Best Personal Finance App

249+ iOS apps curated and reviewed

4.9 avg rating
20 free apps
Updated November 2026

Out of 249+ personal finance app on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Personal Finance App (November 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Personal: FinancePersonal: FinanceFree—NoNoSep 2026
2Empower ®Empower ®Free4.8★ (426K)NoNoNov 2026
3Copilot: Track & Budget MoneyCopilot: Track & Budget MoneyFree4.8★ (31K)NoYesNov 2026
4Monarch: Budget & Track MoneyMonarch: Budget & Track MoneyFree4.9★ (118K)NoYesNov 2026
5MoneyFlow: Personal FinanceMoneyFlow: Personal FinanceFree—NoNoOct 2026
6CakeClub: Personal Finance AppCakeClub: Personal Finance AppFree5.0★ (22)NoYesNov 2026
7Jenna: Personal Finance AppJenna: Personal Finance AppFree—NoYesNov 2026
8PlainMoney - Personal FinancePlainMoney - Personal FinanceFree—YesYesNov 2026

Top Picks for Personal Finance App

Empower ®#2

Empower ® by Empower Retirement, LLC

Plan, save, invest, retire
Strong Contender
💰 Finance
4.8😞(426K ratings)
Free
#69in Finance
Empower ® screenshot 1
Empower ® screenshot 2
Empower ® screenshot 3
Empower ® screenshot 4
Empower ® screenshot 5
Empower ® screenshot 6

This app provides a comprehensive financial overview, consolidating all your accounts in one place. It offers tools to plan for retirement, manage budgets, track net worth, and simulate financial scenarios, making financial management clearer and simpler.

What We Love

  • 👍 Good product overall
  • 🚀 Sleek design and robust performance
  • 🔒 Excellent customer service and support

Room to Improve

  • 🐛 Buggy and unreliable app
  • ⏱️ Slow loading times
  • 🤔 Missing key features and functionality
  • 🤯 Confusing and unintuitive navigation
  • 💻 Forced to use app instead of website
  • 🇨🇦 Not compatible with Canadian users
Copilot: Track & Budget Money#3

Copilot: Track & Budget Money by Copilot Money, Inc.

Spending, investing, net worth
Worth Considering
💰 Finance
4.8😊(31K ratings)
FreeIn-App Purchases
#7in Finance
Copilot: Track & Budget Money screenshot 1
Copilot: Track & Budget Money screenshot 2
Copilot: Track & Budget Money screenshot 3
Copilot: Track & Budget Money screenshot 4
Copilot: Track & Budget Money screenshot 5
Copilot: Track & Budget Money screenshot 6

Manage your money comprehensively with an AI-powered assistant that tracks spending, plans budgets, and monitors investments. Get personalized insights and automated categorization to understand your finances better. Built with privacy at its core, it offers bank-level security without ads or data selling.

What We Love

  • 👍 Intuitive and user-friendly interface
  • 🚀 Seamless account integration and transaction tracking
  • 💡 Customizable budgeting and categorization
  • 🔒 Secure and private financial management
  • 👍 Responsive and helpful customer support
  • 💡 Innovative features like spending rate visualization

Room to Improve

  • 🐛 Occasional sync and connectivity issues with some financial institutions
  • 🔍 Lack of advanced reporting and filtering options
  • 🔍 Limited functionality for manual transaction entry and forecasting
  • 💰 Relatively high subscription cost compared to free alternatives

More Personal Finance App apps to explore

FAQ about Personal Finance App

Are there free personal finance app for iPhone?
Yes — 20 of the top personal finance app we rank are free to download, including Personal: Finance and Empower ®.
Personal: Finance has no ads and has no in-app purchases, according to its App Store listing as of November 2026.
We track 249+ personal finance app on the iOS App Store as of November 2026, ranked by rating, recency, and analysis of real user reviews.

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