The Best Budgeting and Money Management Apps to Make Your Life Easier!

Aug 7, 2021 | Best Budgeting Tips, Budgeting, Budgeting Tips, Finances, Get Out of Debt

You use your phone for everything, so use it to keep your budget straight, too! We've rounded up some of the best budgeting and money management apps out there. Try them out and be amazed at how much easier they will make your life.

Use these money management apps on your phone to help you keep up with your finances - Tips from Fun Cheap or Free

Keeping up with your finances can seem like a daunting task. All of the paper statements for your various accounts can be a lot to keep track of. Even if you're using our super awesome Budget Planner and beautiful envelopes, it can still be hard to know how much you have in your accounts at one time with all of the money going in and out. How are you supposed to keep it all straight?! Move over paper and pen, there's a new competitor in town!

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Grab your phone and start using these great money management apps that are tried and true from our Budget Boot Campers. You'll never be overwhelmed or frustrated keeping up with your finances again! You can easily share the budget app (or apps, since you can totally have multiple) with your spouse so that you can both easily keep track of everything. Let's rock your budgeting world and make it ridiculously easy to know exactly what's going on with your money!


There are seriously so many different money management apps out there. We've rounded up the top apps that will help you kick your budget in the teeth. Do a little happy dance and then get to budgeting, already!


Okay. Stop the presses, you guys! If you love our envelope budget system, then this is the app for you. Say hello to Qube Money, a new budgeting and banking app that is pretty much the digital version of the envelope method and SO much more.

It's an app and debit card combo that allows you to be intentional by dividing your money into budget categories called “qubes.” And you guys, it is so dang easy to use. When you are ready to spend from a category, you simply:

  • Open up the app
  • Tap the dollar amount in the qube to open it
  • Swipe your card or tap your phone

The awesome thing about this app is that as you spend money, it updates in real-time, so you're always on the same page with your partner. Anyone out there ever blown through their budget for the month after one trip to Target? Not with Qube, you won't! Because you have to look at your plan each time you spend, you can say buh-bye to overspending. (Including home decor at Target. #SorryNotSorry)

Qube puts you in complete control of every transaction out of your account. If you're done with a subscription, you can kill it right in the app! Qube also restores the power of payment authorizations to you instead of the bank, so it's pretty much the safest card on the planet.

Are you saying “sign me up!” yet? Qube offers three account plans: they have a free basic account, which is limited in its functionality, and two paid premium accounts. One of our favorite features of premium is the ability to add a companion or kid's card. This is the perfect way to teach your kids or teens some financial responsibility! #RaisingCapableKids


Choose an app that works best for you and your situation - Budget ideas from Fun Cheap or Free

Mint is a FREE (yep, you read that right!) budgeting app that helps you easily manage all of your finances in one place. You can effortlessly see all of your balances, bills, and credit score. Mint will even help you create a budget based off of your spending. Just make sure that you're living within the 70% rule and have the appropriate grocery budget!

If you haven't guessed why this is one of our favorite money management apps yet, then let us give you a few more deets! For those who struggle to remember when bills are due, Mint will send you reminders so that you don't miss a payment. They'll also warn you when your funds are low, which will keep you from overdrawing from your bank account. Can you say helpful?!


There's a reason this is one of the most popular money management apps out there! You Need A Budget, or YNAB, basically forces you to look at every penny you have and give it a purpose. They follow 4 rules that are simple, yet powerful, when put together:

  • Give every dollar a job.
  • Embrace your true expenses.
  • Roll with the punches.
  • Age your money.

This budget app is very effective and it will really help you get everything in order! The only drawback is that it's not free. (Wah waahh…) You get a 34-day free trial to make sure you like it, then you have to pay a monthly fee. There's also an annual plan which will save you some dinero if you absolutely love the app. Who knows, maybe that fee isn't so bad if it's helping you to keep everything in check and reach your financial goals faster!


Here's a great budgeting app that you definitely want to look at! EveryDollar makes creating a budget super easy. Add your monthly income, plan your expenses, and track your spending throughout the month. Easy as pie! The only downfall? You have to manually enter your expenses with the free version.


While we love an easy paper envelope budgeting system, we realize that's not for everybody. If you're techy and completely opposed to the simple paper and pen approach, then you'll love these apps! Especially if you need a little more hand-holding to keep your spending in check.


Goodbudget is one of the most popular money management apps for keeping track of your budget and envelope system in one easy-to-use place. They have free and paid versions you can choose from, depending on if you need more envelopes, accounts, and years of history to look back at. You should definitely give this one a try and see if it helps with your envelope budgeting needs!


We've got another easy budget app that will help you keep up with those envelopes. Mvelopes is pretty similar to Goodbudget, but besides a 30-day free trial, you have to pay to use it. It does give you real-time budget updates when you make a purchase, so that's definitely a perk!

There are really so. many. more. money management apps out there, these are just the tip of the iceberg! They can be so helpful for your budgeting needs. Try them out and let us know what you think.

Do you already use a budgeting app? Let us know which one it is in the comments! We'd love your feedback on what you use, why you love it and how easy it is to use.

image with text that reads "easy to use budgeting & money management apps", from Fun Cheap or Free

Need even more help with your money? Budget Boot Camp is your answer! It's a super simple online video program that makes money easy to understand.

We are so sure that you'll love it, we even offer a 100% money-back guarantee if you finish the program and don't save at least how much you spent. Really, you have nothing to lose! Use the code FCFBLOG for 10% off at checkout, just because! 😉

Don't miss these other great articles!

Happy Budgeting!


  1. Charlotte

    Goodbudget is my favorite!! Sometimes I think about going to another one now that we are in a different place with our money, but I just love it so much! I do believe everyone needs to find one that works for them.

  2. Shuree

    Does Jordan use a budgeting app?

    • Fun Cheap or Free

      Bubba uses Mint and loves it!

  3. Maude

    My favorite app is the Emma app! It’s free and fun! 🙂 It’s turning budgeting into a game for me

  4. Kayla


    If you don’t use an online/app system, are you using an excel/google sheets document instead? I’m frustrated that Mint will not let me set up percentages for budgets.

    • Fun Cheap or Free

      Yes, excel/google sheets is definitely the way to go if you don’t like what the apps are offering! They’re a great way to help keep everything straight.

  5. Charlotte Boehms

    Goodbudget is my absolute favorite. I love that I have so much control of where and what the money does. I will every couple of years try the other most popular ones again and I go back to this one every time.


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