If you’ve got an iPhone – as well as any other devices in the Apple ecosystem – then you’ve already got access to arguably the greatest app repository in the world. There are lots of great apps for helping you do whatever it is you need to do; from making to-do lists all the way through to gaming after a hard day’s work, iOS is there for you.
Personal financial management is no different in this regard, with lots of excellent financial apps available on your iPhone or iPad. Whether you’re paying back quick loans you’ve taken out or just looking to build a better budget, Here are the 10 best iOS money apps to download in 2023.
1. Mint
Mint is, quite simply, the best personal finance management app out there right now. It’s got a super-clean interface, so it’s incredibly easy to understand the information it’s showing you, and there’s a wealth of info available too. You can easily view your bank balance, remaining credit or loan payments, and financial goals within Mint, and you can set custom parameters as well. It’s hard to find any fault with Mint, so we’re recommending it as the best iOS finance app available.
2. Honeydue
Honeydue is a personal finance app with a difference; it’s geared towards couples, so it’s all about helping partners with their shared financial obligations. Money is one of the premier reasons that couples argue right now, so it’s never been more important to see eye-to-eye with your partner. Honeydue can help you with that, managing your finances and showing you what you’re spending so that you don’t have to disagree over interpretations of data. There’s even a rather cute little chat app!
3. Fudget
Many budgeting apps allow you to input your bank details so that they can read your information quickly and easily. Fudget doesn’t do that. Instead, it offers a simple, clean, straightforward interface through which you can simply input your own financial information. You don’t need to link any accounts or give Fudget any info that you don’t want it to have, so in that regard, it’s great if you’re not keen on handing over your bank credentials to an app you’ve just downloaded.
4. Money Dashboard Neon
Another great financial management app for iOS, Money Dashboard Neon succeeds the excellent Money Dashboard and is just as great for tracking your personal finances. You can see all the money you’ve got across several accounts, track subscriptions from major services like Netflix or Spotify, and create custom budgets to make sure you don’t overspend. You can also create a spending plan and track your data over time to see if you’re sticking to it.
5. Goodbudget
As the name suggests, Goodbudget is an app that helps you parcel out your spending for the month and create a healthy budget. While it does have some analytical tools for your spending, Goodbudget isn’t really about that; instead, it’s trying to help you make a budget for yourself based on the envelope system, which divides your spending into certain categories and allocates money based on those categories. If you’re worried your spending is out of control, this is the app for you.
6. EveryDollar
This one’s strictly for US customers (hence the name), but it’s based on a rather intriguing budgeting system, so you should check it out if you like financial parity. The zero-based system posits that every dollar (see what they did there?) in your account should have a purpose, so at the end of each month, none of your money will be lying around unused or unallocated. If that sounds appealing, EveryDollar is definitely an app you should check out.
7. PocketGuard
PocketGuard, or PG as it’s now known (it’s not a phase, mum), is a sleek and clean app designed to help you see your money at a glance. It doesn’t go into huge levels of detail about your money, but depending on what you’re after, that might be the very thing that appeals to you about this app. The interface is quiet, minimalist, and techie-focused, so you’ll feel like you’re doing something important every time you head in to check your debts or organise your bills.
8. Snoop
Snoop is a great app if you’re looking to save money through bargains. Each day, Snoop will deliver personalised recommendations for bargains and savings, showing you where you could be cutting back on your spending. It does also function as a budgeting app; you can link your bank account to it, and it’ll show you how much is left in that bank account each day if you want it to. If you find yourself wishing you could get things cheaper, Snoop is for you.
9. Emma
On the other end of the scale to PocketGuard sits Emma, an incredibly feature-rich app that does pretty much everything you can think of when it comes to budgeting. You can track your spending, yes, but you can also keep track of cryptocurrency accounts, invest wherever you like, and get personalised suggestions to optimise your finances. The dizzying depth of things you can do on Emma might feel a little intimidating, but once you get used to it, this is a powerful app indeed.
10. Plum
Plum prides itself on “smart investing and saving”, and that’s exactly what it offers; the chance to invest your money rather than simply letting it sit in your bank account. Plum will round up your spending to the nearest pound and send the difference to something it calls an “interest pocket”, which pays more interest depending on your Plum subscription contribution. Don’t worry, though; there’s an entirely free tier available that will likely do everything you need it to.
