Tracking your money is no easy feat. Between student loan payments, credit card bills, taxes, and more, managing your finances can seem like a part-time job. Reclaim your free time and take the stress out of your finances with these convenient money apps.
If you’re ready to simplify your money management, these apps allow you to automate your budget, track your spending habits, and even file your taxes.
6 useful money apps
Simple offers the best of both worlds: It’s a bank and budgeting tool all in one. Simple will deposit your cash with one of their partner banks, then send you a debit card to access it.
Once your account is set up, you can use the app’s built-in budgeting tools to manage your money. Allocate your cash into digital envelopes to tackle regular bills, view detailed spending reports, and instantly see how much money you have left to spend — the app takes your goals and regular bills into account before telling you what cash is safe to use.
Simple is free to use (though you may encounter ATM fees if you withdraw cash at an out-of-network machine). All of your deposited funds are insured by the FDIC.
Another goal-oriented money app, EveryDollar allows you to keep track of your entire financial life. Create a budget, enter your transactions, and start tracking your overall net worth.
EveryDollar is famous for its extensive budgeting and goal features, and is based on Dave Ramsey’s popular methods of getting out of debt and building wealth. The app uses helpful visuals, which means no more dull spreadsheets or complicated math.
The basic features described above are completely free to use. For $10 a month, however, you can upgrade to an EveryDollar Plus subscription. Link your bank and credit card accounts so spending is automatically tracked, plus get access to coaching calls when you need help.
If you prefer a simpler way to budget, try Daily Budget. One of the simplest money apps out there, Daily Budget calculates — you guessed it! — your daily budget, based on your income and fixed expenses.
Whenever you make a purchase, enter it into the app. It will automatically deduct that amount from your daily spending allowance, and you’ll always know how much you have left to spend. Spend less today to have a bigger budget tomorrow, or set up goals to save for big buys.
This app is a good choice for those who need daily reminders to keep them on track. Monthly budgets are useful, but breaking down your spending into daily increments can make it simpler to spend smarter.
Wish you could afford a personal finance coach? Penny can help get your accounts in order for free.
Chat with Penny for help tracking your income and spending. The app accesses your bank statements to let you know how things are looking this month, what your financial forecast is for the next week, what bills are due, and can even find services and subscriptions you don’t use.
If you prefer a more relaxed approach to budgeting, Penny might be for you. Rather than limiting yourself to specific spending amounts in various categories, this app can point out your spending habits (like how many times you stopped in at Starbucks last week) to help you rein in frivolous purchases.
5. H&R Block Tax Prep
If you want to get your taxes done as painlessly as possible, file your taxes on the go with this app from H&R Block. Take a picture of your W-2 and upload deductible receipts to begin the process of filing your taxes immediately.
Your information is stored in your account, so you can start and stop working on your taxes when you need to. The app is free to download and offers step-by-step guidance when you’re ready to file.
Intuit offers its own filing app with TurboTax. The checklist process allows you to quickly choose your filing status, take pictures of income documents, and start the tax filing process.
TurboTax also seamlessly syncs with other Intuit products such as Mint. Stumped on a tax question? You can connect with an expert right in the app.
When searching for money apps that help you manage your finances, look no further than these six options. These apps have a good reputation for helping customers streamline their budget, save more money, and grow their net worth.
Want more financial apps to help you save? Check out these 8 mobile apps to stash more cash.
Interested in refinancing student loans?Here are the top 6 lenders of 2018!
|Lender||Variable APR||Eligible Degrees|
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 6.97% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 6.30% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at firstname.lastname@example.org, or call 888-601-2801 for more information on ourstudent loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
2 Important Disclosures for Laurel Road.
Laurel Road Disclosures
APR stands for “Annual Percentage Rate.” Rates listed include a 0.25% EFT discount, for automatic payments made from a checking or savings account. Interest rates as of 11/8/2018. Rates subject to change.
Variable rate options consist of a range from 3.27% per year to 6.09% per year for a 5-year term, 4.64% per year to 6.14% per year for a 7-year term, 4.69% per year to 6.19% per year for a 10-year term, 4.94% per year to 6.44% per year for a 15-year term, or 5.19% per year to 6.69% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.27% per year to 6.09% per year for a 5-year term would be from $180.89 to $193.75. The monthly payment for a sample $10,000 loan at a range of 4.64% per year to 6.14% per year for a 7-year term would be from $139.65 to $146.76. The monthly payment for a sample $10,000 loan at a range of 4.69% per year to 6.19% per year for a 10-year term would be from $104.56 to $111.98. The monthly payment for a sample $10,000 loan at a range of 4.94% per year to 6.44% per year for a 15-year term would be from $78.77 to $86.78. The monthly payment for a sample $10,000 loan at a range of 5.19% per year to 6.69% per year for a 20-year term would be from $67.05 to $75.68.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
3 Important Disclosures for SoFi.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.
All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.28% effective October 10, 2018.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.47% – 6.99%3||Undergrad & Graduate|
|2.47% – 6.30%1||Undergrad & Graduate|
|2.51% – 8.09%4||Undergrad & Graduate|
|3.02% – 6.44%2||Undergrad & Graduate|
|2.69% – 7.21%5||Undergrad & Graduate|
|2.79% – 8.39%6||Undergrad & Graduate|