10 Best Personal Finance Apps of 2021 đŸ“± (2024)

10 Best Personal Finance Apps of 2021 đŸ“± (1)

It’s no secret that apps have already taken over our phones. It’s also probably not a secret that you’re probably trying to save and invest. Well, we have the perfect list for you! Here are our top 10 personal finance apps to have in 2021. These apps are bound to change the way you view saving and investing. Whether you just want to make a monthly budget or become a crypto trader, we have something for you. Let’s dive in! đŸ€ż

Yotta Savingsis thenewest company on our list, formed just a few years ago in 2019, but they are already disrupting the fintech landscape. Like playing the lottery,Yottaoffers a savings account that gives you weekly opportunities to earn up to $10 million. Every week at 9:00 PM EST, there is a number drawing. At the end of every week on Sunday, the seventh and final number gets drawn. If you match all seven digits for the week, you’ll win $10 million! If you don’t match all seven numbers, all is not lost. You can still earn rewards for matching some numbers, and they pay a better interest rate than most banks. That’s incredible, isn’t it? Yotta is based on thePremium Bondprogram in the United Kingdom. Similar programs also exist in other countries, but up until 2015, they were illegal in the United States. You’re not gonna wanna miss downloadingYotta Savingsthis year!

Mint by Intuitis probably hands-down the best free budgeting and personal finance app in the app stores.Mintsolves the common problem of having to log-in to a million different accounts all the time just to check your balances. This app lets you connect each account once and see detailed insights about each one. You can also create custom monthly budgets, hear recommendations on improving, and get free 24/7 access to your credit score. Mint also gives you a heads up regarding any bills coming due and lets you create goals for large purchases. These features keep you on track to reaching your financial goals. If you’re looking for a way to easier see all your accounts in one place (for free) and want better insights into your finances, we highly recommend downloadingMinttoday.Mintis the perfect accountability partner that is always there when you need them!

Acorns is an absolutely fantastic app if you’re just getting into saving and investing money. The way it works is that you link your bank card (it can be a credit or debit card), specify a checking account to make withdraws from, and then simply make purchases as you would typically do. Whenever you make a purchase (say a candy bar for $1.49), Acorns will automatically round your purchase to $2.00. So you’ll pay to store for your $1.49 candy bar, and Acorns will take $0.51 and put it in your Acorns account. They call these transactions round-ups because they round your transactions up to the nearest $1. It’s also possible to round up to the nearest $2 if you want to invest more! Over time, your round-ups will begin to add up, and you’ll have a nice nest egg for yourself. What’s also great is that your round-ups can get invested in various funds based on your risk preference. You’ll simply answer a few questions, and Acorns will let you know which fund is right for you. If you’re looking for an automated way to save and invest, look no further than Acorns!

Bettermentis disrupting the retirement planning landscape. This app lets you consolidate your spending, saving, investing, and retirement activities into a single, easy-to-use interface.Bettermentallows you to invest in various low-cost exchange-traded funds (ETFs) that give you access to stock market investing without trying to pick individual companies, which provides you with the benefit of diversification. Diversification is such a vital part of building wealth because it reduces the decision risk of choosing the wrong stock or a small handful of stocks. Their checking account doesn’t come with any fees, and their management fees on investments are just 0.25%, which is super competitive within the industry to gain access to similar funds. We recommend looking intoBettermentif you’re a technology-lover that has a retirement plan. This app will help keep you on track and give you the tools to make it happen!

Stashis a super cool app with a super cool name! WithStash, you’ll be able to start investing in no time and have access to fractional shares. Fractional shares are shares less than one whole share. It’s common to perfect fractional shares of companies like Tesla or Berkshire Hathaway where the stock prices are crazy high. One of the coolest benefits ofStashis their Stock-Back Card. It’s a debit card that lets you score stock back when you make purchases at your favorite places. You heard us right, stock back, not cashback. This literally might be the coolest debit card today.Stashoffers various other services, like personalized advice, premium research, life insurance, and access to multiple retirement accounts, all included in each of their three subscription plans. The plans start at $1/month for Stash Beginner, $3/month for Stash Growth, and $9/month for Stash+. GettingStashin 2021 might be the right thing to do this year!

Webullis a stock-trading app that has been stealing the limelight fromRobinhoodlately due to their super-generous referral program. UnlikeRobinhoodthat only offers one free stock when you sign up,Webulloffers two free stocks. They even guarantee that your two free stocks will be valued between $8-$1600, so you have a real likelihood to score something good! Sometimes they even offer promotions to get three, four, or sometimes more free stocks just for referring your friends. You’ll be able to trade stocks, options, exchange-traded funds (ETFs), and cryptocurrencies in the palm of your hand with one of three individual retirement accounts (IRAs) or brokerage accounts that they offer. Even if you don’t want to trade or invest, we recommend gettingWebulljust to score the free referral bonuses that they offer.

This one goes out to all you secret-shopping, cashback financial wizards out there!Ibottalets you score cashback on everyday purchases with their mobile app and browser extension. Simply download the app or install the extension, and you’ll be well on your way to earning cold hard cash. They have offers with many retailers like Target, Lowe’s, Home Depot, Domino’s Pizza, REI, Sephora, and more. If you’re shopping at a retailer that is listed onIbotta, you might as well be paying less. The average user earns more than $150 annually. Usually, you have to pay for apps you download, but withIbotta, they’re paying you. Another cool benefit is that they give you cashback on gift cards. That’s like the ultimate lifehack to infinity money, haha! You’re not going to want to miss havingIbottadownloaded this year! If you like cashback apps, check out our other article on theTop 5 Cashback Apps That Save You Money đŸ€‘!

Have you always wanted to invest in real estate but never had the money to do it? If so, you’re gonna want to take a look atFundrise.Fundrisegives you access to a series of multi-million dollar real estate portfolios without needing hundreds of thousands of dollars to get started. Simply open an account, set recurring deposits, and watch your investment in real estate growth. UsingFundriseis a great way to diversify your portfolio if you only have stocks or a real estate investor who only owns single properties. Gaining access to large apartment complexes and offer spaces hasn’t been available to average investors untilFundrisecame and disrupted the space. As housing and real estate continue to increase in value, year-over-year, investing in real estate is the perfect way to build wealth over the long-term. Don’t get caught not havingFundrisedownloaded in 2021.

If you own a gas-powered vehicle, you need to know aboutGetUpside.GetUpsidelets you earn up-to 30± off per gallon at thousands of gas stations across the country. You’ll never have to pay full price ever again to fill up your tank. In addition to saying money at the pump,GetUpsidecan also save you money at grocery stores and restaurants. Since they started in the gas station space, you’ll see much more gas savings than you will other places, but they’re adding new stores every day. We have agreat article that goes in-depthon the benefits and how-to-useGetUpside. Be sure to check that out! While you may not be driving much now, you’ll probably drive more in the future. And if you have to for gas anyway, you might as well get it cheaper!

With Bitcoin and other cryptocurrencies taking over headlines, you may want to see what all the fuss is about.Coinbaseis emerging as the leader in crypto trading that is easy to start and has robust features. One of the best benefits ofCoinbaseis that they have educational content to learn about the cryptocurrency world. Not only do they have great content, but they’ll also pay you over $100 to go through a series of lessons. If you want a quick primer on how to invest in crypto, be sure to check out our articleHow to Invest in Cryptocurrency ⚡. There’s no doubt that we think cryptocurrency is here to stay so you should get as familiar with it as possible. Investing in crypto might be a great way to diversify your portfolio. If you’re trying to start trading crypto and want free money, definitely downloadCoinbasetoday!

Let us know which app you downloaded! Also, if you enjoy finding new apps to try, check out our complete list of the best apps for building wealth! Happy reading and thanks for supporting our work! And, don’t forget to subscribe to us atMillennial Investments. 🙏😇

10 Best Personal Finance Apps of 2021 đŸ“± (2024)

FAQs

Which is the best personal finance software? â€ș

The 7 Best Personal Finance Software Options of 2022
  • Best Overall: Quicken.
  • Best for Budgeting: Mint.
  • Best for Habit Building: YNAB.
  • Best for Taxes: TurboTax.
  • Best for Investing: FutureAdvisor.
  • Best for Investment Advice: Personal Capital.
  • Best for Spreadsheet Management: Tiller Money.
5 days ago

What is the best Android app for personal finance management? â€ș

The 7 Best Personal Finance Apps of 2022
  • Best Overall: Mint.
  • Best for Debt Payoff: You Need a Budget.
  • Best for Wealth Management: Personal Capital.
  • Best for Bill Payment: Prism.
  • Best for Shared Expenses: Spendee.
  • Best for Budgeting: EveryDollar.
  • Best Visuals: Mobills.
7 days ago

What's the best app for keeping track of bills? â€ș

Best expense tracker apps
  • Best overall free app: Mint.
  • Best app for beginners: Goodbudget.
  • Best app for serious budgeters: You Need a Budget (YNAB)
  • Best app for small business owners: QuickBooks Online.
  • Best app for business expenses: Expensify.

What is the safest budget app? â€ș

  • Personal Capital.
  • Mint.
  • YNAB (You Need A Budget)
  • PocketGuard.
  • Goodbudget.
  • Stash.
  • Honeydue.
  • Digit.
4 Oct 2022

How can I save money fast? â€ș

How to save money fast: 17 tips to grow your savings
  1. Learn to budget and understand your finances. ...
  2. Get out of debt. ...
  3. Create a designated savings account. ...
  4. Automate your savings. ...
  5. Automate your bills. ...
  6. Put a spending limit on your card. ...
  7. Use the envelope budgeting system. ...
  8. Cut back on rent.
12 Aug 2022

What is the easiest accounting software for personal use? â€ș

The 5 Best Accounting Software of 2022
  • Best Overall: QuickBooks Online.
  • Best Solution for Individuals: Quicken.
  • Best Free Solution for Home Use: Mint.
  • Best Solution for Businesses: Wave.
  • Best for Micro-Businesses & Freelancers: QuickBooks Self-Employed.

Is there a money tracker app? â€ș

Connect your cash, credit cards, loans, investments, and more. Mint helps track your transactions, budgets, expenses, and subscriptions. We bring together all your numbers to show your net worth and spending trends. Get alerted when you're close to going over budget and before you overdraft from an account.

Does Google have a finance app? â€ș

If you go to Google Finance on your iPhone or Android via the mobile browser, it looks a lot like an app. You can enter a ticker symbol or company name in the search box at the top to generate a current price and stock chart. Three buttons on top let you switch from a market view to your saved portfolio to news.

What is Money Manager app? â€ș

The Money Manager is financial planning, expense tracking, and asset management app for iOS and Android devices. It simplifies and simplifies the management of your finances.

Can Mint be trusted? â€ș

Is Mint a safe app? Yes, Intuit, Mint's parent company, employs the latest security and technology measures to keep its customers' personal and financial information safe. Security measures include software and hardware encryption and multi-factor authentication.

Are money management apps safe? â€ș

In general, budget tracking apps are considered very safe from cybercriminals. As long as you use the safety tips above, don't be afraid of what might happen if you use an app to help you budget better. Be afraid of what might happen if you don't.

Is Mint or Truebill better? â€ș

Mint – Which Budgeting App Should You Choose? If you just need a budgeting app to help you monitor your spending and to stay on track, Mint is better than Truebill. The free version of the app has everything you need, including budget category customization which the free version of Truebill lacks.

Should I pay for a budgeting app? â€ș

No Accountability. Budgeting apps give you the tools you need to manage your money. But they don't enforce any consequences if you don't use those tools. At the end of the day, it's up to you to analyze your spending and figure out where your money's going and what you might need to change to improve your finances.

Is Mint still free? â€ș

We recommend using Mint for its basic budgeting, goal, and credit score features. Since Mint.com does not cost anything to use, you might as well sign up and give it a spin.

Is Mint the best budgeting app? â€ș

Best Free Budgeting App Mint

The app is free and easy to use for budgeters of all levels. You can also set up bill payment reminders, track investments, and access your TransUnion credit score—all of which make Mint our choice for the best free budgeting app.

How can I save 10k in 3 months? â€ș

Seven steps to save $10,000 in three months
  1. Evaluate your current financial situation. ...
  2. Get your debt under control. ...
  3. Set a realistic goal. ...
  4. Try fasting from unnecessary spending for 30 days. ...
  5. Get creative with your living situation. ...
  6. Make extra money with a side hustle or freelance gig. ...
  7. Invest in yourself.

How can I save 10k in 6 months? â€ș

How I Saved $10,000 in Six Months
  1. Set goals & practice visualization. ...
  2. Have an abundance mindset. ...
  3. Stop lying to yourself & making excuses. ...
  4. Cut out the excess. ...
  5. Make automatic deposits. ...
  6. Use Mint. ...
  7. Invest in long-term happiness. ...
  8. Use extra money as extra savings, not extra spending.

How can I make money from home? â€ș

How to make money from home
  1. Sell custom products.
  2. Create a print-on-demand business.
  3. Make a subscription box.
  4. Sell on marketplaces.
  5. Sell digital products.
  6. Sell your creative work.
  7. Monetize an audience.
  8. Become a freelancer.
4 Nov 2021

Is there something like QuickBooks for personal use? â€ș

What QuickBooks offers for the small business, Quicken offers for individuals and families. Quicken tracks your account balances, transactions, investments, personal budgeting, loans, and any other part of your personal financial life.

Which is easier Quicken or QuickBooks? â€ș

Quicken is less expensive and easier to use than QuickBooks. It also has more features for personal finance, such as the ability to track investments, keep track of rental properties and create debt reduction plans.

Is personal capital better than Mint? â€ș

Mint will allow you to see your portfolio values over time, but it won't offer tools to help with your retirement planning or asset allocation strategy. If you are looking for help managing your investments, Personal Capital is the clear winner.

Is QuickBooks good for personal use? â€ș

Is QuickBooks good for personal finances? Yes. As you can see from the list of features we have outlined above, there are many ways you can use QuickBooks to manage your family's finances.

Top Articles
Latest Posts
Recommended Articles
Article information

Author: Dan Stracke

Last Updated:

Views: 6236

Rating: 4.2 / 5 (63 voted)

Reviews: 94% of readers found this page helpful

Author information

Name: Dan Stracke

Birthday: 1992-08-25

Address: 2253 Brown Springs, East Alla, OH 38634-0309

Phone: +398735162064

Job: Investor Government Associate

Hobby: Shopping, LARPing, Scrapbooking, Surfing, Slacklining, Dance, Glassblowing

Introduction: My name is Dan Stracke, I am a homely, gleaming, glamorous, inquisitive, homely, gorgeous, light person who loves writing and wants to share my knowledge and understanding with you.