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

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

Bank Sync
Yes
Features
Collaborative budgeting, net-worth tracking
Pricing
~$14.99/mo or $99.99/yr
PocketGuard
Local: Yes
4.4 / 5

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

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

Honeydue
Local: Yes
4.4 / 5

Bank Sync
Shared sync
Features
Couples budgeting, bill reminders, chat feature
Pricing
Free
Simplifi by Quicken
Local: Yes
4.6 / 5

Bank Sync
Yes
Features
Cash flow projections, easy interface
Pricing
$2.99/mo billed annually
Tiller
Local: yes
4.4 / 5

Bank Sync
Manual
Features
Spreadsheet-based budgeting in Sheets & Excel
Pricing
$79/yr after trial
Copilot Money
Local: yes
4.5 / 5

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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