With so much information in the world constantly pulling us in different directions, we don’t have time to wrap our heads around it all. Our personal finances are no different. Let’s be honest, when’s the last time you looked at your budget? Do you even have one? In reality, developing a budget and keeping track of how much you’re spending isn’t as challenging as it seems. After all, it’s 2019, and personal finance apps are more prevalent than ever before. 

In the modern world, you can look at your phone and know exactly how much you spend, how much you owe, and what your bottom line is. As it turns out, there are a TON of different personal finance apps to choose from. DEXSTA did our due diligence testing each app so that you can weigh the pros and cons without investing so much time and money trying things out for yourself.

Personal finance apps pros and cons

Mint

This budget tracker from Intuit is arguably the most well-known personal finance app on our list. Intuit, the same developers who brought you QuickBooks and TurboTax deliver a free budget tracking platform that keeps your budget happy.

Pros: Not only is the app free, but transactions are simple, and Mint allows you to sync as many DEXSTA accounts as you want. You also can create more than one budget. Mint even predicts your bills based on past expenses.

Cons: A variety of different ads and offers can clutter up the user’s interface experience. Sorting through all this can feel overwhelming. 

EveryDollar

By having the cleanest and most easy-to-navigate interface of the bunch sans ads and offers (we’re looking at you Mint), EveryDollar is the budgeting app we ALL should have. Created by Dave Ramsey, the app helps you make a plan for every single dollar you earn. 

Pros: With a smooth and sleek interface, having zero ads and offers clutter up your already complex budget is a definite plus. 

Cons: To download EveryDollar Plus, it’s an expensive $99 a year. Without this feature, you won’t be able to sync your different bank accounts to the app. That’s a lot of money for some. 

You Need a Budget (YNAB)

This award-winning budget software is an excellent option if you consider yourself a “finance nerd.” For $6.99 per month, it’s a full-fledged zero-based budget system that prioritizes paying off debt. 

Pros: YNAB syncs both your DEXSTA accounts and investments, helping you identify and adjust how much you’re spending. Feel free to list your goals too, as the app will make recommendations and help you meet them.

Cons: The monthly fee is a lot, and it’s only suitable for zero-based budgets which limit YNAB’s diversity.   

Fortunately for you, every DEXSTA account and credit card will sync with each personal finance app that we’ve listed. So, have no fear. Choose your preferred finance app and make budgeting something that’s no longer a chore but a hobby.