Why You Need a Finance Tracking App in 2025
Managing personal finances has become more complex than ever. With subscriptions, variable income, online shopping, and digital wallets, it’s easy to lose track of where your money is going. A good finance tracking app helps you gain clarity, stay accountable, and make informed financial decisions.
In 2025, finance apps have evolved to be smarter, more automated, and personalized. Whether you’re budgeting, saving, or just trying to stop overspending, there’s an app tailored for you.
Let’s explore the best options available this year and how each one fits different financial goals.
1. YNAB (You Need a Budget)
YNAB remains one of the top choices in 2025, especially for users who want full control over their money. It’s based on four core principles that guide users to give every dollar a job, embrace true expenses, roll with the punches, and age their money.
Best for: People who want to break the paycheck-to-paycheck cycle
Key Features:
- Goal-setting and progress tracking
- Real-time syncing across devices
- Detailed reports and visualizations
- Direct import from banks
Cost: $14.99/month or $99/year
Platform: iOS, Android, Web
YNAB encourages intentional spending and helps users stay ahead of their expenses, not behind them.
2. Mint by Intuit (Now Mint 2.0)
Mint has been updated with a refreshed interface and smarter AI-driven budgeting tools in 2025. It remains free and powerful for those who want to track spending and set goals with minimal effort.
Best for: Beginners or anyone who prefers automation
Key Features:
- Automatic categorization of transactions
- Credit score monitoring
- Budgeting alerts and tips
- Subscription tracking
Cost: Free (ad-supported), optional premium at $4.99/month
Platform: iOS, Android, Web
Mint’s ability to pull in all your accounts in one place gives you a complete financial snapshot effortlessly.
3. Monarch Money
Monarch has quickly gained popularity for its sleek design and family-friendly features. It allows you to collaborate with a partner, set shared financial goals, and build custom budgets.
Best for: Couples and families managing money together
Key Features:
- Shared dashboards and goal tracking
- Visual financial planning tools
- Custom categories and rules
- Net worth tracking
Cost: $14.99/month or $99/year
Platform: iOS, Android, Web
Its clean interface and proactive features make Monarch a standout for those who want clarity and collaboration.
4. PocketGuard
PocketGuard focuses on simplicity. Its “In My Pocket” feature shows exactly how much you can spend after accounting for bills, goals, and necessities.
Best for: People who need quick spending guidance
Key Features:
- “In My Pocket” real-time balance
- Bill tracking and alerts
- Savings goal suggestions
- Detects recurring charges
Cost: Free basic plan, PocketGuard Plus at $7.99/month
Platform: iOS, Android
If you struggle with overspending, PocketGuard is like a friendly voice in your pocket keeping you on track.
5. Goodbudget
This app brings the envelope budgeting system into the digital world. Perfect for users who want to assign their money to different categories manually, like old-school budgeting but smarter.
Best for: Manual budgeters and cash envelope fans
Key Features:
- Envelope system simulation
- Sync across devices for couples
- Debt tracking features
- Expense tracking
Cost: Free version with 10 envelopes, Premium at $8/month
Platform: iOS, Android, Web
Goodbudget helps you feel in control by forcing you to be hands-on with your budget.
6. Simplifi by Quicken
Simplifi is a newer entrant but has gained traction due to its personalized approach. It learns your spending patterns and offers customized insights to keep your goals on track.
Best for: Tech-savvy users who like AI assistance
Key Features:
- Real-time updates and reports
- Smart spending watchlists
- Recurring income and bill tracking
- Personalized recommendations
Cost: $5.99/month or $47.99/year
Platform: iOS, Android, Web
Simplifi is great for visual learners and those who want a modern app that doesn’t feel like traditional accounting software.
7. Honeydue
Honeydue is designed for couples who want to manage finances together without necessarily combining everything. It promotes communication and awareness with shared tools.
Best for: Couples tracking shared and separate expenses
Key Features:
- Shared budgeting categories
- Custom bill reminders
- In-app messaging about money
- Optional joint banking via Honeydue Bank
Cost: Free
Platform: iOS, Android
Honeydue is ideal for partners looking for more transparency in finances without full integration.
8. Spendee
Spendee shines with its visual design and intuitive dashboard. It’s great for those who want an easy, colorful overview of their finances.
Best for: Users who love visual budgeting tools
Key Features:
- Color-coded categories
- Shared wallets for groups or families
- Cryptocurrency tracking
- Budget planning by month or category
Cost: Free basic plan, Premium at $2.99/month
Platform: iOS, Android
It’s a solid option if aesthetics and user experience are a priority.
9. Zeta Money Manager
Zeta was built for modern households, including unmarried couples, roommates, or families with shared and individual finances. It allows for both privacy and collaboration.
Best for: Households with flexible financial arrangements
Key Features:
- Shared and individual budgets
- Bill payment coordination
- Goal tracking
- Household money planning tools
Cost: Free
Platform: iOS, Android
Zeta is versatile and adapts to many living situations where multiple people manage overlapping finances.
10. Rocket Money (formerly Truebill)
Rocket Money is a financial control center with a focus on reducing unwanted subscriptions and bills. It analyzes your finances and even negotiates bills on your behalf.
Best for: Cutting costs and eliminating waste
Key Features:
- Subscription manager
- Bill negotiation services
- Spending insights
- Credit score tracking
Cost: Free basic plan, Premium features based on tipping ($3–$12/month)
Platform: iOS, Android
If you feel like you’re bleeding money on things you forgot about, Rocket Money helps plug the leaks.
Choosing the Right App for You
There’s no perfect app for everyone. The right one depends on your goals, habits, and how much control you want. Start by identifying what you need most:
Do you need to break bad spending habits? Try YNAB or PocketGuard.
Are you just getting started? Mint or Spendee might be ideal.
Do you manage finances as a couple? Try Honeydue or Monarch.
Do you want help negotiating or managing subscriptions? Go with Rocket Money.
Most apps offer free trials or basic versions, so don’t hesitate to test a few and see what sticks. What matters most is that you take the step to track your finances and make intentional money decisions.