Budgeting has become a critical tool for managing personal finances, especially in 2025, where technology has made it easier than ever to track expenses, set goals, and save money. Whether you’re an individual looking to manage monthly bills, a freelancer juggling irregular income, or a family planning for future expenses, there’s a budgeting app out there tailored to your needs.

To help you find the perfect fit, we’ve rounded up the top budgeting apps for 2025. Each of these apps stands out for its features, pricing, and user-friendliness. No matter your financial objectives, these apps can help you take control of your money.

1. Mint

Mint remains a frontrunner in the budgeting app world, and it continues to thrive in 2025. Known for its simplicity and all-in-one approach, Mint is an ideal app for anyone looking to get a comprehensive overview of their finances.

Features:

  • Automatic syncing with bank accounts, credit cards, and loans to track spending in real-time.
  • Budgeting tools that allow you to categorize expenses and set limits for each category.
  • Free credit score monitoring built right into the app.
  • Detailed alerts for bill due dates, unusual spending, and low balances.

Price: Completely free, with optional paid features like premium insights and ad-free experiences for $4.99/month.

Best For: Individuals or families who want a free, user-friendly app to track expenses and manage bills effortlessly.

2. You Need a Budget (YNAB)

YNAB has dominated the zero-based budgeting market for years, and it remains a top choice for financial goal-setters in 2025. It’s perfect for those who want to assign every dollar a purpose, ensuring no penny is wasted.

Features:

  • A zero-based budgeting approach where every dollar is allocated to a specific goal, bill, or expense.
  • Real-time syncing across devices for household budgets or collaborations with a partner.
  • Robust reporting features that provide insights into your financial progress and habits.
  • User-friendly tutorials and educational resources to help sharpen budgeting skills.

Price: $14.99/month or $99/year, with a free 34-day trial available.

Best For: Detail-oriented individuals or families who want a structured and proactive approach to their money.

3. PocketGuard

For anyone looking for a budgeting app that simplifies expense tracking without overcomplicating the process, PocketGuard is a standout. It’s a great tool for people who want to make the most out of their disposable income.

Features:

  • Automatic analysis of income, bills, and everyday spending to show how much is safe to spend.
  • A customizable “Spending Pocket” feature that helps users focus on discretionary spending.
  • Easy bill tracking to ensure payments don’t fall through the cracks.
  • Savings goals that users can fund based on remaining monthly income.

Price: Free basic version, with a premium option at $4.99/month that includes custom tags and more detailed budgeting tools.

Best For: Busy individuals who want a no-nonsense app to understand their cash flow instantly.

4. Goodbudget

Goodbudget is based on the classic envelope budgeting system, where you allocate money to digital "envelopes" for each category of spending. It’s a refreshing way to plan your spending without syncing to your bank accounts.

Features:

  • Digital envelopes that help manage categories like groceries, transportation, and savings.
  • Shared budgeting options for couples or roommates managing shared expenses.
  • Interactive reports to see expenses versus income trends over time.
  • Manual entry for transactions to give users complete control over their data.

Price: Free for up to 20 envelopes or $8/month (or $70/year) for unlimited envelopes and advanced, family-friendly features.

Best For: Couples or families who like the envelope budgeting method and prefer not to link their financial institutions.

5. Wally

Wally has gained traction in 2025 as a visually appealing app that combines expense tracking, financial management, and detailed analytics. It’s ideal for users who want an app loaded with visual insights.

Features:

  • Global currency support, making it a great companion for frequent travelers.
  • Expense tracking with the ability to upload and categorize receipts.
  • Monthly budgeting tools with customizable categories.
  • Analytics that show spending patterns and trends over time.

Price: Free with optional in-app purchases for premium features like collaborative budgets or advanced analytics.

Best For: Individuals who want their financial data presented in visually intuitive dashboards.

6. Qapital

Qapital takes a creative approach to savings, helping users build positive financial habits by gamifying the process. It’s perfect for those who struggle to save money consistently.

Features:

  • Savings rules like rounding up purchases or setting automatic deposits based on specific triggers.
  • “Dream Team” groups for collaborative saving toward shared goals, like trips or weddings.
  • Comprehensive money management tools, including budgeting and investing.

Price: Starts at $3/month for the basic plan, with higher-tier plans offering investment options and financial coaching.

Best For: People who want to save with intention and creativity.

7. Honeydue

Designed for couples, Honeydue helps partners track shared expenses and manage their finances as a team. Communication is at the heart of this app.

Features:

  • Automatically syncs with bank accounts, credit cards, and investments for a shared financial overview.
  • Bill reminders to ensure you’re on top of shared obligations.
  • Category and spending limits to align financial habits with mutual goals.

Price: Free, but tips are suggested to support development costs.

Best For: Couples looking to improve transparency and teamwork in managing their finances together.

8. Zeta

Another app tailored for couples, Zeta simplifies money management for any stage of your relationship, whether you’re just starting out or saving for major life milestones.

Features:

  • Joint and individual expense tracking for a detailed breakdown of “yours,” “mine,” and “ours.”
  • Shared financial goals, such as saving for a house or planning a wedding.
  • Real-time syncing for transparency on all shared and individual accounts.

Price: Free, with no hidden costs.

Best For: Couples who want to manage finances effectively while maintaining individual autonomy.