Guest Blogger Hannah H.
Just as money ebbs and flows, so does new technology. The tools available to help you manage your finances are constantly evolving. Whether you’re saving for retirement, planning to buy a home, or finally taking that dream vacation, having the right financial app can make all the difference.
We’ve compiled a list of the top 10 money management apps for 2025 to help you build financial freedom and reach your goals. These apps cover a range of needs, from beginner budgeting to advanced investment strategies. Some offer free plans, while others provide premium features for a fee.
With so many options out there, this list makes it simple to find the app that’s right for you. Explore the innovation these apps have to offer and start your journey to financial freedom.
Empower helps manage your finances by bringing all your accounts, from checking, savings, credit cards, loans, and investments, into one clear view. One of its unique features includes categorizing your recent transactions so you can easily see where you spend your money.
For investors, Empower tracks your net worth and portfolios and provides access to financial advisors for personalized strategies. Plus, its high-yield cash account offers a 3.75% APY, which is 8x the national average.
This free app features a user-friendly Personal Dashboard and expert insights via their Currency blog. Empower’s intuitive design and practical features make it a top choice for both budgeting and investing.
YNAB is based on a zero-based budgeting system, meaning that it prompts you to input a plan for every dollar you earn. The app encourages mindful money management, providing advice on how to allocate your earnings intentionally.
Additionally, with real-time syncing across devices, YNAB makes budgeting accessible wherever you are. It also includes educational resources like workshops on wealth building, retirement planning, and budgeting strategies to help you reach your financial goals.
The app offers a 34-day free trial, followed by a subscription of $14.99 per month or $109 per year. College students get a year free, and you can share your subscription with up to five other people to cut down on costs.
Honeydue is a financial management app specifically designed for couples. It consolidates both of your accounts in one place, helping you track shared and personal expenses. You can set spending limits and receive alerts when either of you is close to reaching them.
Once you sync your accounts, Honeydue automatically categorizes all of your expenses. You can also go in and easily create customized categories to fit your needs.
With built-in messaging, you can communicate about upcoming bills or your financial goals. Honeydue also allows private settings for individual accounts, so you can manage what you share.
Based on the envelope budgeting system, Goodbudget also divides your finances into specific categories. These categories, or envelopes, as they’re called, help you organize your money for expenses like groceries, rent, or savings.
Although the app doesn’t automatically link your accounts, you can choose which ones you would like to add and then manually do so. Goodbudget is a straightforward app for anyone who prefers a hands-on approach to managing their finances.
The free version lets you manage one account with a limited number of envelopes to try out the system. For $10 per month or $80 per year, Goodbudget Premium unlocks unlimited envelopes and additional features, like automatic bank syncing, for more comprehensive budgeting.
Rocket Money makes cutting back on unnecessary expenses simple. It identifies subscriptions and recurring charges you might have forgotten about, helping you cancel or adjust them to save money.
The app also offers tools to track your spending, set financial goals, and automate savings with its Auto-Pilot feature. This function analyzes your habits and transfers money into savings at the best times.
Furthermore, the bill negotiation service is another unique feature for premium members. Rocket Money will call service providers, negotiate better rates on your behalf, and even help you secure refunds for overdrafts or late fees.
Origin simplifies financial management by consolidating everything into one, easy-to-use platform. You can track subscriptions, bills, and investments while also preparing for tax filing or estate planning.
Its AI assistant, Sidekick, acts as a personal financial advisor, offering guidance on budgeting, emergency funding, and retirement planning. Origin also has a couples feature so you and your partner can keep track of your finances together.
Named one of the best budgeting apps by Forbes in 2024, Origin combines a user-friendly interface with robust security to protect your data. You can try the app free, then subscribe for $12.99 per month or $99 per year.
Known for its humor and making financial management fun and accessible, Cleo has become popular among Gen-Z and Millennials. After connecting your accounts, Cleo tracks your spending, offers budgeting tips, and helps you build your credit.
With its intuitive AI-chat feature, Cleo delivers financial advice in a funny and sarcastic manner. It’s perfect if you’re just starting out with managing your finances and everything seems a bit daunting.
One standout feature is Cleo’s cash advance service, which provides up to $250 with no interest or credit check. The app is free to use, with optional subscription plans starting at $5.99 per month.
While Mezzi is really great for investors, it also provides many perks for anyone looking for a unified way to manage and build wealth. It combines all your accounts, including investments, into a dashboard with real-time market insights and performance tracking.
Key features include personalized tax optimization strategies, portfolio rebalancing, and AI-powered recommendations for minimizing fees and maximizing returns. Mezzi’s AI assistant offers tailored advice on investments, risk management, and financial planning, making it suitable for both beginners and seasoned investors.
Ultimately, Mezzi acts like a personalized investment advisor without the hefty fees. You can try it for free or pay $199 per year for unlimited access to its AI chat and performance analyses.
Wealthfront is a leading robo-advisor, also known as an automated investment app. It offers features such as portfolio management, tax-loss harvesting, and automatic rebalancing, helping you simplify your investments and understand your finances.
The app also includes a high-yield cash management account and the Path tool, which lets you set and track financial goals. For those interested in stocks, Wealthfront provides tailored advice and investment strategies to suit your goals.
Whether you’re an experienced investor or just starting out, Wealthfront helps you manage your finances in an easy and accessible way. You can begin with as little as $500, and management fees are kept at an annual percentage of 0.25.
Betterment is another robo-advisor that helps to simplify your investment process. It supports goal-based financial planning, including IRAs for retirement savings with tax benefits.
The app also provides socially responsible investment (SRI) portfolios that allow you to exclude certain sectors, such as fossil fuels. Additionally, Betterment includes two cash management accounts: Cash Reserve for high-yield savings and a checking account with no fees and ATM reimbursements.
For personalized guidance, the premium plan offers unlimited consultations with financial advisors. Betterment charges a 0.25% annual fee for its basic plan or 0.40% for premium, and you can start investing with no minimum balance.
Take control of your financial future with these innovative apps. Whether you're a couple managing shared expenses, a young professional learning money management skills, or an investor looking for automated guidance, there's an app designed to meet your needs.
Build a stronger financial foundation by choosing the right combination of solutions for your unique situation. Whatever your motivation – be it saving for retirement, planning for a home, or taking that dream vacation – it all starts with your financial health and wellbeing.
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