Best Personal Finance Apps USA (2025 Guide)

Top Personal Finance Apps for U.S. Users (2025 Guide)

Whether you're building a budget, managing investments, or tracking subscriptions—these U.S. apps have you covered.

All are available on iOS & Android unless noted otherwise.

YNAB

Local: Yes

4.7 / 5

YNAB

Bank Sync

Optional

Features

Zero-based budgeting, hand-on planning

Pricing

$14.99/mo or $109/yr (trial available)

Monarch Money

Local: Yes

4.8 / 5

Monarch Money

Bank Sync

Yes

Features

Collaborative budgeting, net-worth tracking

Pricing

~$14.99/mo or $99.99/yr

PocketGuard

Local: Yes

4.4 / 5

PocketGuard

Bank Sync

Yes

Features

Automated budgeting, debt payoff tools

Pricing

Free basic; $12.99/mo or $74.99/yr

Goodbudget

Local: Yes

4.4 / 5

Goodbudget

Bank Sync

Optional

Features

Envelope budgeting, manual transaction tracking

Pricing

Free / $10/mo or $80/yr

Empower (formerly Personal Capital)

Local: Yes

4.7 / 5

Empower (formerly Personal Capital)

Bank Sync

Yes

Features

Budgeting + investment portfolio tracking

Pricing

Free

Honeydue

Local: Yes

4.4 / 5

Honeydue

Bank Sync

Shared sync

Features

Couples budgeting, bill reminders, chat feature

Pricing

Free

Simplifi by Quicken

Local: Yes

4.6 / 5

Simplifi by Quicken

Bank Sync

Yes

Features

Cash flow projections, easy interface

Pricing

$2.99/mo billed annually

Tiller

Local: yes

4.4 / 5

Tiller

Bank Sync

Manual

Features

Spreadsheet-based budgeting in Sheets & Excel

Pricing

$79/yr after trial

Copilot Money

Local: yes

4.5 / 5

Copilot Money

Bank Sync

Yes (iOS only)

Features

Sleek tracking; popular with former Mint users

Pricing

Paid app

📱 Best U.S. Personal Finance Apps

App

Bank Sync

Main Features

Pricing

User Rating (⭐)

YNAB

Optional

Zero-based budgeting, hand-on planning

$14.99/mo or $109/yr (trial available)

4.7

Monarch Money

Yes

Collaborative budgeting, net-worth tracking

~$14.99/mo or $99.99/yr

4.8

PocketGuard

Yes

Automated budgeting, debt payoff tools

Free basic; $12.99/mo or $74.99/yr

4.4

Goodbudget

Optional

Envelope budgeting, manual transaction tracking

Free / $10/mo or $80/yr

4.4

Empower (formerly Personal Capital)

Yes

Budgeting + investment portfolio tracking

Free

4.7

Honeydue

Shared sync

Couples budgeting, bill reminders, chat feature

Free

4.4

Simplifi by Quicken

Yes

Cash flow projections, easy interface

2.99/mo billed annually

Wins top place for beginners

Tiller

Manual

Spreadsheet-based budgeting in Sheets & Excel

$79/yr after trial

Highly rated by spreadsheet lovers

Copilot Money

Yes (iOS only)

Sleek tracking; popular with former Mint users

Paid app

iOS users rave about it

Quick Tips: Choose an App Based on Your Goals

1. Prefer hands-on control? Go with YNAB or Goodbudget.

2. Want investment tracking + budgeting? Empower is your top choice.

3. Sharing finances with a partner or advisor? Try Monarch or Honeydue.

4. Love working in spreadsheets? Tiller syncs directly to Sheets or Excel.

5. Just want a clean tracker app? On iOS, users love what Copilot Money offers. 

💡 How to Get Started (U.S. Edition)?

1. Define your goal: budgeting, investment oversight, debt payoff, or shared tracking.

2. Sign up for a free trial when available (YNAB, Simplifi, Monarch all offer trials).

3. Try for a month to see which interface and feature set fits your routine.

4. For security: look for data encryption, multi-factor authentication, and transparent privacy policies—especially if linking financial accounts.

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