Best Free Budgeting Apps

Best Free Budgeting Apps For Beginners 2021

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Best Free Budgeting Apps

Budgeting. It’s become a lost art among much of the more current generations. In fact, money is rarely discussed or taught in schools and hasn’t been for quite some time. This unfairly puts many people at a severe disadvantage.

But did you know that you can stay ahead of the curve with the help of the best free budgeting apps that are available on Android and iPhone? Now you can improve the way you handle your income and turn the tide in your favor. 

The economy was doing well for a while, but many unfortunate events have taken place in recent months that have caused uncertainty and panic among much of society. Seeing the potential writing on the wall, we decided it was time to seek out the best free budgeting apps 2021 has to offer.

And that is what we’re going to share with you today. No longer do you have to struggle with your finances. With the help of these handy apps, you can learn how to live comfortably and stress-free, regardless of your income.

Best Free Budgeting Apps


If you’ve looked into budgeting apps for any length of time, then you have likely heard of Mint. In what is largely considered the pinnacle of budgeting tools, Mint has a lot going for it that will benefit anyone wanting to manage their money better.

Not only does it update all of your transactions, but it neatly arranges them by category, as well. This allows you to have a continual real-time profile of everything you spend. What’s more, Mint lets you plug in your own categories so that your finances are laid out in a way that works for you.

Mint also makes it easy to keep track of all of your bills and will even alert you if you’ve gone over your established budget. 

Perhaps most importantly, Mint provides credit score monitoring so you can plan around improving your credit. As one of the best free apps for budgeting, Mint is definitely worthy of your consideration.

Get started with: Mint


The aptly named EveryDollar app is centered on the zero-based budget method. Essentially, it works on the model of whatever you spend is what you make. In other words, every dollar counts. 

EveryDollar works on a basic structure that allows you to enter in a transaction every time you make a purchase. This makes it easy for the user to closely monitor their budget at all times as long as you are diligent about plugging in your purchases.

If you’re in a hurry to get a budget established, EveryDollar is a great place to start. In just 10 minutes or less with this app, you can be set up and ready to track your spending.

The base version of the app is free. However, you can upgrade to a Plus version that lets you tie in your bank account for real-time budgeting. Just know that the EveryDollar Plus app costs money, so make sure that it’s something you can comfortably budget for before investing in it.

Get started with: EveryDollar


PocketGuard is a simple yet effective little app that lets you know what kind of money you have left to spend. The app does a fine job of crunching numbers after bills are accounted for you know exactly what finances are available in your budget. 

We like that PocketGuard can be set up to display remaining finances for the month, week, or even for just one day. If you like to micromanage your expenses, this app is a great way to do it. There are even categories that you can plug in to more closely monitor where your money is going.

Say you want to keep an eye on your grocery money for the week or watch your spending that goes toward eating out. PocketGuard simplifies these aspects of your spending so that you always know how much capital you have remaining in any given category.

Best of all, PocketGuard is completely free to use. So if you’re ready to get a budget started, download the app and start saving.

Get started with: PocketGuard

Clarity Money

Clarity Money is another free budgeting app that takes the headaches and hassles out of monitoring your spending. As a free app, Clarity Money is pretty comprehensive. It’s compatible with thousands of financial institutions to ensure that you are able to easily sync up to your bank.

Anything that you spend can be neatly organized by category so that it’s easier for you to watch where your money is going. We really appreciate that Clarity Money includes credit score monitoring, as this is important for anyone looking to better themselves.

Thanks to its free status, you can get started budgeting your finances right away. And there’s no better time to start a budget than now.

Get started with: Clarity Money


Goodbudget works by the envelope budgeting method, which is essentially setting aside capital for specific spending areas. For instance, if you want to ensure that you have enough money for your phone bill, you can use the envelope budgeting method to sock away that monetary amount each month. 

Before budgeting apps were prevalent, people would sometimes stick specific amounts of money in an envelope and not touch it under any circumstances. This was an easy and effective way to make sure you always had your bills covered.

With Goodbudget, however, you plug your own finances into a virtual envelope. The amount you enter from your bank account stays in there until it’s ready to come out for the bill in question. 

Instead of categories, you have “envelopes” that help you keep track of where your money is going every month. There are two versions of Goodbudget that you can use to budget your finances. 

The basic version lets you sync up to one bank account across two devices, while the Plus version allows for unlimited bank accounts across five different devices. You can choose to pay for the Plus version per month or annually, which is a little bit cheaper than if you were to pay monthly for 12 months.

Get started with: Goodbudget

Wrap Up

Whether you need the best free budgeting apps for iPhone or the best free budgeting apps for Android, these companies have your needs covered. There’s no better time to get control of your money and start working toward financial freedom.

More from us: Dosh App Review

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