9 Smartphone Apps That Can Help You Manage Money Easier


Budgeting and saving money is never an easy task. Many people create budget plans for themselves and end up failing in the end and ruining their budget in the end. And sticking to a budget? Even more challenging.

Nowadays, there are a lot of factors that drive people to spend which ranges from compelling fast food chains to influential commercial establishments. Aside from that factor, unexpected circumstances that require financial attention may also play a part in making saving money harder than it already is.

However, in the age of technology, people create useful inventions in order to make life easier. Managing money, included. The following are the top smartphone apps that help budget and save money more easily.

For General Purposes

You Need A Budget

You Need A Budget or the YNAB, is a budgeting app that helps you create a budget and track daily expenditures. YNAB lets you connect to your accounts letting you review your financial dealings as you go along. However, the app doesn’t include other features like investment tracking and bill paying. It is a pure budgeting system for users who are meticulous and critical with how they budget their money.

YNAB encourages and motivates its users with a regularly updated blog and forum in order to see support first-time users of both the app and budgeting. Moreover, the mobile version connects to the desktop version which enables you to keep track of your financial records at home and on the go.

Price: $6.99/month billed annually

Promotion: Free trial for the first two months for new users

Platforms: Android, iOS, Desktop


The traditional and low-tech method of budgeting in the past is to allocate your money in envelopes that correspond to a certain expenditure. Mvelopes is its digital equivalent. It is a web-based personal finance software application that helps users control over finances by using the same technique that offers a method to budget money in customizable virtual “envelopes”.

Furthermore, this app has something traditional envelope budgeting can’t do. Mvelopes has a feature that allows you to link to your bank and credit card accounts for a continually updated look at your financial status. The app also has a desktop version that enables you to check up on your financial progress at home, on the go, on a small screen or on a big screen.

Price: Free to $59/month

Platforms: Android, iOS, Desktop


Mint is an automated mobile money manager and financial tracker app. You can link up all your financial accounts, credit cards, bills, and investments and it will track what you have and what you owe. The app helps you see where your money is spent giving you an idea on where to cut back unneeded expenses. Similar to YNAB but sports some investing and bill paying features that YNAB lacks.

The app also lets you create budgets that you can stick to along with suggesting a few budget suggestions based on your spending. Mint mobile also supports the use of the desktop version at their website which enables you to sync your bank accounts and information to your computer. This feature allows you to export your financial data to spreadsheets and other apps in the computer.

Price: Free(with in-app purchases)

Platform: Android, iOS, Desktop

For Grocery Expenses

Grocery iQ

Grocery iQ is an intuitive shopping list that allows you to build shopping lists quickly which saves you a lot of time and effort from wandering aimlessly in the grocery store. It sports a customizable list that can be arranged by categories along with a predictive search function from a database that includes millions of items.

Furthermore, you can now edit and arrange your shopping list with their desktop version. Grocery iQ also offers a coupon function that enables you to avail new coupons and save up time and effort as well as money at the same time.

Price: Free

Platforms: Android, iOS, Desktop


Did you know that there are apps that can get you to earn cash back for everyday purchases when you go grocery shopping? If you don’t, now you do. And it’s called Ibotta. Ibotta is a free mobile app that gives you cash rebates on participating store brands. This app lets you add rebates on products by completing simple tasks before you adding an item to your shopping list. The more rebates you add, the more cash you will have.

Not only this app serves as an alternative to couponing for people who don’t have time for those, this also makes you earn real money instead of points or virtual cash.

Price: Free

Platform: Android, iOS, Desktop

Savvy Advice: We highly recommend Ibotta! We have made close to $100 in just a few short months of signing up. Sign up and join our team to earn even more. 


Checkout51 is a cashback app that pays you rebates for shopping daily groceries similar to Ibotta. You get to browse products you want to shop for that offers rebates. After buying, you upload the receipt to show you’ve bought the featured items. Just take a picture of your receipt as proof that you’ve bought the offered products and you will earn cash.

Other than giving you cash back, take advantage of the opportunity to use your coupons with the app to save more.

Price: Free

Platforms: Android, iOS, Desktop

For Travel Expenditures


Having trouble with the bills while traveling with your buddies? With the mission to emphasize fairness in terms of debts and bills, Splitwise is there to help. Splitwise is an app that enables you to split bills with friends and family easily.

It organizes all your shared expenses and IOUs making it easier for everyone to see who owes who as well as how much does one has to pay for his share of the expense. Splitwise allows you to link to your Facebook account to add contacts for your transactions. The app also supports PayPal accounts to settle up payments automatically.

Price: Free

Platforms: Android, iOS, Desktop

Trail Wallet

Tired of dealing with scribbled notes and loose receipts? Sick of those complicated spreadsheets to track your travel expenses seem to suck out the fun of your traveling vacation? Then maybe Trail Wallet is what you need. Trail Wallet is a travel expense tracker for iPhone and iPad that enables you to manage your traveling documents much more easily.

The app allows you to add a purchase or expenditure and automatically suggests a budget of how much you will spend for a day. Another notable feature of the app is the ability to spread a large purchase over a number of days.

Price: Free for the first 25 items(with in-app purchases)

Platforms: iOS only

Trabee Pocket

But what about those traveling Android users? Don’t they have their own Trail Wallet too? They do in the form of Trabee Pocket.

Trabee Pocket is a travel budget manager/tracker that organizes your traveling budget and expenses easily. It can set exchange rates for multiple currencies and gives you a view of how much an item costs in your own currency. It is pretty similar to Trail Wallet but can run on both an iOS and an Android platform.

Price: Free(with in-app purchases)

Platforms: Android, iOS


Who said money doesn’t grow on trees? They don’t, realistically, but technically they do. They are seedlings planted in your workplace, watered and fertilized by your sweat, effort, and hard work. To avoid wasting your valuable attempts towards success, it is important to create a budget for yourself in order to manage your hard-earned money wisely as well as saving up.

However, there is a lot to consider whenever you are living on a budget and how difficult it is to economize almost everything at home you have just to extend the life of each dollar. Because of these helpful apps, you get to worry less about where will your money go and get to spend those free times with your family or just relax by yourself knowing your money is put to good use.

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What smartphone apps do you use to manage your money?