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Top 10 Finance Tracking Apps for 2023

Best Finance tracking apps
Photo Credit: Pexels

In today's fast-paced digital world, managing your finances has never been easier. With the abundance of finance tracking apps available, you can keep a close eye on your income, expenses, and investments right from your smartphone. Whether you're a budgeting beginner or a seasoned investor, there's an app for everyone. In this article, we'll explore the top 10 apps for tracking your finances in 2023, so you can take control of your financial future.

1. Mint 

Mint is a household name when it comes to personal finance management. This app offers a comprehensive overview of your financial health, allowing you to track expenses, set budgets, and monitor investments in one place.

Major Features: 

Expense tracking, budgeting, bill reminders, investment tracking, credit score monitoring.

Pricing: Free.


User-friendly, comprehensive financial overview, alerts for unusual account activity.


Ad-supported, some users may have concerns about data security.

2. Personal Capital 

Personal Capital is perfect for investors looking to get a holistic view of their financial portfolio. It offers a wealth of features, including retirement planning and investment tracking.

Major Features:

 Investment tracking, retirement planning, net worth analysis, expense tracking.

Pricing: Free for basic features, paid advisory services available.


Great for investors, in-depth financial analysis, retirement planner.


Limited budgeting features in the free version, some features require a paid subscription.

3. YNAB (You Need a Budget) 

YNAB is known for its zero-based budgeting approach. It helps you give every dollar a job and stay on top of your expenses, making it a great choice for budget-conscious users.

Major Features:

 Zero-based budgeting, goal tracking, expense categorization.

Pricing: Monthly or annual subscription fee.

Pros: Excellent for budgeting, proactive approach to managing money.

Cons: Subscription fee required, may have a learning curve.

4. PocketGuard 

If you're looking for an app that simplifies budgeting, PocketGuard is a great option. It automatically categorizes your transactions and provides insights into your spending habits.

Major Features: 

Automatic expense categorization, bill tracking, budgeting.

Pricing: Free with a premium subscription option.

Pros: Simple and intuitive, automatic categorization.

Cons: Premium features are paid, lacks advanced investment tracking.

5. Acorns - 

Acorns takes a unique approach to saving and investing. It rounds up your everyday purchases to invest the spare change, making it an excellent choice for those who struggle to save.

Major Features: 

Automated savings, round-up feature, investment portfolios.

Pricing: Monthly subscription fee.

Pros: Easy way to start investing, automatic savings.

Cons: Subscription fee, limited control over investments.

6. Simplifi by Quicken - 

Simplifi is a user-friendly finance tracker that helps you visualize your financial goals and track your spending. It's particularly useful for those who value simplicity and ease of use.

Major Features: Expense tracking, budgeting, goal setting.

Pricing: Subscription fee.

Pros: User-friendly, goal-oriented approach.

Cons: Subscription required, not as feature-rich as some competitors.

7. Expensify - 

Expensify is designed for business professionals and frequent travelers. It simplifies expense tracking and reporting, making it a go-to app for managing business expenses.

Major Features: Business expense tracking, receipt scanning, reporting.

Pricing: Subscription fee based on the number of users.

Pros: Great for business expenses, receipt scanning.

Cons: Primarily for business use, may not be suitable for personal finance.

8. Wally - 

Wally is an expense tracker that offers detailed insights into your spending habits. It's a great choice for those who want to understand where their money is going.

Major Features: Expense tracking, budgeting, insights.

Pricing: Free with a premium option.

Pros: Clean and simple interface, insights into spending.

Cons: Some features are behind a paywall, not as feature-rich as others.

9.Goodbudget - 

Goodbudget is ideal for couples or families who want to budget together. It uses the envelope budgeting method to allocate funds for different categories.

Major Features: Envelope budgeting, expense tracking, shared budgets.

Pricing: Free with a premium subscription.

Pros: Ideal for shared budgets, envelope budgeting method.

Cons: Limited features in the free version, subscription for advanced features.

10. Credit Karma - 

Credit Karma not only tracks your finances but also provides free credit monitoring and credit score information. It's a valuable tool for those looking to improve their credit health.

Major Features: 

Credit monitoring, credit score tracking, expense tracking.

Pricing: Free.

Pros: Excellent for credit monitoring, free to use.

Cons: Focus on credit may overshadow budgeting, some may have data security concerns.

Choosing the right finance tracking app depends on your specific financial goals and preferences. Whether you're saving for a big purchase, managing investments, or simply trying to get a handle on your day-to-day expenses, one of these apps is sure to suit your needs.


These top 10 finance tracking apps for 2023 can help you take control of your financial future. By harnessing the power of technology, you can easily manage your money, save more, invest wisely, and work towards achieving your financial goals. So, don't wait – start tracking your finances today and embark on your journey to financial success.

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