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9 Best Budgeting Apps for Money-Savvy Moms

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As a mom, it’s important to make sure your finances are in check and that you’re staying within your budget. But with so many things to keep track of, it can take a lot of work to stay on top of your spending.

Luckily, there are plenty of great budgeting apps out there that can help you keep your finances in check.

From tracking your spending to setting savings goals, these nine apps offer a variety of features to help you stay on top of your money.

What is a Budgeting App?

A budgeting app is a software application that lets you keep track of all of your income and expenses, create budgets, and manage your finances.

Budgeting apps are designed to make budgeting more manageable and more convenient by providing features like expense tracking, bill reminders, and financial goal setting. They can be accessed on your smartphone or computer, making it easy to stay organized on the go.

Why Use a Budgeting App?

Using a budgeting app can bring many benefits to busy moms. Here are some reasons why you should consider using one:

  • Stay organized: With all your financial information in one place, it’s easier to keep track of your expenses and stay on top of your bills.
  • Save time: Instead of manually tracking your spending and creating budgets, a budgeting app does it all for you in just a few clicks.
  • Control overspending: Budgeting apps provide real-time updates on your spending, making it easier to identify areas where you may be overspending.
  • Achieve financial goals: With features like goal setting and progress tracking, budgeting apps can help you reach your financial goals faster.
  • Family-friendly: Many budgeting apps allow you to create multiple accounts, making it easy for the whole family to stay on top of their finances.

Are Budgeting Apps Worth It?

Budgeting apps can be helpful, but choosing the right one for your needs is essential.

Before downloading an app, consider your budgeting goals and what features are most important to you. Some apps may come with a monthly or annual fee, so make sure to read reviews and compare prices before making a decision.

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Best Budgeting Apps for Money-Savvy Moms

1) Mint

Mint is a free budgeting app that syncs all your accounts in one place, giving you a comprehensive overview of your finances. It automatically categorizes expenses and provides bill reminders to help you stay on top of your bills. It also lets you set financial goals and track your progress towards them.

One unique feature of Mint is its ability to analyze your spending patterns and recommend how to save money. The app also offers free credit score monitoring and alerts you to any suspicious activity on your accounts.


YNAB is a powerful personal budgeting tool that enables precise budget creation based on income and expenses. It offers real-time syncing, goal setting, expense categorization, and tools for debt management. 

You can access YNAB through mobile apps, ensuring convenient budget management anytime, anywhere. YNAB empowers you to control spending, save proactively, and work towards financial goals, making it an effective tool for financial management.

YNAB offers two pricing options: the monthly plan, which costs $14.99 per month, or the annual plan, which costs $99 per year. There’s also a free trial.

3) PocketGuard

PocketGuard is a user-friendly budgeting app that lets you sync all your financial accounts in one place. It categorizes expenses, tracks your bills, and lets you set budgets for different spending categories. 

PocketGuard also offers an “In My Pocket” feature, which shows how much money you have left to spend after accounting for bills and savings. 

This app has an excellent visual interface that makes it easy to understand your finances at a glance.

The basic version of PocketGuard is free, but the Plus version costs $7.99 per month or $34.99 per year and offers additional features like custom categories, multiple budgets, and bill tracking. There’s also a lifetime option of $79.99, where you pay once and never have to pay again.

4) EveryDollar

EveryDollar is a zero-based budgeting app created by financial expert Dave Ramsey. It follows the principle of giving every dollar a specific job, ensuring you control your money. The app syncs with all of your bank accounts and allows you to track expenses, create budgets, and set financial goals.

One unique feature of EveryDollar is its BabySteps program, which provides a step-by-step guide to help you get out of debt and build wealth. 

EveryDollar has a free version and a Plus version for $17.99 per month or $79.99 per year, which includes additional features like unlimited budget categories and priority customer support.

5) Goodbudget

Goodbudget takes a unique envelope budgeting approach to help users manage their finances. With this approach, you allocate a certain amount of money to specific categories and use them like virtual envelopes. It makes it easy to visually see how much you have left to spend in each category.

Goodbudget has a free version with limited envelopes, but the Plus version costs $8 per month or $70 per year for unlimited envelopes and more features.

6) Honeydue 

Honeydue is a budgeting app designed specifically for couples to manage their finances together. It allows you to connect your accounts and track both individual and joint expenses. You can also set budget goals and receive alerts when one of you goes over budget.

The app also lets you have conversations within the app, making it easier to discuss financial matters with your partner. 

Honeydue is available for free on both iOS and Android devices.

7) Wally

Wally is a free budgeting application that lets you track your income and expenses effortlessly. The app also supplies you with insights into your spending habits and lets you create a personalized budget based on your goals. Wally also has a feature called “Where’s My Money” which tracks where your money is going and suggests areas where you can cut back.

One unique feature of Wally is its ability to scan receipts and automatically log expenses, saving you time and effort. It also offers secure cloud storage for your financial data.

8) Empower

Empower App is a budgeting app that tracks your expenses and helps you save money. It offers personalized recommendations for how much money you should be saving every month based on your income and spending habits. It also has a feature called “AutoSave,” that automatically transfers money from your checking account to savings.

Empower App also offers credit score monitoring and a “find and save” feature, which finds potential savings in your bills and helps you switch to better deals.

The basic version is free, but for additional features like AutoSave and investment options, the Plus plan costs $8 per month or $80 per year.

9) Simplifi by Quicken 

Simplifi by Quicken is a budgeting app that offers an all-in-one view of your finances. It tracks your expenses, creates budgets, and helps you reach financial goals. 

One unique feature of Simplifi is its ability to track your net worth and provide insights into your overall financial health. It also offers bill reminders and syncs with your bank accounts for automatic expense tracking.

The basic version costs $3.99 per month or $47.88 per year billed annually. 

Final Thoughts

Budgeting apps can be a helpful tool for money-savvy moms looking to take control of their finances.

Whether you’re just starting out with budgeting or looking for more advanced features, there is sure to be an app that fits your needs and budget.

Remember to do your research and choose the right app for your specific financial goals and preferences.

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