The Top Free Budgeting Apps You Should Use Now

Budgeting your finances in 2025 is very difficult. There are more expenses today to worry about, such as insurance, mortgage, food and groceries, and even other expenses like subscriptions and mobile data.

With this in mind, you might want to find a solution so you can still afford all of these things without wasting a lot of money. This is where budgeting apps become very useful. 

They help you balance your income with your expenses, leaving you with room for savings. Here are the top free budgeting apps you should use now and why you should use them.

What are Budgeting Apps?

Budgeting apps are commonly used as a way to help resolve your financial difficulties. 

It is generally used by connecting your financial accounts, tracking your spending, and categorizing your expenses so you'll know where everything goes. 

This helps you make a more informed decision about where your money is going. Budget apps offer various features depending on your needs. 

Some offer better analytics into your spending habits, while others help you calculate your income to help you budget for your needs.

Why are Budgeting Apps Useful?

Budgeting apps are handy nowadays. If you're unable to track all your expenses, you may need a budgeting app. The app helps streamline and organize your finances, ranging from expenses to your income. 

It can also help you improve your financial planning and decision-making based on the information provided on the app. 

With the help of budgeting apps, you have better financial awareness because you're able to track your income and expenses. Finally, having access to your finances can help you make better decisions.

Top Free Budgeting Apps You Should Use Now

Tracking your expenses is the first step to managing your finances. Having budgeting apps allows you to take a good look at your spending habits and modify them to help achieve your financial goals. 

Knowing where you stand with your money is very important if you want to take full control of it. 

Here are some of the top free budgeting apps that you should use now.

Plum

Plum is a free-to-use budgeting app that lets you save and invest your money. The mobile application is commonly used to link all of your financial accounts so you can track your expenses. 

Learning more about your spending habits is critical if you want to take full control of your finances. You can also use the app to invest in stocks and funds or make investments for your retirement. 

Users can even automate deposits into their savings accounts and receive notifications for upcoming bills.

Emma

Emma is another perfect example of a free budgeting app that you can sync with compatible bank accounts. The app can be used as a savings account with an average variable interest rate starting at 4.71%. 

It is one of the highest that you can get from any free budgeting app on this list. You can also trade and track your investment through the app. 

However, its best feature is the expense tracker. The app categorizes all your expenses, ensuring you can keep track of them all.

Dollarbird

Dollarbird lets you manage your finances with the help of a financial calendar. In this app, you can save and forecast your money through its intuitive interface. Dollarbird helps you plan for your future through savings. 

Its main feature is the use of AI to learn from your spending habits and predict how you should spend your money. 

You can also set up a joint budget plan with your loved ones. Note that while the app is free, you can always upgrade to the pro version to unlock additional features.

Dobin

Managing your finances means having all the information about your money. With the Dobin app, you can link all of your credit cards and bank accounts so you can track your expenses. 

It automatically tracks your spending, letting you know how to use your money wisely and adjust your financial goals. Another great feature of Dobin is that it also compares different credit cards by rewards and their benefits. 

This should give you a good idea of how to use your credit card to minimize expenses with the help of its features and perks.

Money Manager

Money Manager takes simplicity to the next level. Once you download the app and use it, you see everything on the home screen. 

It's an app that integrates efficiency into its features. You can see all of your transactions across all of your accounts and let you review your spending based on its calendar feature. 

You can organize your expenses and set clear budgets for each expense. It will notify you if you go over the specified budget. With Money Manager, you don't even have to track all of your spending, as the app does it for you.

Monny

Budgeting can sometimes feel like a chore, and it can drain you when you see your money slipping away. 

This is why people are using Monny to gamify their budgeting experience. With the Monny app, you can check your budget, monitor expenses,  get comprehensive reports, and manage your finances. 

All of the features are treated as mini-games, and together with its theme park motif, you'll surely have more fun budgeting and managing your finances.

YNAB

YNAB, or You Need A Budget, changes the way you approach budgeting and managing your finances. The app assigns a goal to every dollar, prioritizing savings. 

This gives you more time to question your expenses and helps you understand your spending habits. The app's interface makes it easy to navigate and access the information you need. You can manually track your expenses by linking all of your accounts. 

If you have loans, you can also include them in your account. It even calculates how much you can save for every dollar that you pay.

Conclusion

Budgeting your limited finances is very difficult. You don't know where to put your money to good use, which is why budgeting apps are currently being used. 

Download these budgeting apps to help you manage your finances and achieve your financial goals this year.