Best Android Apps to Manage Personal Finance

Keeping track of your cash flow is an essential part of managing your personal finance successfully. But managing money is a hard task. At times it can be overwhelming. 

If you find it challenging to balance a checkbook or keep your finances in order, then personal finance apps can be the right solution. These apps can connect with your bank account and help you manage your finances, keep up with a good credit score, track your bill payments, and areas you've been spending a lot.

Best Android Apps to Manage Personal Finance

In this post, we're going to explore some of the top personal finance apps for Android. In future I will analyze and list the best iPhone apps to manage personal finances.

Features of the best personal finance apps

Here are some features of the best personal finance apps:

  1. These simplify complex financial procedures
  2. They alert you using reminders
  3. They help you track your subscriptions
  4. They provide good security features
  5. Shared wallets.

Key benefits of using an app to manage personal finance

It becomes easier to save money

Saving money is very hard, especially when you spend a lot of money on unnecessary items. Hence saving money becomes very easy when you use personal finance apps by tracking your spending habit and managing it very effectively.

Organizing your finances becomes simpler

Organizing your finances helps you in attaining financial efficacy. It helps you know the direction of where your money is headed.

Thanks to the personal financing apps, you can monitor your income and expenses and get organized with your finances efficiently.

You become more confident with your financial decisions

Occasionally, you worry that you're going to fall in debt if you spend a lot. It'll make you more hesitant to make any financial decision when it involves high financial risk.  

However, by using personal finance apps, you will have an extra level of confidence. Also, you can free yourself when you know how to handle your finances.

You’re less likely to commit any financial mistakes.

Committing mistakes can cost you a lot when it comes to money. So you have to make the financial decision very carefully to avoid any considerable loss. These apps help you manage your financial risk and review your budgeting, spending, and earnings. Thus makes it easier for you to commit fewer or no mistakes. 

You can access your finances anywhere at any time

Because of personal finance management apps, your finances are now always available to you at your fingertips, unlike in the past. This gives you a significant advantage in this fast-growing economy.

The 5+1 Best Android Personal Finance Apps

With all those key features kept in mind, we've got some of the best budgeting apps and tools to manage your finances effectively.

1. Personal capital

Personal capital is a personal finance management app that allows you to manage your investments and asset allocation, along with your daily spending accounts.

This service integrates with more than 14,000 financial institutions. You can link your accounts with this app, track spending, and create a monthly budget simultaneously. It also helps to evaluate your portfolio, track your net worth, and see your upcoming bills. It has a built-in intelligence, which helps you in risk management and creates opportunities for diversification.

  • This includes budgeting, retirement planners, and many free analyzer tools.
  • If your net worth is too high, you can upgrade it to advisory services.
  • Advisory services fees are high.

Price: Free

2. Mint

Mint is one of the most well-known apps for intuitive financial tracking and budgeting. It allows you to track your bills, create budgets, and receive a good credit score.

After you link your bank account, it tracks your spending habits by classifying them into categories such as "shopping," "food," "entertainment," etc. Plus, you can track your investments. 

The app also has a feature that sends email reminders to your phone, adds calendar entries for bills that you manually pay, and provides you with some tips on improving your credit score and finding new ways to save.

  • You can make this app as simple as you want
  • It has a beautiful design.
  • All of your info stays in one place.
  • Lots of bugs as reported by the reviewers

Price: Free

3. Spendee

Spendee is one of the top-rated best apps, which makes your life easier. It allows you to create a shared wallet with your family and friends to manage the shared expenses of your household budget.  

You can make a budget on each category; hence you can stop overspending. You can also back up all the data across devices for household accountability.

  • Beautiful design
  • The app’s paid plans support multiple users.
  • Developers’ support is very uncertain.

Price: Starts @ $1.99/month or $14.99/year with a 7-days free trial 

4. You Need A budget or YNAB

YNAB is a personal finance app that is built around 4 rules.

Those are- Give every dollar a job, Embrace your expenses, Age your money, and roll with the punches. 

In the app, first users are asked to set a budget goal by asking you to link personal accounts (such as a savings cash credit card or line of credit). Once you link, your balance is automatically imported into the YNAB debt manager.

With this account, you'll get detailed reports on how your spending has progressed throughout the month. According to the YNAB report, the average user of this app saves about 600 dollars within the first two months and more than 6000+dollars in its first year.

  • Based on customer reviews and feedback, the app is updated regularly.
  • You’ll learn how to reach and also maintain financial goals.
  • It has a small learning curve.
  • Expensive

Price: Free 34-day Trial period, paid plans start at $6.99/month (billed annually @ $83.99)

5. Prism

Prism is an outstanding application that shows you all the bills and financial accounts. Once you download it, you will never have to worry about your due payments ever again.

This gives you the option to schedule your bills anytime. All of your monthly expenses are accessible in the form of a list or calendar and are paid using your method of choice.

  • Your bills are going to be in one place.
  • Sends you notifications if a bill looks suspicious
  • Some reviewers reported some occasional bounced payments.

Price: Free

6. Robinhood

Robinhood is a free-trading app that makes your money work harder. You can trade in stocks and cryptocurrencies such as Etherium and Bitcoin for free 24/7 with this app.

It is one of the best trading platforms to invest your money in. You can build your portfolio by investing in the stock market or ETFs. It's currently supported in 30 countries.

  • Non-crypto investment options available
  • No commission involved
  • The Crypto feature is unavailable in some countries.

Price: Free


Although you may have many apps on your mobile, I believe there is undoubtedly plenty of room for one of the essential apps ever to exist, right? Don't just wait. Download these apps to manage your personal finance and to find a rhythm in your financial growth.

The benefits of these apps are endless, and today, personal financing apps are becoming very popular because of innovation. These apps provide you with a wide range of features that will benefit and improve your financial situation. These tools are convenient and help you improve your financial health, whether it is spending, earning, saving, or investing.