasons Behind Our Decision
Unlike most apps, Monarch Money allows you to sync credit cards, savings accounts, and checking accounts. It also allows you to sync investments, loans, and even assets like cryptocurrency (through Coinbase) and real estate (through Zillow). Plaid, Finicity, and MX are the three services that Monarch lets you use to sync accounts in case you have trouble connecting (most apps only have one).
The interface of Monarch Money is clear, simple to use, and free of superfluous distractions. It's simple to view your finances on this well-structured app.
The Reasons You Can Trust Us
Established with a great deal of trust, Trendonomics has been assisting readers in locating the best low-cost apps. To provide readers with the best suggestions for a wide range of situations, Trendonomics' editorial and research teams independently investigated low-cost apps. To the top choices above, Trendonomics collected and computed 280 data points by researching and evaluating ten well-known low-cost apps based on 28 criteria.
How We Locate the Greatest Apps for Budgeting
In April 2025, the editorial and research teams at Trendonomics carried out independent, in-depth research on budget apps. In our study, we used ten distinct apps. For every app, Investopedia gathered and computed 28 criteria, yielding 280 data points. Each app was ranked and scored objectively using this data.
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