Top Personal Finance Apps of 2024

Taking care of our personal finances can be a time-consuming process. You need to keep tabs on multiple accounts, investments, spending, savings goals, and debt payments. It can be overwhelming and time-consuming, and while some people love it, others would love to forget all about it. 

For those in the latter camp, these five apps may not automate everything, but they’ll take a lot off your plate (and mind). These apps can help you bring all your accounts together to track your spending on your behalf, help you set and track your goals, and generally make managing your finances more manageable.

Rocket Money

Rocket Money allows you to track every detail of your spending in one place. It will enable you to keep tabs on your bank, investments, and credit card accounts, giving you real-time updates on your money. 

It’s particularly helpful for those with quite a few subscriptions (which most of us have plenty of). The app allows you to see all the apps and services you’re subscribed to and to easily remove the ones you’re no longer interested in, as the app will cancel it for you, saving you the headache and the time this process can take.

As if helping you cancel subscriptions wasn’t enough, the app will help you get lower rates for your bills by negotiating on your behalf or comparing rates. Rocket Money has a free version and a premium version with different opt-in options for its various features, so the price can range from $4-$12 per month, depending on your preferences.


YNAB, which stands for You Need a Budget, is an app that aims to help you not only track your finances but also learn how to stress less about them. It does this through features that will help you build a financial plan and budget and by sharing the company’s four core money rules. 

The first rule is to follow a zero-sum budget, where every dollar you have has a purpose. This doesn’t mean spending all your money but rather dedicating it towards your retirement, travel, or entertainment budgets. The second rule asks you to consider the spending that you don’t encounter every month. With the app, you can dedicate monthly money towards these less frequent payments to have money for them when they arise. 

The third rule, which YNAB has dubbed “roll with the punches,” allows you to shift your budget based on changing spending habits. If you see your spending on entertainment increasing, you can increase how much money you have dedicated to this each month — this means you can guilt-free juggle your budget as a way to boost your bankroll for fun things like gaming at an online casino. 

The last rule is about helping you develop confidence and savings so you’re not waiting until payday to pay your bills. These qualities make it a great way to get started with budgeting and setting yourself up for financial success. The app can be billed monthly for $14.99 or paid once yearly for $99.

Quicken Simplifi

Quicken Simplifi allows you to track your spending, sync all your accounts in one place, and track your net worth. It offers real-time updates and allows you to set, automate, and track specific financial goals. This glimpse into where your money goes also enables you to find more areas to save.

Because the app is connected to your accounts, it offers the security of alerting you of unusual and unexpected purchases so that you’re always aware of where and how your money is being used. It will even remind you when you have upcoming bills, so you never have to worry about losing track of important deadlines.

One of the standout features of Quicken Simplifi is that it delivers an in-depth look at your investments and their performance in addition to connecting to your different accounts. This in-depth look lets you feel more confident about how your goals are progressing and can help you make more informed decisions about your next investment moves.

The app is available for $3.99 per month, and there is a more in-depth desktop version called Quicken Classic with two payment levels, $5.99 or $7.99 monthly.

Monarch Money

Monarch Money allows you to track all your financial accounts to build a budget and to track your spending and progress toward your financial goals. It sets itself apart by focusing on helping couples manage their shared and personal finances in one place. You both get separate logins with regular updates and reports for your shared financial accounts and goals.

Alongside tracking your spending and managing your budget, you can use Monarch Money to track your net worth and investments with real-time updates and insights. This allows you to thoroughly examine your financial health and even share it with your financial advisor through the app.

The app can be billed yearly at $99.99 or monthly at $14.99.


PocketGuard lets you connect your various accounts to get a real-time view of your finances. The app allows you to set up a budget, track your spending, and schedule reminders for upcoming payments, letting you know where your money is going and when to pay your bills.

PocketGaurd also allows you to add your debts within the app to help you develop a debt-free action plan that works for you and the rest of your finances. It shares common strategies used to pay off debt (the debt avalanche or debt snowball methods) to help you make an informed plan that will help you feel in control of your finances. 

The subscription for this app is $12.99 monthly or $74.99 annually.


If you’re planning to buy your first home, upgrade your car, pay off your student loans, or have no idea where to start with your personal finances, these apps might be the right fit for you. Try them out and see which fits your lifestyle, preferences, and financial situation best.