Ultimately, the budgeting app that will work best for you depends on your style. Here are a few questions to consider when deciding which app is the best for you.ĭo you want to manually log your expenses or have them automatically updated and categorized for you? The right Mint alternative for you depends upon several factors, including the device you'd like to use it on, your personality, your goals, the fee structure, and what exactly you want the app to accomplish. Ultimately, it's one of the best alternatives to Mint if you want a microsavings app that also lets you invest.Ĭheck out our full review. Oprotun is free for 30 days and then $5 a month after that. Want to invest but don’t know how much money you can spare? Oprotun analyzes your spending, calculates how much you can afford to put into the market, helps you choose the right ETF mix for you based on your goals and tucks money away for you. Whenever you make a deposit, it moves money into a separate account for bills to cover monthly necessities so you can stay ahead of your bills. It first made a splash when it launched for its ability to tuck tiny, inconspicuous amounts into your savings goals for you, but since then it’s grown into a saving powerhouse. Oprotun (formerly known as Digit) is a “smart” app that does just about everything automatically once you set it up. Simplifi Best for juggling hard targets and nice-to-haves You can read our PocketSmith review for more info, and Moneywise readers get 50% off their first two months of a Premium plan. For most users, the middle-tier Premium plan, which costs $9.95 per month or $90 per year, is enough to get the job done. The downside versus Mint is that you need to pay for PocketSmith to get most of its features. Its budgeting calendar also provides a nice visual layout of your upcoming expenses and income, so it's an excellent app for highly-visual budgeters, not spreadsheet fans. It has a cash-flow forecasting tool that highlights how your current spending habits influence your net worth and future wealth. It also summarizes your transactions just like Mint.īut we like PocketSmith as an alternative to Mint because of its forecasting features. From there, you can create custom budgets and spending categories to stay on top of your finances. PocketSmith is similar to Mint in that you can aggregate all of your banking and investing accounts with one app. PocketSmith Best for helping you forecast for the future YNAB post for a complete comparison of these two budgeting apps. It has several iterations, including Web, Android, and Apple. YNAB is fee-based, priced at $14.99 a month or $98.99 a year but offers a 34-day free trial. Address overspending when it happens by readjusting over other categories. If you have annual expenses, you'll break them up over 12 months so that you set aside a little each month. To gain the most from this feature, you'll need to spend a bit of time upfront setting up those priorities. You allocate every dollar based on spending priorities that you've previously established. On top of instructing you to stick to spending only last month’s income, YNAB has three other rules: YNAB makes recording expenses and goal-setting a breeze with the ability to categorize expenses and link bank accounts to automatically log your transactions. It helps spenders break the habit of living paycheck to paycheck by encouraging them to live solely off the money earned the previous month and setting intentions for each dollar that comes in. YNAB has long been one of the strongest Mint alternatives if your goal is to become debt fee.
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