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The 5 Best Financial Apps To Help You Get Money In The Bank This Year

Emma Loewe
mbg Senior Sustainability Editor
By Emma Loewe
mbg Senior Sustainability Editor
Emma Loewe is the Senior Sustainability Editor at mindbodygreen and the author of "Return to Nature: The New Science of How Natural Landscapes Restore Us."
Image by I. C. / Twenty20
January 30, 2019

These days, there's an app for just about everything. The over 2 million now available for download on Androids and iPhones run the gamut from weird to useless to kind of brilliant. (Within two minutes of looking through the App Store, I just discovered a virtual pimple popper, a communication platform for parents and teachers, and an app that can somehow blow out a candle for you.)

Personal finance and budgeting apps certainly fall into the "useful" category, and there's been an influx of them over the last few years. These apps cater to people looking for a little extra support and accountability on their financial journeys, whether that means prompting them to track spending or setting aside part of their paycheck automatically. Here are five for every type of spender and saver.

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If you're looking to take an epic vacation come September: Qapital

Under the leadership of behavioral economist Dan Ariely, Qapital prompts users to save for a specific purpose, say a vacation or concert tickets. It operates off the idea that you're more likely to want to put aside money for something you're really excited about. To reach these goals, the app lets you choose between features like "Roundup Rule," which rounds up to the nearest dollar every time you make a purchase and puts the extra change aside, and "Payday Rule," which saves a percentage of every paycheck. The monthly fee is $3.00 for the basic service, and it goes up to $12 for the master plan, which includes access to special webinars and in-app challenges.

If you want to stop blowing all your money on nice dinners out: Mint

Mint is one of the most data-heavy finance apps out there, and its weekly email reports will flag unusual spending, alert you when large sums go in and out of your accounts, and suggest new credit cards. The app's weekly recaps depict how much you spent across different categories like food, rent, and travel in a pie chart. It's super helpful, especially if you're a visual person. Bonus, it's free.

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If you want to stay on top of that budget you just made for yourself: Wally

Once you've created a budget for yourself, Wally helps you stick to it. It's a nice option for people who are diligent enough to manually add every expense they make (it's not connected to any bank accounts, so the accountability is on you) and want to always know where they stand. The free app also has a review section that paints a broad-strokes picture of your spending history and habits.

If you want to unsubscribe from all those unnecessary bills you're paying: Clarity

If you've ever genuinely wondered where all your money went, it might be time to do an audit of your recurring payments. All those $2.99 monthly subscriptions you forgot about do add up in the end, and Clarity can help you find and cancel them easily. Like some of the other apps mentioned, the free app, which was recently acquired by Goldman Sachs' high-interest online consumer bank Marcus, also gives suggestions on where you can be saving more.

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If you want to invest but don't know where to start: Acorns

Like Qapital, Acorns can automatically rack up your savings by taking a percentage out of paychecks or rounding up on expenditures. But from there, it invests that money into the market for you after learning a little bit about your risk tolerance. The service is free to college students and $1 per month from there.

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Emma Loewe
Emma Loewe
mbg Senior Sustainability Editor

Emma Loewe is the Senior Sustainability Editor at mindbodygreen and the author of Return to Nature: The New Science of How Natural Landscapes Restore Us. She is also the co-author of The Spirit Almanac: A Modern Guide To Ancient Self Care, which she wrote alongside Lindsay Kellner.

Emma received her B.A. in Environmental Science & Policy with a specialty in environmental communications from Duke University. In addition to penning over 1,000 articles on mbg, her work has appeared on Bloomberg News, Marie Claire, Bustle, and Forbes. She has covered everything from the water crisis in California to the rise of urban beekeeping to a group of doctors prescribing binaural beats for anxiety. She's spoken about the intersection of self-care and sustainability on podcasts and live events alongside environmental thought leaders like Marci Zaroff, Gay Browne, and Summer Rayne Oakes.