10 Best Apps to Save Money and Track Your Spending in 2025

Managing money used to mean carrying a notebook or relying on memory to remember where your cash went. Today, everything is easier thanks to mobile apps designed to help you save money, track spending, and improve your financial habits. With so many tools out there, it can be difficult to know which ones are worth downloading. That’s why we’ve put together a list of the best apps in 2025 that can make a real difference in your personal finances.

Whether you want to cut down on unnecessary expenses, build an emergency fund, or simply know where your money goes each month, these apps can help.

1. Mint

Mint remains one of the most popular budgeting apps in the world. It connects directly to your bank accounts and credit cards so you can see all your transactions in one place. Mint automatically categorizes spending, shows you where most of your money goes, and even suggests ways to save. You can also set budgets for categories like groceries, transport, or entertainment, and Mint will notify you when you are close to overspending.

2. YNAB (You Need A Budget)

YNAB is perfect for people who want to take complete control of their money. Unlike other apps that just track spending, YNAB teaches you to assign every dollar a purpose. For example, if you earn $1,000, you decide in advance how much goes to rent, bills, savings, or fun. This method helps you live within your means and save more consistently. YNAB has a small subscription fee, but many users say the money they save with it is far more than the cost.

3. PocketGuard

If you often ask yourself, “How much money can I spend without breaking my budget?” then PocketGuard is the app for you. It looks at your income, bills, and savings goals, then tells you how much is “safe to spend.” This makes it easy to avoid overspending and still enjoy some flexibility. The app also identifies recurring subscriptions you may have forgotten about, like streaming services or unused gym memberships, so you can cancel and save.

4. Goodbudget

Goodbudget uses the traditional “envelope” method of budgeting but in digital form. You divide your income into envelopes such as rent, food, travel, and savings. Each time you spend, you subtract from the relevant envelope. The visual setup makes it clear when you are running low in a category. Couples or families especially like this app because it allows sharing budgets, making it easier to plan money together.

5. Acorns

Acorns helps you save and invest without even thinking about it. Every time you make a purchase, Acorns rounds it up to the nearest dollar and invests the spare change automatically. For example, if you buy coffee for $3.60, Acorns will round it up to $4.00 and invest $0.40. Over time, these small amounts add up and grow into real savings. For anyone struggling to start investing, Acorns is a simple entry point.

6. Chime

Chime is an online bank that has features designed to help people save money. It has automatic savings tools that round up purchases and move the difference to your savings account. It also allows you to get paid early when your employer uses direct deposit. Chime doesn’t have hidden fees, which makes it appealing for people tired of traditional banking charges.

7. Honey

Honey is a browser extension and app that helps you save money when shopping online. It automatically searches for coupon codes and applies them to your purchases. In addition, Honey has a rewards program called Honey Gold, which gives you points that can be converted into gift cards. If you shop online regularly, Honey can save you hundreds of dollars each year without extra effort.

8. Rakuten

Rakuten is another must-have app for online shoppers. It gives you cashback on purchases made through its platform. All you need to do is sign up, visit your favorite online store through Rakuten, and shop as usual. The cashback adds up, and you can withdraw it through PayPal or check. Many people use Rakuten for big purchases like electronics or travel because the cashback can be significant.

9. Personal Capital (now Empower)

Personal Capital, rebranded as Empower, is an app that combines budgeting with wealth management. You can track daily spending, monitor investments, and even plan for retirement. It provides charts and reports that show your net worth over time, giving you a complete picture of your financial health. For people who want more than basic budgeting, this app is an excellent choice.

10. EveryDollar

EveryDollar was created by Dave Ramsey’s team and is based on his zero-based budgeting method. Like YNAB, it encourages you to give every dollar a job. The free version works well for manual budgeting, while the paid version connects to your bank for automatic updates. Many people find it helpful because it combines financial discipline with ease of use.

Why These Apps Matter in 2025

Life is expensive, and small financial mistakes can add up quickly. These apps not only track spending but also encourage better habits like saving consistently, canceling unused subscriptions, and avoiding impulse spending. By using them, you can gain clarity about your money and feel more confident about your financial future.

Final Thoughts

You don’t have to use all ten apps at once. In fact, starting with just one or two can make a big difference. If you are new to budgeting, Mint or PocketGuard is simple and effective. If you want to build wealth, Acorns or Personal Capital may be the right choice. The most important thing is to take action and start managing your money today.

In 2025, with prices rising and financial pressures everywhere, having the right tools in your pocket is more important than ever. Download one of these apps, explore its features, and watch how small changes can lead to big financial results.