The 5 Money Apps That Will Help You Get Your Finances Together

Let’s face it: Everyone struggles to make a dollar out of 99 cents. Whether tackling expenses, monitoring your credit score, managing your investments, or just figuring out where your last paycheck went (thanks, inflation), knowing where you stand with your money and having the right digital tools can make all the difference. 

So before you spiral into another late-night anxiety session about your finances, we’ve got your back. These five money apps will keep you on track in 2025 and beyond. 

Honeydue

If you’re boo’ed up and sharing finances with your sweetie, Honeydue is one of those money apps that also serves real-time joint bank account for couples, with real-time expense tracking, budgeting tools, and instant notifications so you’ll know who paid for last month’s utilities. 

What we love: No hidden fees, automatic bill pay options, compatible with digital wallets

What could be better: No physical branches, mobile-only with no desktop version, ad-heavy mobile app

You Need a Budget (YNAB)

YNAB is one of the most straightforward personal finance apps available today. It builds your budget based on income, giving “every dollar a job.” This app should be your go-to if you want to stop living paycheck to paycheck, get out of debt, and live purposefully, no matter how much or little you make. 

What we love: Easily tracks spending, handles multiple budgets seamlessly, free for 34 days.

What could be better: No live customer service, no investment tracking, doesn’t show overall financial health.

NerdWallet

If you do not need a personal financing app or don’t feel comfortable sharing your financial information online, NerdWallet has you covered. The free app (with minimal ads!) breaks down everything from cash flow to credit scores to net worth. It even has a financial literacy component, with a hub for educational resources. 

What we love: Useful budgeting tools, automatic transaction importing, free.

What could be better: Limited app content, no custom budgeting, minimal transaction details

Monarch

Whether you’re just starting your financial journey or an investment pro, Monarch is one of the few apps that caters to customers with varying budgets and meets you where you are. Its user-friendly interface provides a comprehensive overview of your financial situation, giving you a big-picture understanding of your money. 

What we love: Easy to use, ad-free with paid subscription, can collaborate with friends and family.

What could be better: No credit score monitoring, no free plan available

Hiatus

Hiatus is the only app that adds those sneaky monthly subscription costs to your budget (other apps require manual financial input). It also provides insights into where your money is going, empowering you to decide about it going forward. The paid version of the app will even let you cancel those subscriptions directly from the app. 

What we love: Easy to use, built-in bill negotiation tools with the paid version, detailed insights

What could be better: Pricey premium features, can be “buggy”