8 Apps to Help You Stay in Control of Your Finances in 2025

Quicken Simplifi: Budget Smart

Simplifi is one of the best and most complete budgeting apps on the App Store. With it, you can keep track of everything and know what your money is doing at all times.

To start, you can set up a budget and update it in real-time. That way, you'll always know how much money you can spend during the month. 

Another great feature is that you can set up savings goals. Whether you want to buy a new phone or prepare for a trip at the end of the year, you'll be able to see how much money is going toward each goal every month.

Besides helping with personal finances, the Simplifi app can also keep track of investments and business accounts, making it a complete finance app that everyone can use.

EveryDollar: Personal Budget

If you follow Dave Ramsey, you've probably heard of EveryDollar, as it's part of his finance apps that will help you control your money. 

EveryDollar is a zero-based budgeting app, meaning you have to assign all your money to a specific category until there's no money left to assign. This approach will help you know how much money you have and eliminate any wrong guesses you might make during the month.

With EveryDollar, you can also create different goals for your money, like a trip or a class you want to take. The app will keep track of your progress and let you know if you're behind or ahead of them. 

Another great feature is that you can connect your bank accounts and let the app automatically handle all your tracking. You won't have to make any inputs, but you'll still know where your money is going at a simple glance.

What's great about the app is that you can use it for free, but if you want to upgrade to a paid subscription, you'll get a ton of extra benefits, including live Q&A sessions with professional financial coaches.

YNAB: You Need A Budget

YNAB, or You Need a Budget, is a simple but powerful budgeting app that will help you understand where your money is going. Like EveryDollar, YNAB uses a zero base budgeting app, but here, the app calls it "give every dollar a job." You'll assign all the money you earn during the month to a specific category until you have nothing left that hasn't been given a "job."

With the YNAB app, you can create different categories to cover all your current monthly expenses as well as some occasional hidden expenses. For instance, if you have a yearly Disney+ subscription, the app will suggest you start saving money now so it's easier to pay when the time comes.

The app also lets you set goals for how much money you want to save for a specific category and reminds you every month on the minimum you need to add to stay on track.

Extra features include the ability to sync your bank accounts so you don't have to do the heavy work and the ability to see your current net worth and spending trends. There's even a section with tons of videos and materials to help you improve your relationship with money.

Unfortunately, YNAB only offers a free trial, and you'll have to pay to use it. With that said, the app is so good that it claims most users manage to save up to $6,000 in their first year, making it a pretty good investment. 

Or, if you're a student, you can apply for a college discount, which will give you access to the app for free for a whole year.

Honeydue: Couples Finance

Honeydue is a different kind of app, but it will be extremely helpful for married people or couples who live and share expenses. 

With Honeydue, you and your partner can easily track your finances. Both can connect to the same budget and see how you spend your income. The app features an easy-to-understand feed showing all your household expenses and who made them.

If you want to ask your partner more about a specific payment, you don't have to go to another app; you can start a chat inside Honeydue and share the particular activity with them.

The app also lets you schedule specific recurring expenses, like monthly bills, so you can coordinate how much money will go to each payment before you spend money on something else.

Another cool feature is that Honeydue lets you track your investments without leaving the app. You can start investing and see how well you're doing together.

Robinhood: Investing for All

If you want to control your finances, you must prepare for the future. Most people don't have enough money to retire when they're older, but you can prevent that by using the right investing app. One great solution is Robinhood.

What makes Robinhood a great investing app is how easy and accessible it is. You can trade anytime and anywhere with nothing but your iPhone. You can also invest in many different assets like stocks, ETFs, and even Crypto, although we recommend starting with something less risky.

You can invest in a company you like and forget about it for years or be more active with your investments by trading more frequently. Whatever option you choose, Robinhood has the tools, advanced charts, and market data to make trading or investing easier. The app also offers trading without any commission fees, which is one of the reasons why it's so popular.

Even if you don't want to start investing right now, the Robinhood app can give you some extra cash just by having money in your account. The app offers up to a 4% annual percentage yield (APY) for the uninvested money you leave on your account. 

IBKR Mobile - Invest Worldwide

IBKR is the Interactive Brokers' mobile app, and it's one of the best places to start investing for the long term.

Interactive Brokers has been around for a long time, and for good reason. The platform offers low costs and commission fees when you start investing, lets you invest in many different assets, and has access to over 130 markets in over 30 countries worldwide.

You can start investing your real money or try a demo account to learn about the features available.

Granted, the mobile app could use a bit of work. It's functional, and you'll get used to it over time, but it's not as easy to use as other mobile apps — and the same goes for the desktop app. That said, IBKR is a great place to invest if you want to be backed by a reputable company that's been around for decades.

Acorns: Invest For Your Future

Acorns is a different kind of investing app, but one that will make your money work for you.

Acorn's most significant selling point is that it will help you invest your spare money. For instance, if you buy a coffee that costs $3.50, the app will round up to $4 and invest $0.50 for you. Of course, it's not much money now, but over time, you'll have invested a lot of money without any of the hard work.

Acorns can also help you save money with its savings account. You can contribute to your IRA, and the app can match up to 3% of it, allowing you to fill your retirement account that much quicker.

Another great thing about the app is that it doesn't just invest for you; it teaches you more about money and finances. You can watch videos, read articles, and take courses where you'll learn more about saving and investing. You can even attend live Q&As with financial experts.

Bobby - Track subscriptions

One of the reasons it is hard to track your money is because of all the subscription services most of us use. Whether it's the gym, Netflix, or your mobile plan, monthly subscriptions are a dime a dozen, and it's hard to keep up.

Fortunately, apps like Bobby make it extremely easy to stay on top of your subscriptions. The app comes with a list of standard subscriptions you can add to your account and you can also create personalized subscriptions. You can then add them to different categories so it's easier to keep track of them. 

After you add everything, you can see all your subscriptions in one place and be notified when your bills are due. This will give you time to consider whether the subscription is worth it or if you should cancel it before it's too late.

Overall, the app is pretty straightforward, but it comes with the tools you need to never be surprised by an unwanted subscription payment ever again.