Managing your money doesn’t have to be hard. With the right app, you can track your spending, save for goals, and feel more in control. Here are three of the most popular budgeting apps in 2025 that can help you get started.

1. You Need a Budget (YNAB)

What It Does: YNAB helps you plan where every dollar goes. This method is called “zero-based budgeting.” It means you give every dollar a job—like paying bills, saving, or spending.

Key Features:

• Assigns every dollar a purpose.
• Tracks spending in real-time.
• Helps set and reach savings goals.
• Connects to your bank for easy tracking.

User Reviews:

• App Store Rating: 4.8/5
• Google Play Rating: 4.7/5

Cost: $14.99/month or $99/year, with a 34-day free trial.

You Need a Budget Homepage: https://www.ynab.com

2. PocketGuard

What It Does: PocketGuard shows you how much money you have left to spend after paying bills and saving. It’s great for people who want a quick view of their finances.

Key Features:

• “In My Pocket” shows what you can safely spend.
• Automatically tracks bills and subscriptions.
• Helps set savings goals.
• Offers debt payoff planning.

User Reviews:

• App Store Rating: 4.6/5
• Google Play Rating: 3.9/5

Cost: Free basic version; PocketGuard Plus is $12.99/month or $74.99/year.

PocketGuard Homepage: https://pocketguard.com

3. Money Manager Expense & Budget

What It Does: Money Manager lets you manually track your income and expenses. It’s perfect for people who like to see all their financial details in one place.

Key Features:

• Manual entry for precise tracking.
• Detailed charts and reports.
• Supports multiple accounts like cash, credit, and savings.

User Reviews:

• App Store Rating: 4.7/5
• Google Play Rating: 4.7/5

Cost: Free with optional in-app purchases.

Money Manager Homepage: https://www.realbyteapps.com/#

Sage Summary

Choosing the right budgeting app depends on your personal needs:

• YNAB is great if you want to plan every dollar and have a clear budget.
• PocketGuard is ideal for a quick overview of your spending and savings.
• Money Manager is best for those who prefer manual tracking and detailed reports.

Try one out and see which helps you feel more in control of your money.