When it comes to managing your money, one of the best ways in which you can do so is through the use of technology. These days there is an application on your smartphone or tablet for just about anything and that includes personal financial management.

Managing your money via an app is a really streamlined way in which you can stay on top of your finances, no matter where you are or what you are doing. With this in mind then, here are our top 5 applications which you can use to manage your finances.


This is really a Jack of all trades when it comes to managing your money and for anyone who is looking to take responsibility of their finances, this could be the best app for you. The app has many awesome features which we love such as being able to sync your bank accounts, your credit cards and your monthly bills. The app uses this information to give you a snapshot of where you are month on month. Mint is also a great app for portfolio management and spending control and it can really help you get your finances in order.


Level Money

Level Money was put together by credit card provider Capital One and much like Mint it will allow you to sync your credit cards and bank accounts, regardless of which financial service you use. The idea of the app is really to help you save money and once you input your target, the app will give you data and advice on how to achieve it.



This is an app which utilizes AI to help you to stay on track of your finances and once you have synced your details and accounts, the chatbot will help you to stay on top of your money. This is a great app for anyone who lacks a bit of self control when it comes to their spending and you can receive text messages, advice and notifications on spending from the chatbot.

Cost: Free with Premium Option Penny+

YNAB (You Need a Budget)

The idea of YNAB is to focus primarily on your monthly income and expenditure and help you to create a manageable and achievable budget. Once you and your accounts and details, you must then attribute every dollar to a particle spend be it saving, travel, gas, food or anything else which you’ll be spending cash on. The app will constantly re-adjust your budgets based on your spending and ensure that you manage to stay in line with th budget that you agreed.

Cost: Free for 34 days and the $50 per year


This is the app which overspends need to get in their life. Pennies helps you to create weekly and monthly budgets and gives you lottos notifications and prompts about when you are reaching the limit. Sometimes all we need is a little nudge that we are spending too much money and that is exactly what Pennies does.

Cost: $3.99