Best income and expense tracking apps for iPhone: Spendee, Mint, BUDGT, and more!

Best budget and expense tracking apps for iPhone: Spendee, Mint, BUDGT, and more!

The best income and expense tracking apps to help you manage your expenses, improve your financial position, and keep more cash in your wallet!

Budgeting and expense tracking might not sound sexy, but it's what lets us afford all the truly sexy things we love, including iPhones, iPads, and Macs. From bill payments to expense claims, budgeting for vacations and holidays, financial planning is all about making the most of what we make, and that's where apps can help!

The App Store is full of apps to help you manage your personal finances straight from your iPhone. Some apps just help track expenses, others can completely monitor your accounts and help get you back on track. Here's a broad selection of of my current favorites, the best personal money management apps the iPhone has to offer!

BUDGT

BUDGT for iPhone doesn't require you to give it any personal account information or login information, so it's simple to start and even simpler to keep using. Enter how much income you have or enter the amount of money you'd like to budget, it doesn't have to be all of it. Then start adding daily and monthly expenses.

If you don't like giving finance apps access to your sensitive banking information and just want to be able to better figure out where you stand, BUDGT is a great option. Of course, that also means BUDGT will work best for people who have a pretty good handle on their financial situation already.

Mint

If you want fine-tuned control over all your personal finance accounts in one app, Mint is a great option. You can link bank accounts and credit cards, and from there Mint will simply pull everything into one place to give you an overview of what 's coming in compared to what's going out. Mint lets you set up budgets in-app for different categories, and since Mint monitors your bank and credit accounts, it can notify you when you're nearing a limit.

As long as you're okay with giving a service access to your personal accounts, Mint the best choice for people that really need help staying on track with budgeting, with very little upkeep needed.

Check (formerly Pageonce)

Check, formerly known as Pageonce, is very similar to Mint in terms of functionality and feature set, but caters to a different kind of person. While Check imports a lot of the same information as Mint, it presents it in a different way and has more detailed options such as adding investments and checking and monitoring credit scores. Most of these additional features require a monthly subscriptions, but may well be worth it if you have a lot to manage.

If you are only concerned with budgeting your money and doing simple financial tasks, Mint or another app would be a better choice. If you're more concerned with monitoring credit or investments, Check is the best option available.

Spendee

Spendee is a brand new income and expense tracking app and, not only does it have a great interface, but it's ridiculously easy to use. Adding income and expenses can be done in very few steps, which makes entering things on a regular basis painless. Activities show up in a main feed so you can easily and quickly scroll through everything you've added. Likewise, the overview section gives you graphs you can scrub through to see where your money is coming from and where it's going. Underneath that you'll also see a breakdown on what you spend the most money on.

Because Spendee requires no personal information be given to set up and start using it, and it has an excellent and easy to use interface, it's the best choice for anyone new to personal finance apps, and anyone who wants to get started, and keep at it, with as little effort as possible.

Dollarbird

Dollarbird has a great interface, several really useful features, with lightning-quick system for expense and income entry. There's no personal information required in order to start using Dollarbird, no accounts to create or banking information required. The thing that makes Dollarbird unique is that it uses a calendar view as a grid system for tracking your balances. That means, at a glance, you can easily see on what days you spent the most money, and where your balance sits at any given time. Underneath the calendaryoul have a quick view of expenses for a particular day. Pulling down will launch the income and expense entry section. There are tons of categories to choose from and you can add your own whenever you want.

Dollarbird is a great option for people want quick and easy data entry and detailed financial information, and don't want or have the need to link personal accounts. If the calendar grid makes sense to you, Dollarbird will make sense to you.

Next

Next is the simplest version of an expense tracking app you're going to find. It doesn't track income at all, only expenses. Next works by giving you a block of pre-selected icons. Tap on one and create an expense for it. You can change the date in the calendar at the top by scrolling sideways. You can move the individual expense blocks around or change them into something else. Any category that currently has expenses associated with it will appear blue. Darker blue categories are the ones you spend more money on each month, while lighter colored blocks indicate less money spent. Swiping from side to side gives you breakdowns of what you're spending and where.

If you don't need to track your income and only want to see where your money is actually going, give Next a try.

Your picks?

We are aware that personal finances are just that, personal. Everyone has different needs and wants when it comes to managing their money. Let us know in the comments what apps you're using to budget, save, and track your income and expenses. How does it work for you and have you seen good results?

Allyson Kazmucha

Editor for iMore, Potter pundit, and the ninja in your iOS

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There are 36 comments. Add yours.

csd says:

The Personal Capital apps are the best ones I've ever used. I switched from Mint once I realized Personal Capital does most of the same, plus adds great portfolio evaluations and recommendations on how to save on fees, and proper mix of investments for my retirement plans. But it also lets me track my expenses, categories, etc.

Scott Sterling says:

Mint has become very good, but Personal Capital apps are very strong. I use both now, leaning more toward the latter.

rdstryr says:

BUDGT is awesome, I have been using it for the past 4 months and it has helped me save an average of $600 more every month. I really like that look of Spendee and I'm considering trying it out.

Piercey says:

My vote is for Check. I can pay all of my bills right from my phone. Which is very helpful when on the road.

ZeroLeonheart says:

I agree, Check is pretty awesome. I used Mint, but I found that it wasn't for me.

khobia2 says:

I like You Need A Budget(YNAB) myself.

GlowingBlue says:

YNAB is the one I use.

A lot of apps fail to address the main reason a lot of people look for budget / expense tracking apps. They want to get their finances under control.

Fully-automatic apps: (mint!)
It didn't really help me, in a sense that it did not make me spend consciously. I would spend, spend, spend and then I would just sort the categories at the end of the month and feel real guilty about my spending. It didn't make me think at the point of exchange.

Expense Tracking Apps:
Expense tracking apps made me aware of my spending. I was realizing how much ordering take out was costing and I took action. The problem with these single-focused tracking apps is that there's no "next step". I am aware of how I spend my money, I made some changes to save some money, now what?

Budgeting Apps:
These come into play when you are aware of your spending and want to make a change or perhaps keep a good thing going smoothly. The problem with most budgeting apps is that they assume we know the basics of budgeting.

I definitely did not, and I was very frustrated in the early days when numbers didn't add up, expense were missing, and some apps were very basic and didn't have any flexibility.

YNAB
Expense Tracking (mobile & Desktop)
Powerful budgeting software
YNAB's own methodology (whether you think you need one, worth a read)
Support community

=D

rodrigofp says:

I totally agree!
Also, I have a discount coupon for YNAB, it gives you $6 discount.
Just follow the link: http://ynab.refr.cc/PWKV443

MC Hampster says:

A huge second for YNAB. You need the desktop software (which comes in both Mac/Windows versions), as the mobile version is just about entering transactions, but their entire process is fantastic. In the year and a half since we've been using YNAB, our finances have completely turned around. Cannot recommend highly enough.

Sean Peters1 says:

What GlowingBlue said. YNAB is the way to go with this.

obimatt_kenobi says:

I've tried a few finance apps and the one that I find most useful and easy to use is iCanSpend. The voice input is surprisingly good too!

Corel8 says:

I've tried a number of Budget Apps, sometimes being Canadian makes the app less useful. I have been using HomeBudget by Anishu for months now and it works for me. They have a lite version that convinced me to buy the full version.

austriak5 says:

I like PocketMoney to keep track of my expenses. It is pretty simple to use and I like that it has iCloud backup in case anything happens to my phone.

Sent from the iMore App

dolphonna says:

I like MoneyWiz. I can sync it between all of my devices.

simplylaurakb says:

EZ Budget. It's an 'envelope budget' app and syncs between all of our devices and our iMac.

zgjie says:

Money Zen. It is just simple and powerful. Tagging expenses and incomes. With a virtual account called "Expense Account", (like budget, but powerful than budget), the money left over this month can spend in next month. It is the only app that I see in App Store that support store the money you would SAVE, and the money you would SPEND SEPARATELY.

jamesbrandon8 says:

I use Talygen(http://www.talygen.com) expense tracking app on my smartphone. It's a wonderful cloud-based expense trackers that do not cost as other Companies online.

Carol Kane1 says:

TALYGEN is really impressive; I have the same opinion as James. It's a smart app for iPhone.

iljsm says:

You should try Moneyger,
1.Easy to use
2.Fast transactions
3.Simple!

Available on appstore

ozxmin says:

Agh! Thanks neither Spendee or Dollarbird are budget apps, they are spend trackers! I just wasted my money.

carriesn says:

Im looking for an expense tracker app. However, I would like an app that allows someone else to see the expenses and add their expenses to the same 'budget'.

Anything out there like that? Reason-- I want to budget our spending money with my wife, and we both need to feed/see our expenses.

Fingers crossed :)

Nicholas sparks says:

Mint is more comfortable and preferable for me. It notifies me when my am nearing by budget. There are more apps available out there to track your expense and mint is a notifiable one. But it does not help to organize expense for our organizations. To say more, organizations need more complicated, customized app that has designed for those purposes. To share my experience with others here, I have found a time and expense tracking app for my iPad and iPhone last month which is really good enough to recommend. It has made my work easy and reduced my burden of tracking time and expense. I have found it from the company called karya technologies http://www.karyatech.com/industries/time-and-expense-management.html and it was worth a try. Thanks for giving this opportunity to share my experience to our community.

Francesca Capra says:

Any of these applications allow me to change currency between expenses?

jaffdevil says:

"Easy Spending Expense tracker provides ease of use and comfortable keying in of expenses quickly. It has backup and restore features, and reminders too ! It is available on the App Store https://itunes.apple.com/us/app/easy-spending-expense-tracker/id43723826...

ICMan2323 says:

Can anyone point out an app that works with Quickbooks but is a standalone app, and doesn't upload financial data to a web site?

If any financial tracking app does not export to most of the popular accounting software packages (Simply Accounting, Quickbooks, MS Money, etc, even AccPac), AND does not operate as a standalone app (ie, does NOT forward every intimate detail of your personal and business finances to some online provider where any hacker can look through your personal information at will), then it gets a 0 out of 5. Those two features are a base requirement, you don't even get reviewed by me unless they're there.

I don't understand why people think it's OK to upload every financial detail, including bank account numbers and personal information, to some fly-by-night online service provider like MINT or Expensify who have NO track record of trustworthiness or high security. I mean, if hackers can swipe credit card numbers from the networks of mega-retailers, banks, and credit card companies who have spent millions of dollars on their network security, and have teams of people monitoring their networks 24x7, how the heck is MINT or Speedex going to stop a hacker from stealing your data? Don't use them.

By the way, while I was writing this I found an expense/time/mileage tracking app that claims to have support for Quickbooks and is a standalone app. It's called iSlips, but it's expensive. Hopefully they have a try-before-you-buy mechanism. Cheers!

john norton1 says:

Budget Cash & carry best budget app for iPhone. This app shows you all, monthly income, expenses and savings in detail. And you can also see your budget statistics in details through graphs which gives you a clear view of your transactions and their breakdown into expense, income, category and budgetary changes.Available on: http://www.mobilemediacity.com/budget-cash-carry/

pocketapps_co says:

One of the most complexity of such app is their too much features to confuse. I love to use http://trackmybudget.pocketapps.co/ because of their simple UI design and most needed features to track income and expenses.

sabonge says:

Check out Budget Planner at www.mybudget-planner.com, lets you sync between ios, android and web, plus is the only app that helps you visualize your balance in a calendar. Currently in itunes -http://goo.gl/Cqm4SO and google http://goo.gl/WROA9V

HarshRajTechcronus says:

All the apps that you've mentioned above are good according to professional standards.The app market has revolutionized the market with apps for everything you can think of. Budget and expense management have always been a crucial sector in app market. We as Techcronus have posses experienced and young talented pool of people who expertise in mobile app platforms like iOS, Android, Windows, Blackberry. Reach us at .. http://www.techcronus.com/services/mobile-application-development.html

Carol Horton says:

Nice post. I personally love to use https://play.google.com/store/apps/details?id=com.mobyi.trackmybudget.mo... because of their multi account and auto SMS tracking features which makes the transaction entry process very smooth and easy.

hema pandey says:

Definitely a good time and expense tracking tool can be of great use and make all time management tasks hassle free. I would suggest Replicon's hassle free cloud based time tracking software - http://www.replicon.com/time-tracking-softwares.aspx

It's easy to export your time tracking info to QuickBooks, etc. and is pretty simple to use.