10 Best Money Management Apps For Android & iOS in 2022

Trying to find the best money management apps for your Android or iOS device? Look here as we inspect the industry's best offers.

Money manager apps make it easy to handle your finances from the comfort of your Android or iOS smartphone.

There are many reasons why you may need to get your finances in order – from saving for a rainy day to paying off debt, managing a business, buying a car, and so on.

Most of these apps also go beyond simple money management. They offer automation features such as syncing with your bank account, offering special accounts, foreign currencies, and extra services for different user groups.

In this post, we will look at the top money management apps for Android and iOS devices out there. And point out their most useful features to help you make the right choice.

Best Android & iOS Money Managers

NameBest ForPlatformPriceWebsite
YNABOverallWeb, iPhone, Android$15/m, $99/yearyouneedabudget.com 
MintCustomizationsAndroid, iOS, webFreemiummint.intuit.com 
MonefyFree appAndroid, iOSFreemiummonefy.me
Pocket GuardSpending TrackingAndroid, iOSFreemiumpocketguard.com
AndroMoneyAndroidAndroid, iOS, webFreemiumweb.andromoney.com
EveryDollarBudgetingAndroid, iOS, webFreemiumramseysolutions.com
ZetaCouplesAndroid, iOSFreeaskzeta.com
Personal CapitalInvestorsAndroid, iOSFreemiumpersonalcapital.com
WallyEase of Use, cryptoAndroid, iOSFreemiumwally.me 
Google SheetsGeeks, FreeAndroid, iOSFreesheets.google.com

1. YNAB

Pros: Tried and proven system, flexible

Cons: No free plan

Download: Android Link | iOS Link

YNAB stands for You Need A Budget. And just as the name suggests, this system aims to help you gain total control of your finances by helping you to save, get out of debt, and quit living from paycheck to paycheck.

You Need A Budget system is founded on 4 principal rules to help turn even the most undisciplined spender into a responsible adult with complete control of his finances. These rules are:

  1. Give every dollar a job – create a budget that helps you allocate your income.
  2. Embrace your true expenses – break down large infrequent expenses.
  3. Roll with the punches – be flexible with overspending and address it as it happens.
  4. Age your money – learn to spend money that is at least 30 days old.

YNAB comes with a 34-day free trial, but there is no free plan. The system costs $14.99 per month or $98.99 per year. But its main benefit is following a system that is proven to help new budgeters save an average of $600 in their first 2 months. Or over $6,000 in their first year.

You can get YNAB for the web, the iPhone, Android devices, Alexa, iPad, and the Apple Watch.

2. Mint

Pros: Customizable features, secure, popular

Cons: Ad-supported

Download: Android Link | iOS Link

Mint is a free money management app from Intuit, the makers of QuickBooks and other accounting software. It has a base of over 30 million users and offers top-of-the-line security features.

This app helps you to manage your finances by budgeting, tracking your spending, detecting fraud, managing subscription costs, creating custom savings goals, and even monitoring your credit score.

Mint is an ad-backed free app for the web, Android, and iOS platforms. And you can remove the ads for $0.99 per month. 

But with the premium version for $4.99 per month, you can get rid of the ads and further unlock more features like spending projections and daily updates on your spending habits.

The app is rated 4.5 Stars on the Play Store with over 200,000 reviews and 10 million installs. It is rated 4.8 on the Apple App Store and needs iOS 13 and later to run.

3. Monefy

Pros: Easy to use, intuitive design, free app

Cons: No account tracking

Download: Android Link | iOS Link

Monefy is a money management system that is available for iOS and Android devices. You use it to track your expenses by simply making entries whenever you spend money. So, you can later analyze your spending.

Monefy comes with many features, including fast taps to quickly add new records, easy synchronization with your Google Drive or Dropbox accounts, recurring payments management, easy-to-digest analytics of your spending habits, and so much more.

This app has over 5 million installs on the Google Play Store and it needs just Android 4.4 and later to run. On the App Store, it requires iOS 11.2 or later for iOS and iPod Touch devices.

This money manager is a freemium offer. You can download it and use the basic version for free. And if you want more features, then you can always upgrade to the premium version.

4. Pocket Guard

Pros: Extensive features, good tracking options

Cons: Data export needs a premium plan

Download: Android Link | iOS Link

The Pocketguard budgeting app offers everything from money management and spending categorization to fraud prevention. It is designed for iOS and Android devices and comes with many helpful personal finance features.

Pocketguard helps to guard your money by helping you to first set aside funds for bills, projects, and other necessities. Then you can take things easy with what’s left by categorizing and monitoring your expenses.

Its simple and clear user interface shows you everything at a glance. You can see your upcoming bills, analyze the percentage of your earnings that each expense is taking up, and link all your bank and credit card accounts in one place.

Pocketguard requires Android 6.0 and up on the Play Store. And for iOS, you will need version 11.0 and later. It comes with bank-level security and uses both PIN codes and biometrics like Face and Touch ID for identification. 

Though the app is free, there is also the Pocketguard Plus premium plan for $7.99 per month. This plan allows you to create new categories, plan debt payoffs, export transaction data, split a transaction into multiple categories, and more.

5. AndroMoney

Pros: Free versions, detailed reports, 10+ languages

Cons: Ads on the free version

Download: Android Link | iOS Link

AndroMoney is available for Android and iOS devices, as well as on the web. Its main features are an intuitive interface that is easy to use and a versatile accounting system.

This app lets you manage your finances easily by providing account balance and multiple accounts support, syncing with other devices, cloud storage, multiple currency support, password protection, and a range of chart analytics features.

AndroMoney offers an intuitive expense selection that saves you time. There is category and account management, plus syncing across platforms. But the app is ad-supported, so you will have to bear it. Else, you can always get the PRO version that comes without ads for $1.99.

AndroMoney is available in over 10 languages, including English, German, Italian, Greek, and so on. It has seen over 1 million installs from the Google Play Store and requires Android 4.1 upward.

6. EveryDollar

Pros: Quality educative material, easy-to-use system

Cons: Extra features require payment

Download: Android Link | iOS Link

EveryDollar is a zero-based budgeting tool that lets you manually input and track your monthly expenses. Being zero-based means that every dollar is assigned to a spending category.

The app works by letting you first enter all your income for the month and plan where every dollar should go. Then as you track your expenses, it will keep things updated and show you what is happening.

You can also create new categories or tweak existing ones. You can easily enter expenses, split receipts, and set due dates. Plus EveryDollar makes it easy to pay off debts and save up for big purchases like holidays, a new car, and so on.

EveryDollar is free to use on iOS, the web, and Android devices. And if you want the app to connect to your bank automatically and for more courses to help you learn budgeting and money management, you can opt into the Ramsey+ program for $130 per annum.

7. Zeta

Pros: Designed for couples, secure, privacy features

Cons: Not for everyone

Download: Android Link | iOS Link 

Few things destroy relationships like money problems, and that’s where Zeta comes in. Zeta is a money manager app for couples that aims to help relationships thrive.

This design makes the app understandably unique because it focuses on issues that most other money management apps overlook or do not bother about.

Zeta is free and available for Android and iOS devices. It tracks your money together, helping you to improve your relationship’s communication. You can budget together, split expenses, and share bills with ease.

The app also lets you manage your net worth, and it gives you privacy control options, allowing you to share as little or as much as you like about your finances with your partner.

8. Personal Capital

Pros: Free money manager, investment features

Cons: Not for everyone

Download: Android Link | iOS Link

Designed for those who want to keep a tab on their finances, while managing or growing their different investments, Personal Capital is another unique app on this list.

It lets you monitor all your investments in one place with its portfolio tracker. So, in addition to your bank accounts, you can see your stocks, retirement funds, and other investments at a glance.

Personal Capital also comes with a retirement planning tool, great for those who want to secure their future with a solid plan. Plus, it makes it easy to become an investment client, if you need more services.

This app is rated 4.3 on the Google Play Store from over 16,000 reviews and 500,000 installs. It runs on most Android devices, starting from version 4.4 and up. And for iOS, you will need version 12.0 and later.

9. Wally

Pros: Easy to use, extensive features, crypto tracking

Cons: Confusing premium options

Download: Android Link | iOS Link

Wally is an easy-to-use but very powerful money manager app. It lets you add your category-based expenses, split bills with groups or without, and easily track your monthly expenses for free.

You can track all your account balances in real-time on Wally with automatic syncing. And this includes foreign accounts from over 15,000 banks in 70+ countries for premium users and even crypto holdings.

Wally can show you up to 2 years of your spending insights and syncing is free for unlimited accounts. Then there are categories, charts, planning, and easy ways to document receipts for each transaction.

The premium plan offers custom budgeting, currency conversions, data exports, joint accounts, foreign accounts, and data exports. It starts from $8.99 monthly and you can also pay $39.99 per annum or $99.99 for a lifetime license.

10. Google Sheets

Pros: Flexible, powerful, free

Cons: Not a traditional app

Download: Android Link | iOS Link

The sad reality with geeks is that no system is ever perfect – there is always room for improvement, something needs changing, and so on.

So, if you are one of those who can never seem to find the perfect system. While at the same time, you are not interested in creating a custom app, then how about Google Sheets?

It comes free with every Google account and can handle insane amounts of data. Google Sheets is programmable, and you can even build custom interfaces using Google Forms and add plenty of functionality to it.

For those feeling lazy, there are a ton of free spreadsheet templates on the web, for everything from expense tracking to running a business, managing projects and payrolls, calculating solar generation, calendars, invoicing, and countless budget planning templates.

Google Sheets is powerful and you can do lots of powerful stuff with it. So, if you are the type that likes to keep things simple but flexible, then definitely check it out.

Conclusion

We have reached the end of this list of the top money manager apps for the Android and iOS platforms. And you have also seen the different solutions for different user groups.

So, whether you are saving for a rainy day or just need better control over your finances, there is a solution. You just have to pick the one that works best.

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Nnamdi Okeke

Nnamdi Okeke is a computer enthusiast who loves to read a wide range of books. He has a preference for Linux over Windows/Mac and has been using
Ubuntu since its early days. You can catch him on twitter via bongotrax

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