Best Financial Habits Apps

0+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated June 2026

Whether you're new to financial habits or looking for an upgrade, our curated collection of 0+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Financial Habits Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1YNABYNABFree4.8★ (61K)NoYesAug 2026
2Brightside FinancialBrightside FinancialFree4.6★ (1.5K)NoNoAug 2026
3MoneyCoach: Budget PlannerMoneyCoach: Budget PlannerFree4.5★ (2.6K)NoYesAug 2026
4Beyond FinanceBeyond FinanceFree4.9★ (18K)NoNoAug 2026
5Five LakesFive LakesFree4.9★ (4.6K)NoNoAug 2026
6PocketGuard・Budget Planner AppPocketGuard・Budget Planner AppFree4.6★ (7.7K)YesYesAug 2026
7Dollarwise: Budget & TrackingDollarwise: Budget & TrackingFree3.8★ (3.8K)NoYesAug 2026
8Expense & Budget App: SpendeeExpense & Budget App: SpendeeFree4.6★ (6.2K)NoYesAug 2026

Top Picks for Financial Habits

YNAB#1

YNAB by You Need A Budget LLC

Never worry about money again
Editor's Choice
💰 Finance
4.8😊(61K ratings)
FreeIn-App Purchases
#6in Finance
YNAB screenshot 1
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YNAB screenshot 3
YNAB screenshot 4
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YNAB screenshot 6

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

What We Love

  • 💰 Helps save money
  • 👍 Intuitive and easy to use
  • 🚀 Efficient budgeting system
  • 🤝 Helpful for couples/families

Room to Improve

  • 🔍 Steep learning curve
  • 🔌 Connectivity issues with some banks
  • 💰 Expensive subscription
Brightside Financial#2

Brightside Financial by Brightside Benefit, Inc

Financial Care starts here
Strong Contender
💰 Finance
4.6😞(1.5K ratings)
Free
Brightside Financial screenshot 1
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Brightside Financial screenshot 4

This app offers on-demand financial assistance and tailored solutions to improve users' financial health. It provides comprehensive support around the clock, helping individuals manage debt, save money, and navigate financial challenges through a blend of human insight and technology.

What We Love

  • 🚀 Quick and easy to use
  • 👍 Helpful financial assistance
  • 💡 Useful features for Amazon employees
  • 🤝 Great customer service

Room to Improve

  • 🐛 Frequent app crashes and glitches
  • 🔒 Login and access issues
  • ⚠️ Unreliable app performance
MoneyCoach: Budget Planner#3

MoneyCoach: Budget Planner by MoneyCoach UG

Spending Manager, Bill Tracker
Worth Considering
💰 Finance
4.5😊(2.6K ratings)
FreeIn-App Purchases
MoneyCoach: Budget Planner screenshot 1
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MoneyCoach: Budget Planner screenshot 4
MoneyCoach: Budget Planner screenshot 5
MoneyCoach: Budget Planner screenshot 6

This app helps you manage your spending, track bills, and build healthy financial habits. It offers personalized budgets, smart goals, and real-time net worth tracking to reduce financial stress and increase your knowledge.

What We Love

  • 👍 Easy to use
  • 🚀 Intuitive interface
  • 💡 Helpful budgeting features
  • 🤩 Great design and aesthetics

Room to Improve

  • 🔒 Lack of bank account syncing
  • 💰 Expensive premium subscription
  • 🔓 Forced to use 'Sign in with Apple'

More Financial Habits apps to explore

4
Beyond Finance
Beyond Finance
Beyond Finance
by Beyond Finance Inc.
Free

Track your financial program's progress and view enrolled accounts. Connect with your Client Success Team for support and receive personalized financial tips to inspire your journey.

Review program progressView enrolled accountsConnect with Client Success Team
💰 Finance
(18K)
free
5
Five Lakes
Five Lakes
Five Lakes
by Sergio Rabiela
Free

Track your financial program's progress and view enrolled accounts. Connect with a dedicated client success team for support and receive personalized financial tips and inspiration.

Program progress reviewEnrolled account managementClient Success Team connection
💰 Finance
(4.6K)
free
6
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
Expense & Subscription Manager
Free

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

Automatic expense trackingBill and subscription monitoringDisposable income calculation
💰 Finance
(7.7K)
free with in-app purchases
7
Dollarwise: Budget & Tracking
Dollarwise: Budget & Tracking
Dollarwise: Budget & Tracking
Rewrite your money story.
Free

Effortlessly manage your finances with automatic account syncing and AI-powered insights. See your available spending money at a glance, track bills, debt, and savings, and gain actionable advice to improve your financial habits without complex charts.

Automatic account syncingReal-time spending overviewAI-enhanced financial suggestions
💰 Finance
(3.8K)
free with in-app purchases
8
Expense & Budget App: Spendee
Expense & Budget App: Spendee
Expense & Budget App: Spendee
Money Tracker & Planner
Free

This app helps you track spending, manage budgets, and gain financial awareness. Connect bank accounts, analyze expenses with smart insights, and optimize your savings. Features include AI receipt scanning, shared finances, and multiple currencies.

Connect bank and crypto walletsAutomatic expense categorizationBudget creation and tracking
💰 Finance
(6.2K)
free with in-app purchases
9
Wallet - Daily Budget & Profit
Wallet - Daily Budget & Profit
Wallet - Daily Budget & Profit
Personal Expense Tracker
Free

Manage your personal finances with this comprehensive tool. Track expenses automatically, plan budgets, and gain insights into your spending habits. It helps you save money, manage debt, and plan for the future by consolidating all your financial information.

Automatic bank synchronizationExpense and income trackingInsightful reports and charts
💰 Finance
(5.9K)
free with in-app purchases
10
Buddy: Budget Planner App
Buddy: Budget Planner App
Buddy: Budget Planner App
Bill Tracker & Money Manager
Free

This app helps you create and manage personal or shared budgets. Track expenses, connect your bank account for automatic transaction import, and gain a clear overview of your spending, income, and savings. It also features tools to split costs and settle up with others.

Create personal budgetsShared budgeting for couples/groupsConnect bank accounts for transaction import
💰 Finance
(9.4K)
free with in-app purchases
11
Upgrade - Mobile Banking
Upgrade - Mobile Banking
Upgrade - Mobile Banking
Rewards Checking, Loans, Cards
Free

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

Cash back rewards on card purchasesManage personal loans and credit linesTrack credit score and receive alerts
💰 Finance
(83K)
free with in-app purchases
12
Cleo AI: Cash Advance & Budget
Cleo AI: Cash Advance & Budget
Cleo AI: Cash Advance & Budget
Credit Builder & Savings Goals
Free

This AI-powered financial assistant helps you manage your money through conversational chat. It offers budgeting tools, savings accounts with high APY, credit building features, and cash advances without interest or credit checks.

AI-powered financial chatBudgeting and spending trackingCash advances up to $250
💰 Finance
(255K)
freemium
13
Hutsy - AI Financial Assistant
Hutsy - AI Financial Assistant
Hutsy - AI Financial Assistant
Overdraft Alerts & Stay Ahead
Free

This app provides proactive financial insights, warning you of potential overdrafts, upcoming bills, and credit changes before they impact your finances. It offers a daily money briefing, AI-powered financial advice, and credit monitoring to help you make informed decisions.

Proactive overdraft alertsDaily money briefingAI financial assistant
💰 Finance
(35)
free with in-app purchases
14
Compound Interest Calc
Compound Interest Calc
Compound Interest Calc
Plan | Invest | Retire
Free

Plan your financial future with a powerful compound interest calculator. It helps you visualize investment growth with periodic contributions and plan retirement withdrawals with inflation adjustments. Offers detailed breakdowns and interactive charts for informed financial decisions.

Calculate investment growth with contributionsPlan retirement withdrawals with inflationInteractive growth and depletion charts
💰 Finance
(6.5K)
free with in-app purchases
15
Weekly: Budget Planner & Bills
Weekly: Budget Planner & Bills
Weekly: Budget Planner & Bills
Spending & Money Goal Tracker
Free

This app helps you plan your weekly budget, track your spending, and save for financial goals. It connects to your bank accounts to monitor transactions, categorizes your expenses, and provides insights into your spending habits. It also helps you manage upcoming bills and view account balances in one place.

Guided budget setupWeekly spending limit calculationBank transaction download
💰 Finance
(3.7K)
free with in-app purchases
16
Piere: Budget, Save, Plan
Piere: Budget, Save, Plan
Piere: Budget, Save, Plan
Self-driving money & AI chat
Free

This app automates your budget and savings by analyzing your finances to create a personalized plan. It then automatically moves money between your connected accounts to help you reach your financial goals, whether it's building wealth, reducing debt, or covering expenses.

Automated budgetingPersonalized financial roadmap (MyPlan™)Automatic money transfers (Moves)
💰 Finance
(721)
free with in-app purchases
17
Weple Money: Expense Tracker
Weple Money: Expense Tracker
Weple Money: Expense Tracker
Track Spending & Manage Budget
Free

Easily track your spending and manage your budget with this intuitive expense tracker. Record expenses step-by-step, view statistics by category, and analyze your card spending. Start building better financial habits today.

Super simple entry inputDaily, weekly, monthly viewsExpense statistics by category
💰 Finance
(3.7K)
free with in-app purchases
18
Beyon Money - بيون موني
Beyon Money - بيون موني
Beyon Money - بيون موني
Take Your Money Further
Free

Manage all your finances in one app. Send money internationally at low rates, track spending, set budgets, and get personalized insights. Get a virtual card instantly with no minimum requirements.

Consolidated financial managementLow-rate international money transfersSpending tracking and budgeting
💰 Finance
(42)
free
19
Kachinga
Kachinga
Kachinga
Teach Kids Good Money Habits
Free

This app helps parents teach children financial literacy through an allowance and savings management system. It combines a debit card for kids with parental controls, allowing real-world money experience in a secure environment.

Allowance and chore managementSavings goal settingSecure debit card for kids
💰 Finance
(68)
subscription
20
Hacking Habits, Get Life Hours
Hacking Habits, Get Life Hours
Hacking Habits, Get Life Hours
Financial Habits & Training
Free
💰 Finance
(0)

FAQ about Financial Habits

What are the best financial habits apps for iPhone?
YNAB tops our financial habits apps ranking as of June 2026, with a 4.8-star average from 61K App Store ratings, and it's free to download.
Yes — 20 of the top financial habits apps we rank are free to download, including YNAB and Brightside Financial.
YNAB has no ads and offers in-app purchases, according to its App Store listing as of June 2026.
YNAB is a personal finance management application designed to help users get better at managing their money. It focuses on proactive budgeting, tracking expenses, planning for the future, and reducing debt. The app aims to reduce financial stress and empower users to achieve their financial goals.
Key features include the ability to create and share unlimited spending plans with up to six people, automatically import transactions by securely linking financial accounts, and manually add transactions. It also offers a Loan Planner to help calculate debt paydown progress and visualize progress towards financial goals.