Let’s be honest—money management isn’t always easy. Bills, rent, student loans, subscriptions—it can all feel like too much. That’s why, in 2025, more and more Americans will turn to budgeting apps. These handy tools are making it easier to track spending, save smarter, and finally feel in control of your money.
Whether you’re living paycheck to paycheck or want to stay on top of your goals, here are 10 budgeting apps that people across the U.S. are loving right now.
1. YNAB (You Need A Budget)
If you’re ready to get serious about your finances, YNAB is a powerful tool. It’s built around a simple idea—give every dollar a job. That means planning where your money goes before you spend it. It might take a bit to get used to, but once it clicks, users say it’s a total game-changer.
Why people love it: It helps break the paycheck-to-paycheck cycle.
Best for: Long-term planners and budget nerds.
2. Mint by Intuit
Mint has been a go-to budget planner app for years—and even though Intuit is winding it down, many users are still hanging on in 2025. It links to your bank accounts and gives you an easy snapshot of where your money is going. Plus, it’s free!
Why people love it: Everything in one place, plus credit score tracking.
Best for: Budgeting beginners.
3. Rocket Money (formerly Truebill)
We’ve all signed up for a free trial and forgotten about it. Rocket Money helps with that! It tracks your subscriptions, alerts you to price hikes, and can even cancel stuff you don’t use anymore. It’s one of the smartest money management apps for trimming monthly costs.
Why people love it: It saves money without much effort.
Best for: Busy folks with lots of subscriptions.
4. Goodbudget
Remember the envelope method? Goodbudget brings that old-school strategy into the digital world. You divide your money into categories (like groceries, rent, and fun) and track spending manually. It’s simple—and surprisingly powerful.
Why people love it: It makes you think before you spend.
Best for: Families and couples who want to budget together.
5. PocketGuard
If you constantly wonder, “Can I afford this right now?” then PocketGuard is for you. It calculates what’s safe to spend after bills, savings, and goals are covered. Super helpful if you’re trying to avoid that “oops” moment at the end of the month.
Why people love it: Real-time updates on your spending limits.
Best for: Day-to-day spending control.
6. Empower Personal Wealth
Want to budget and grow your money? Empower (formerly Personal Capital) blends budgeting with investment tracking and retirement planning. It’s more than just a budgeting app—it’s a full-on personal finance software tool.
Why people love it: Big-picture money planning in one place.
Best for: High earners or folks planning for the future.
7. Zeta Money Manager
Zeta was made with couples in mind. You can manage shared bills, track personal spending, and even chat about money in the app. In 2025, lots of couples are using it to stay on the same page financially.
Why people love it: It supports financial transparency in relationships.
Best for: Partners budgeting together.
8. EveryDollar
Created by Dave Ramsey’s team, EveryDollar sticks to zero-based budgeting—which means every dollar you earn is assigned a purpose. It’s straightforward and perfect for people who want to get out of debt fast.
Why people love it: Focused, no-fluff approach to budgeting.
Best for: People following Dave Ramsey’s money tips.
9. Monarch Money
Monarch is newer but quickly becoming a favorite. It has a clean look, lets you customize your budgets, and makes financial planning feel less overwhelming. A great pick if you liked Mint but want something fresher.
Why people love it: Beautiful, customizable, and built for modern users.
Best for: Anyone looking for a Mint replacement.
10. Simplifi by Quicken
As its name suggests, Simplifi makes budgeting… well, simple. It tracks your income, bills, and savings and even shows how your spending habits change over time. Some even call it one of the best AI financial advisors available in app form.
Why people love it: Clean layout and smart features.
Best for: People who want simple tools that work.
Final Thoughts
Money can feel stressful—but it doesn’t have to. These top budgeting tools for Americans in 2025 are here to help you stay organized, save more, and feel more confident about your finances. Whether you’re just starting out or already on your way, the right app can make all the difference.
So try one (or two) of these personal finance apps and see what fits your lifestyle. Because budgeting doesn’t have to be a chore—it can be a win.
