Budgeting can feel overwhelming to most people, especially with prices going up day-by-day (Inflation), having loans, and the urge to spend money. But if you learn to budget smartly, it becomes easy to control your spending and it can really help improve your lifestyle.
In this article, we will look at some of the Best Budgeting Apps in USA 2025, and explain what they offer, how they help, and how much they cost.
What’s the Use of Budgeting Apps?
Before diving into the best budgeting apps list, here’s the use of budgeting apps and why these apps are so useful:
- Track Spendings: It automatically puts your spending into different categories and keeps the track of every dollar you spend.
- Set Goals: It helps you save money for important things like emergencies, groceries, childcare etc.,
- Give a Reminder: It reminds you when your bills need to be paid and shows your total money and assets in one place.
- Give Insight: It helps you see how much money you earn, how much you spend, and how much you own, all in one place.
Now, let’s take a close look at the best budgeting apps you can use in the USA.
Best Budgeting Apps in USA 2025
Mint
Mint is a very popular and user-friendly budgeting app in the USA. It is free and great for beginners who want a simple way to keep track of their money and spending in one single place.
Key Features:
- You can link your bank account, credit cards, and loans with this app easily.
- You can track your spending and put your spending in different categories automatically with the help of this app.
- It reminds you to pay your bills before due time and lets you check your credit score.
- It gives you budget tips based on how you spend your money and pay your bills.
Mint is free and simple to use. It is a perfect start for beginners who want to quickly see and understand their money wisely.
Platforms: Android, iOS, and Web.
YNAB (You Need a Budget)
YNAB is more than just an app for budgeting, it is more advanced and teaches you how to plan your spendings and manage every dollar you have.
Key Features:
- You can give every dollar a job, like saving, spending, or paying bills, so no money is left unused and most importantly, no money gets wasted. It is called the Zero-based budgeting method.
- It helps you keep track of your progress when saving money or paying off debt.
- It syncs your spending data on the spot and works on all your devices at the same time.
- YNAB also offers videos and workshops to help you learn how to manage your money better.
So, it helps you plan your money instead of just dealing with problems. If you really want to improve your finances, YNAB is worth a try.
Price: $14.99/month or 99$/year. They offer you a 34 days free trial and after that you have to pay.
Platforms: iOS, Android, Web.
EveryDollar
It is created by financial expert Dave Ramsey and it uses the zero-based budgeting method and is a great budgeting app for the people who follow the “Baby Steps” approach to plan their budgeting and become financially free.
Key Features:
- You can track your spendings manually or automatically.
- You can plan how much to spend each month and set goals for saving money.
- It is simple to use and has clear, easy to read design, i.e., user friendly design.
- It links to your banks easily and you can track your spending and balance right away. But this function is available in paid version only.
So, this app is easy to use and perfect for people who want to manage every part of their spending.
Price: Free for manual tracking and $79.99/year for automatic, bank sync and more extra features.
Platforms: Android, iOS, Web
PocketGuard
This app is best known for preventing overspending and great if you often think about the thing you can afford or not. It shows how much money you have left after paying bills and savings, so you don’t spend too much.
Key Features:
- It shows how much money you can spend by offering the “In MyPocket” feature.
- It automatically categorizes your different types of expenses easily.
- It tracks all your subscriptions and finds a way to save money from those overspending subscriptions.
- It uses strong security like banks and keeps your information and data safe in one place.
PocketGuard helps you avoid overspending while giving real time information about your financial health.
Price: Free basic version and PocketGuard plus starts at $7.99/month.
Platforms: iOS, Android.
Goodbudget
If you like the old-school method of budgeting, where you used to split your cash for different needs, then Goodbudget lets you do that on your smartphone or computer.
Key Features:
- It works on many devices, so your whole family can use it to manage the budget together.
- You can also track your expenses manually.
- It is ideal for couples or families who live together.
- It offers an envelope-based budgeting system.
Goodbudget is great for people who want to carefully plan how they spend money and use every dollar wisely.
Price: Free basic plan with limited features and plus plan with $8/month or $70/year with premium features.
Platforms: Android, iOS, Web.
Empower (Formally Personal Capital)
Empower is perfect for you if you want more than just budgeting. It helps you control spending and also keeps track of your investment and retirement money.
Key Features:
- It helps you plan your budget and keeps track of what you spend.
- It calculates your net worth, like how much money and things you own, minus what you owe.
- It gives you retirement planning tools, which help you prepare and save money for when you stop working.
- It shows you how well your investments are doing.
So, it is great for people who earn a lot or want to plan for the future. It shows you a complete picture of your money and finances.
Price: Free but some tools are tied to investment management services.
Platforms: iOS, Android, Web.
How to Choose the Right Budgeting App?
Here are a few tips to help you choose the right budgeting app, so that you can manage your money wisely and reach your financial goals easily.
1. Set Your Goals
Always set your goals. Some apps focus on daily budgeting, while others also help you track investments and plan for your future goals.
2. Ease of Use
Choose an app that is easy to use and understand. This way, you will use it more often.
3. Security
Always make sure the app has strong security and privacy policies like the bank. Use strong password and two factor authentication.
Conclusion
Using a good budgeting app is a smart way to take care of your money easily. It shows where your money is going, helps you save, and plan your future.
To conclude the best budgeting apps in USA, here’s a quick comparison:
| App Name | Best For | Price |
| Mint | Beginners | Free |
| YNAB (You Need a Budget) | Habit Building & Planning | $14.00/month |
| EveryDollar | Simplicity & Baby Step Approach | Free + $79.99/year |
| PocketGuard | Avoiding Overspending | Free + $7.99/month |
| Goodbudget | Envelope-Budgeting | Free + $8/month |
| Empower | Budget & Investment both | Free |
Know someone who needs to know about the best budgeting apps in the USA tips? Share it with them! And drop your thoughts in the comment section. We’d love to hear from you and keep the conversation going!