These days, there is an app for almost anything and everything. Apps have significantly streamlined our lives by enabling us to do everything from watching films to ordering food to paying bills. What if you could also log your expenses on a mobile app? Wouldn’t that be fantastic beyond words? Yes, without a doubt! Let’s look at such 8 best applications to manage your personal finances that will surely make it easy for you to keep track of your savings as well as expenditures.

Best Applications To Manage Your Personal Finances

Finances are a great part of everyone’s lives, so why not make the most of them and invest in yourself? Hence, to help you out, we have compiled some of the best apps to manage money and maintain healthy personal finances.


The well-known personal finance app from Intuit, Mint, shows you your entire financial picture in a single place. Mint gathers your transactions, groups them into categories, and displays how you spend your money after you link your credit and debit cards to your account. 

To keep track of your credit health, the site offers free access to your credit score as well as a summary of the components that go into it. Additionally, you may handle utility bills and keep track of your finances.

You Need a Budget (YNAB)

A personal budgeting app called YNAB is based on its Four Rules. You Need a Budget is also regarded as the best app to manage personal budget. The following rules not only assist you in creating a better budget but also in taking control of your expenditures:

  1. Give every dollar a job
  2. Embrace your true expenses
  3. Roll with the punches
  4. Age your money

To obtain a precise picture of your expenditures, import transactions from your checking account and apply them to each budget category. If you unintentionally go over budget (or under budget for a certain category), you can maintain a balanced budget by modifying the budget categories. 


Mobills is one of the best applications to manage your personal finances by categorising your expenses so you can keep tabs on how your spending compares to your allocated amount. The app shows you how much money is still available for each budget area so your expenses are controlled.

The interactive charts in the Mobills budget planning software let you analyse your financial situation and make modifications as necessary to achieve your longer-term financial objectives. By adding the details of your credit cards to the app, you’ll be able to see your current balance and spending limits in one place. One can also keep a track of when your bills are due by entering the monthly due dates.

The free version of this application has some functionality restrictions, however upgrading to the premium version will allow you complete access to all of the features. If you choose to pay for a full year, the Premium version is only $49.99.


With the Monefy application, keeping track of your daily expenses, bills, and anything else you spend money on has never been simpler or more relaxing. This makes Monefy one of the best apps to manage money.

More than just a money tracker, Monefy is a powerful money-saving app to help people manage their finances more efficiently.

Monefy keeps tabs on a user’s spending and assesses it against their monthly income and spending plan. Also, your monthly budget is well-managed with the help of this application. As a result, Monefy can also be termed as the best app for tracking expenses.


Walnut safeguards and automates the monitoring of your monthly expenditures. This application can help you stick to your spending plan, make on-time bill payments, and increase your monthly savings.

The Walnut application will assist you in tracking your monthly expenditures and savings by scanning the SMS messages in your phone’s inbox. Giving access to SMS functionality helps keeping track of important data like expenditures, bills, and even vacation reservations.

As an added benefit, eligible users can get personal loans as well as the ‘Walnut Prime’ benefit. The benefit gives an instant line of credit for shopping and bill payments.


Your entire financial needs can be met at Dhani, the best application to manage personal finance in India. With Dhani Wallet, you can handle all of your payments, take out personal loans, and instantly start a Demat/trading account. There are free games on Dhani where you can earn money.

Furthermore, Dhani Zone offers a fascinating place to listen to podcasts and audio stories on health and sleep. Thousands of shops all around the nation accept Dhani Rupay cards as payment. Due to a plethora of exceptional features, Dhani is one of the best applications to manage your personal finance.


The personal budgeting app Goodbudget is a money manager and expense tracker. The money management tool Goodbudget makes use of the envelope system.

This application helps you manage your finances by serving as a proactive budget planner. Additionally, having Goodbudget can helping you stay on top of your spending, bills, and budget. One of the apps to manage money in India, Goodbudget was designed for simple, real-time budget and financial management.


Splitwise is an ideal application for sharing expenses with friends, roommates, or anyone else. With the help of this app, you can add any form of expense, no matter how big or tiny, and then pay your debts. A pro edition version enables you to manage your costs effectively by scanning receipts, converting currencies, using graphs and charts, and much more.

Final Thoughts

The above-mentioned list of the “Best applications to manage your personal finances” has assisted users in saving thousands of dollars by encouraging them to make more thoughtful purchases. Therefore, it’s critical to comprehend your financial objectives and use the appropriate application to achieve them.

Also Read:

Top 7 money earning apps in India- Start Earning now!
Top reasons why it is important to manage your personal finances correctly
7 Best YouTube channels to learn stock market in India

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