7 Best Personal Finance Apps For 2025

There are many ways to prepare for your future, in which you have to learn how to develop yourself. You will spend time learning what you need to do to develop your mindset and create your new-self. One of the important things is that you will save and improve your finances for your future since financial stability is the stepping stone for your success. So let’s find out what is the best personal finance app in 2025 that contributes to your personal development process and saving for your future.

Plum

Plum

This is a versatile financial technology app designed and the best personal finance app that helps users effortlessly save and invest money. Plum’s cutting-edge technology enables automated savings, accessible investment options, and smart financial calculators to simplify personal finance management. The program, which is available for both iOS and Android, seeks to help people take charge of their financial health with minimal effort.

• App store: 4.7/5 rating score
• Google Play store: 4.6/5 rating score

Free features:

• Automatic deposits: Round-Ups, Weekly Deposits, and PayDay Deposits
• One interest-bearing pocket: Save money with interest
• A selection of US stocks: Start investing with a variety of stocks
• Pension and plum interest (MMF): Manage your pension and earn interest

Cost and subscription plans:

• Pro plan: £2.99 per month (or €2.00)
• Premium plan: £9.99 per month (or €9.99)

Both plans come with a 30-day free trial, and you can switch between plans or cancel at any time.

Pros

• Automatic savings: Plum uses smart algorithms to analyze users’ spending patterns and automatically allocate small amounts of money to a separate savings account. 
• Commission-free investing: Lets users invest in a broad range of stocks and funds without paying high fees, so accessible to both new and seasoned investors.
  
• High interest rates: Plum provides competitive interest rates on savings accounts, including the option to earn up to 5.2% AER with a 95-day Notice Account.
  

Cons

• Reliance on bank: Plum must link to your bank account in order to assess your spending habits and automate savings. This need may cause privacy concerns for certain users who are hesitant to share financial information with a third-party app.
  
• Subscription fees: Premium features require a paid subscription, which may be a barrier to entrance for certain consumers seeking free financial services.

Who it’s for

Plum is perfect for individuals who want to effortlessly save and invest money. It’s especially suitable for:

• Busy professionals: Persons don’t have the time to manage their capital but need to confirm they’re saving and investing in the right method.
• Beginner investors: Newbies need to endow and want a simple and thrifty way to start building their wealth portfolio
• Tech-savvy users: The one that likes using modern programs to control their capital and follow up features like automated savings and investment tools.
• Young adults and students: Those who are starting to coordinate their own funds and want an easy, intuitive app to help them save and invest for the future.

Empower (formerly known as Personal Capital)

Empower (formerly known as Personal Capital)

This is a best personal finance app that can track spending and net worth. It includes great features like consolidating accounts, budgeting, and even tracking investments and planning for retirement. It may be similar to other finance apps, but this is the best budget app that tracks your portfolio performance and allocations more powerfully. This app is suitable for beginners and can be used for free. This is the advantage of the app as many people can adapt and budget on this app without worrying about the cost.

• App store: 4.7/5 rating score
• Google Play store: 4.8/5 rating score

Free features

• Net worth tracking: Automatically track your net worth by linking various financial accounts
• Investment analysis: Analyze your investment portfolios for excessive fees and proper asset allocation
• Income and expense tracking: Monitor your income and expenses to get a clear picture of your cash flow
• Retirement planning: Run various retirement planning calculations to ensure a better financial future
• Access to financial advisors: For advisory clients, access to financial advisors remains free

Cost and subscription plans

• Monthly subscription fee: $8 after a 14-day free trial
• Annual dues: $75/year (monthly invoiced at $6.25)
• Managed portfolios: For those with at least $100,000 in investable assets, Empower offers managed portfolios with a management fee starting at 0.89%

Pros

• Best personal finance app for tracking net worth and investment: You can easily track your finance based on your history transactions. You can compare your portfolio against the S&P, Dow, or other customized measures, it’s great for pulling up historical data very quickly.
• Great reporting feature: Personal Capital using graphs for tracking your finance in a clear way. You can easily track your money in separate accounts and all your investment in one place. 
• Quick support: Errors will be quickly supported and repaired, and the customer service side will receive users’ opinions and provide quick solutions for users. Users can open a support ticket and the cause will be identified and fixed.

Cons

• No setting spending target: It does link up to your bank accounts and categorizes your transactions, but you cannot set spending targets (budget) per category. It’s only looking back to see your spending, not getting warned if you are going to overspend in months. 
• Cannot do complex splits: Users cannot track their total pay and expenses when deducting. If you have an income transaction, you cannot even access any expense categories within a split.

Who it’s for

Personal Capital is a financial management platform primarily aimed at investors and individuals focused on long-term financial planning. The best personal finance app for users with multiple investments who are looking for a comprehensive overview.

Empower (formerly known as Personal Capital) is perfect for:

• Investors: Those who want to manage and optimize their investment portfolios with detailed analysis and professional guidance.
• Retirement planners: Individuals who are focused on planning for their retirement and want comprehensive tools to project and manage their retirement funds.
• High net-worth individuals: People with substantial investable assets who seek personalized wealth management services.
• Budget-conscious users: Those who need to track their income and expenses effectively to maintain a balanced budget.
• Finance lovers: Anyone passionate about an exhaustive examination of their finances, including net worth tracking and financial flow evaluation.
  

Zeta

Zeta

In this swiftly changing world, financial management can be demanding, notably for couples and families who need to coordinate their financial activities. Zeta steps in as a modern mobile banking platform specifically designed to address these needs. By delivering a spectrum of capabilities that cater to shared and personal budgeting, Zeta is the best personal finance app that aims to simplify money matters for its users. Since it’s free, this makes it an attractive option for users who want to control their assets without producing additional expenses. However, it’s worth noting that there may be costs for out-of-network ATM usage and overseas transactions.

• App store: 4.4/5 rating score
• Google Play store: 3.5/5 rating score

Free features

• Shared banking: Create joint accounts for couples or families with up to 5 members.
• Envelope system: Organize your money by creating envelopes for bills and goals.
• Automated payments: Set up automatic payments and allocate your paycheck based on upcoming expenses.
• Instant payments: Move money effortlessly between accounts or to external accounts.
• Free concierge: Access to a team of humans and AI for personalized support.

Cost and subscription plans

Zeta has a premium subscription plan called Zeta+:

• Monthly fee: $6.99 per month
• Annual fee: $69.99 per year (billed monthly at $5.83)
• Features: Includes additional virtual cards, automation rules, and enhanced family banking tools

Pros

• Joint and personal accounts: Couples and families will appreciate this feature because they can now manage their shared expenses while still having individual accounts for their discretionary spending.
• Automated payments: This includes everything from saving a portion of money, paying bills, and setting specific rules to help automate the money management process.
• Custom permissions: Parents can restrict access to a family account to certain areas for the children, or couples can decide who controls what.

Cons

• Varied Feedback: Zeta, despite its innovations, has had varied feedback. Some users reported issues with app performance and the level of customer support received, which indicates there is room for improvement here.
• Limited accessibility: Currently users from around the globe are unable to use this application as it is only available in the United States.

Who it’s for

Zeta is the best personal finance app for: 

• Couples: Who want to manage their finances together while maintaining privacy and control over individual accounts.
• Families: With multiple members who need to collaborate on shared expenses and savings goals.
• Tech-savvy individuals: Aged 18-35 who prefer digital solutions for managing their finances.
• Busy professionals: Who need automated tools to handle their money management tasks.

EveryDollar

EveryDollar

If you’ve heard of Dave Ramsey for his beneficial financial guidance and smart spending recommendations, then the EveryDollar app by Ramsey Solutions is a fantastic starting place to learn how to budget and improve your budget skill. This is the best personal finance app that allows you to connect multiple financial and banking accounts, and it tracks your payments and live transaction monitoring.

• App store: 4.7/5 rating score
• Google Play store: 3.7/5 rating score

Free features

• Create and track budgets: Build and manage your budget on any device
• Track transactions: Manually enter and categorize your transactions
• Set spending limits: Keep tabs on your spending and avoid overspending
• Access budgeting resources: Get access to articles and resources to help you budget effectively

Cost and subscription plans

• Monthly fee: $17.99 per month
• Annual fee: $79.99 annually (billed each month at $6.66)
  
• Free trial: 14-day free 

Pros

• Zero-based budgeting: This method will help you budget better. You will control your spending without going over the limit you set. Even if your income is not fixed, this method is completely suitable and zero-based budgeting to adapt to your finances.
  
• Financial coaching: If you require more assistance, consider subscribing to EveryDollar Premium. Furthermore, you receive access to group coaching sessions with financial advisors to help you keep your finances in check. Matters include financial organizing, debt, investing, and expanding your revenue.
  

Cons

• Limited free feature: You can only manage your finances manually and cannot link to your bank account when using the free version.
  
• Time-consuming: Because the app uses a zero-sum budgeting approach, you’ll have to manually enter each of your transactions into your account, as well as create a budget and set financial goals.
• Some users have had trouble connecting their bank: Some users have reported trouble connecting their bank to the app and recommend entering transactions manually instead.

Who it’s for

EveryDollar is the best personal finance app for people wishing to improve their budget management. The app’s zero-funds method can be a somewhat tough to get accustomed to for beginners, but if you stay the course, your experience will skyrocket and your efforts will be rewarded.

EveryDollar is ideal for:

• Individuals seeking financial control: Those who want to take charge of their finances and create a zero-based budget.
• Debt repayment enthusiasts: People looking to pay off debt faster and build lasting wealth.
• Savings goal setters: Individuals who want to set and track savings goals effectively.
• Budgeting novices: People just starting with budgeting who need a straightforward, intuitive tool to kick off.
• Dave Ramsey followers: Fans of Dave Ramsey’s financial teachings who want to follow his “7 Baby Steps” method.

Honeydue

Honeydue

This is a great app for couples who want to manage their finances together. It’s also versatile enough for use with family, friends, or siblings. This is the best personal finance app because you can control what your partner can see, you can hide certain income or different items that you don’t want them to see while using the same account. You can also text in real-time. For example, when there is a new transaction that the other party spends, you can immediately ask the other party where the money went.

• App store: 4.5/5 rating score
• Google Play store: 3.9/5 rating score

Free features:

• Account tracking: Connect your bank accounts, loans, and investments to monitor everything in one place.
• Bill reminders: Avoid late fees by setting up bill reminders – no more missed payments.
• Expense tracking: Monitor your spending and categorize transactions.
• Chat function: Communicate with your partner about specific expenses and bills within the app.
• Joint cash account: Create a joint account with a free debit card.
• Security: Industry best practices for protecting your financial data.

Cost and subscription plans:

Honeydue does not have a premium subscription plan; it is entirely free to use.

Pros

• Easy to use:The utility and interface are optimized for couples to easily manage their finances together. The items are clearly divided so that users can classify and know which money belongs to whom.
• Bill tracking and reminders: Reducing the risk of late payments by tracking their bills and updating payment reminders function.
• Free to use: The free version is perfect for couples who are on a budget or just starting to navigate their finances together. It’s a great way to get started without any extra costs.

Cons

• Limited customer service: Although customer service is limited, you can still rest assured to use and wait until these errors are resolved (usually within a few days). This will not affect your daily activities with your lover. The expenses of the two of you can still be supplemented after the error is fixed.
• Advertisements: One annoying thing about using the app for free is that it contains ads, which can be distracting for users.
• Limited features: This app is designed for couples, so its purpose and features are limited compared to some other personal finance apps. The app lacks some advanced features like investment tracking or in-depth financial planning tools.

Who it’s for

Honeydue is great for couples. If couples struggle with financial communication or want more transparency in their financial dealings, Honeydue makes it easy to see a complete picture of their shared finances and provides a common platform to track and discuss finances.

Honeydue is ideal for:

• Couples: Who want to manage their finances together and improve transparency.
• Families: With multiple members who need to collaborate on shared expenses.
• Individuals seeking financial clarity: Who want to keep track of their joint expenses and financial goals.

Simplifi by Quicken

Simplifi by Quicken

If you seek a comprehensive overview of your finances, Quicken’s Simplifi app is a great choice. You can integrate all your bank accounts, and your transactions will be visible in the app. Nonetheless, you will have to pay to use Simplifi to be able to experience all the great features it brings. But if you feel that this amount is not a problem for you, what you spend will be completely worth it and meet your financial management needs. Simplifi not only helps you track and organize your money but also has features.

• App store: 4.1/5 rating score
• Google Play store: 2.8/5 rating score

Free features:

Simplifi by Quicken offers a 30-day free trial for new users. During this period, you can explore all the features available:

• Real-time alerts: Get notified about upcoming bills, large transactions, and balance limits
• Automatic spending categorization: Simplifi automatically categorizes your spending, but you can also create custom categories
• Reports: Generate detailed reports on spending, income, savings, and investments
• Savings goals: Create and track unlimited savings goals across all your accounts

Cost and subscription plans:

After the free trial, Simplifi offers two subscription plans:

• Monthly fee: $5.99 per month
• Annual fee: $69.99 per year (billed monthly at $5.83)

Pros

• Intuitive design: Simplifi exhibits a streamlined, intuitive layout that simplifies the way of controlling your finances, even for budgeting app beginners.
• Robust budgeting features: The app Furnishes comprehensive budgeting tools, including spending plans (to distribute income), watchlists (to observe spending in specific categories), and savings goals with progress monitoring.
• Automatic transaction grouping: Simplifi smoothly sorts your transactions, eliminating the necessity for manual insertion and making it easy to track where your money goes.

Cons

• Paid-only version: You will need to pay to use the application. However, the integrated features are extremely useful for managing your finances and building a strong financial foundation for your future.
• Restricted investment tracking: The app can monitor basic investments, but it’s not as robust as specialized platforms like Personal Capital. For detailed portfolio analysis, consider a separate app.
• Intermittent syncing problems: Some users report occasional disconnections or transaction import issues, though this seems to have improved over time.

Who it’s for

Simplifi by Quicken is a user-centric budgeting app and the best personal finance app for users in search of an intuitive and easy-to-navigate application that makes managing their personal finances easy. It does a great job of watching expenses, budgeting through its “Spending Plan” feature, tracking specific expenses with its “Watchlist,” and advancing toward financial objectives effortlessly.

Simplifi is ideal for:

• Individuals seeking simplicity: Those who want a straightforward tool to manage their finances.
• Budgeting enthusiasts: People who want to create and track budgets effectively.
• Savings goal setters: Individuals looking to set and achieve savings goals.
• Investment trackers: Users who want to monitor their investments and net worth.
• Tech-savvy users: Those who prefer modern, intuitive interfaces for financial management.

Song Nhi

This is an AI-integrated budget management application called Song Nhi. To get a more comprehensive view of your financial situation, for example, if you want to know how much money you spent last month or how much money you received, you can chat with AI to know exactly your spending habits.

Song Nhi App

At the same time, if you want to quickly get results when using the application, the application supports the Mic talk function for you to easily chat with Song Nhi without worrying about wasting time. In addition, this is the best personal finance app that gives you instructions, such as financial management for those who are not familiar with the application and increases efficiency in creating a spending mindset.

• App store: 3.8/5 rating score
• Google Play store: Not available

Free features:

• Add transactions: Manually input your income and expenses to keep track of your finances
• View/edit report: Review and modify financial reports to maintain accurate records
• Basic chat with Song Nhi: Interact with the app for financial advice and transaction inputs
• Manage transactions: Organize and categorize your financial activities for better budgeting
• Data stored in device: Keep all your financial data securely stored on your device

Cost and subscription plans:

Song Nhi uses coin for purchasing plans: 

Subscription packages

• 100 coins / month: $3.99 per month
• 200 coins / month: $5.99 per month
• 500 coins / month: $10.99 per month

One-time packages

• 10 coins: $0.99
• 100 coins: $4.99
• 200 coins: $7.99
• 500 coins: $15.99
• 1000 coins: $24.99

Meanwhile

• Personal Premium: 100 coins/month
• Family: 150 coins/month
• Group: 5 coins/day

Pros

• Advanced technology: The app utilizes NLP, AI, and OCR to provide a seamless financial management experience. These technologies enable Song Nhi to understand user inputs, recognize receipts and invoices, and offer personalized financial advice.
• Personalized support: Song Nhi allows users to chat with the app to add transactions, view reports, and get tailored financial advice. This feature helps users manage their finances more effectively by providing real-time support.
• Multiple profiles: Song Nhi offers various profiles, including Personal Free, Personal Premium, Family, and Group. This flexibility caters to different financial management needs, making the app suitable for individuals, couples, families, and groups.

Cons

• Mixed reviews: While many users appreciate Song Nhi’s features, others have reported issues with functionality. Some users have experienced glitches and bugs, which can hinder the overall user experience.

Who it’s for

Song Nhi is excellent for users aiming for a simple and intuitive way to oversee their finances. The app’s accessible design and innovative technology make it a great choice for those who want to track their gains and expenditures, organize bills, and plan for Monetary targets without much hassle. This is the best personal finance app for:

• Individuals seeking financial freedom: Those looking to escape the “rat race” and achieve financial independence.
• Couples and families: Who want to manage shared finances and work towards common goals.
• Groups: Managing shared expenses for trips, parties, or roommates.
• Tech-savvy users: Who prefer managing their finances through intuitive digital solutions.

You might also read:

• Is American Express a Good Credit Card?
• How To Budget Money On Low Income?

FAQ