![]() BUDGT works well with variable income and allows you to easily input expenses and track how much money is left. Toshl is easy to use and offers bill reminders, monthly budget summaries, as well as an easy way to export tracking to Excel.ĭon't let variable income keep you from keeping track of how much you make and how much you spend. Toshl is a favorite app among many because it integrates with phone, tablet, and desktop devices. Monsters on a budgeting app? Yes, Toshl uses fun creatures and bright colors on its app interface. See also: 11 Budgeting Skills Everyone Should Master The app also comes with a no-overdraft guarantee, which means the company will cover the fee up to two times per member. However, you will not have to worry about overdraft fees, since the app never takes more than you can afford. The app cleverly connects to a user's checking accounts and looks for opportunities to transfer $5–$50 every two to three days to that user's savings account. Instead, use an app like Digit to sock away a little bit of money throughout the month. Usually, there is no money left by the end of the month. Waiting until the end of the month to deposit leftover money into a savings account is unwise. (Classic version $5.99 iOS, Free version iOS, Android) 4. This is a great financial tool for tactile learners, since users can move coins and designate an amount to each area of their budget. Who wants to carry around different envelopes of cash everywhere with them? CoinKeeper allows users the same benefits of budget envelopes, but all at their fingertips. The envelope system of budgeting is clever, but it can be such a hassle to use. Note: Prosper Daily used to be known as "BillGuard." Since it is free, it is a smart idea to download this app just to use it for the account safeguarding feature alone. There is no need to document every expenditure.Īnother benefit of Prosper Daily is that the app can protect users from suspicious account activity or duplicate charges. The app also connects to financial accounts and tracks spending effortlessly. How about a little competition? Prosper Daily is a free app that allows users to compete with their previous month's budget to see if they can do better in the current month. Knowing a $5 latte will make your budget tight tomorrow might help you forgo unnecessary splurges. Pennies allows users to create budgets that can be set for weekly, monthly, one-off, or payday budgets.Īnother benefit of this simple-to-use app is that you are presented with daily targets of what to spend and how your next day spending will be affected. ![]() Many people do not work with a set salary and do not know their paycheck amount each pay period. ![]() One of the best things about using Pennies for iOS is that it allows a lot of flexibility. (See also: One Simple Thing You Can Do to Start Budgeting Today) 1. These apps will take the pain and boredom from budgeting, and you might even have fun in the process. However, tracking every expenditure on paper or through a spreadsheet can be tedious and even cause us to forgo the healthy habit of budgeting a month in. Tracking expenses and setting spending and savings goals is beneficial for anyone - no matter the amount of your paycheck. Budgeting is not just essential for those who are trying to squeeze two pennies out of one.
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