Best Personal Finance App

229+ iOS apps curated and reviewed

4.7 avg rating
19 free apps
Updated June 2026

Out of 229+ personal finance app on iOS, 19 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 (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Monarch: Budget & Track MoneyMonarch: Budget & Track MoneyFree4.9★ (100K)YesYesJul 2026
2Copilot: Track & Budget MoneyCopilot: Track & Budget MoneyFree4.8★ (30K)NoYesJul 2026
3Rocket Money - Bills & BudgetsRocket Money - Bills & BudgetsFree4.5★ (371K)YesYesJul 2026
4NerdWallet: Smart Money AppNerdWallet: Smart Money AppFree4.8★ (124K)YesNoJul 2026
5Empower ®Empower ®Free4.8★ (397K)NoNoJul 2026
6Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.7M)YesNoJul 2026
7YNABYNABFree4.8★ (61K)YesYesJul 2026
8EveryDollar: Budget ManagementEveryDollar: Budget ManagementFree4.7★ (84K)YesYesJul 2026

Top Picks for Personal Finance App

Monarch: Budget & Track Money#1

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

Spending, Net Worth, Investing
Editor's Choice
💰 Finance
4.9😊(100K ratings)
FreeAdsIn-App Purchases
#7in Finance
Monarch: Budget & Track Money screenshot 1
Monarch: Budget & Track Money screenshot 2
Monarch: Budget & Track Money screenshot 3
Monarch: Budget & Track Money screenshot 4
Monarch: Budget & Track Money screenshot 5
Monarch: Budget & Track Money screenshot 6

Consolidate all your financial accounts into a single, intuitive dashboard. Track spending, manage budgets, monitor investments, and collaborate with others to achieve your financial goals with actionable insights.

What We Love

  • 💻 Extremely customizable
  • 🤝 Great for couples
  • 🔍 Comprehensive budgeting and net worth tracking
  • 📈 Excellent data visualization

Room to Improve

  • 🔁 Recurring account disconnection issues
  • 🇨🇦 Limited support for Canadian users
  • 💰 Expensive subscription cost
Copilot: Track & Budget Money#2

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

Spending, investing, net worth
Strong Contender
💰 Finance
4.8😊(30K ratings)
FreeIn-App Purchases
#6in 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

This app provides a clear and simple way to manage your finances. It offers smart tools for categorizing spending, budgeting, and tracking investments, all with bank-level security and personalized support. Reclaim control of your financial data with an intuitive interface.

What We Love

  • 👍 Intuitive and user-friendly interface
  • 🚀 Seamless account integration and transaction tracking
  • 💡 Customizable budgeting and categorization
  • 🔒 Secure and private financial management

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
Rocket Money - Bills & Budgets#3

Rocket Money - Bills & Budgets by Rocket Money

Subscription & Expense Manager
Worth Considering
💰 Finance
4.5😊(371K ratings)
FreeAdsIn-App Purchases
#2in Finance
Rocket Money - Bills & Budgets screenshot 1
Rocket Money - Bills & Budgets screenshot 2
Rocket Money - Bills & Budgets screenshot 3
Rocket Money - Bills & Budgets screenshot 4
Rocket Money - Bills & Budgets screenshot 5
Rocket Money - Bills & Budgets screenshot 6

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

What We Love

  • 🚀 Comprehensive financial tracking
  • 👍 User-friendly interface
  • 💰 Helpful budgeting and savings features
  • 🔒 Secure account integration

Room to Improve

  • 🐛 Buggy app performance and connectivity issues
  • 💸 Misleading or ineffective bill negotiation service
  • 🔍 Difficulty linking all accounts and transactions

More Personal Finance App apps to explore

4
NerdWallet: Smart Money App
NerdWallet: Smart Money App
NerdWallet: Smart Money App
Track, Save & Invest
Free

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

Track cash, investments, credit cards, loans, and propertyMonitor and cancel recurring bills and subscriptionsActionable financial insights on credit score and cash flow
💰 Finance
(124K)
free with in-app purchases
5
Empower ®
Empower ®
Empower ®
Plan, save, invest, retire
Free

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.

Consolidated account viewRetirement planningBudget tracking
💰 Finance
(397K)
free with in-app purchases
6
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Your personal money app
Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
💰 Finance
(7.7M)
free with in-app purchases
7
YNAB
YNAB
YNAB
Never worry about money again
Free

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.

Create and share unlimited spending plansAutomatically import transactionsManually add transactions
💰 Finance
(61K)
subscription
8
EveryDollar: Budget Management
EveryDollar: Budget Management
EveryDollar: Budget Management
Track Income, Bills & Spending
Free

This app helps you create custom budgets, track expenses, and manage your money effectively. It aims to reveal hidden savings and empower you to pay off debt, build wealth, and achieve your financial goals.

Create custom budgetsTrack expenses and transactionsManage bills and income
💰 Finance
(84K)
free with in-app purchases
9
Quicken: Intelligent Money
Quicken: Intelligent Money
Quicken: Intelligent Money
Personal & Business Finances
Free

Manage personal and business finances in one app. Track income, expenses, and investments, create budgets, and monitor spending. Business features include invoicing and tax preparation tools.

Connect and track financial accountsCreate custom budgets and spending plansSet savings goals and track debt payoff
💰 Finance
(11K)
free with in-app purchases
10
MoneyWiz 2026 Personal Finance
MoneyWiz 2026 Personal Finance
MoneyWiz 2026 Personal Finance
Personal Accounting Software
Free

Manage all your financial accounts, including loans, savings, investments, and cryptocurrency, in one secure application. It offers automatic transaction downloads, cloud syncing, and advanced reporting to give you a comprehensive overview of your finances.

Account tracking (bank, loan, investment, crypto)Automatic transaction downloadsCloud backup and multi-device sync
💰 Finance
(2.1K)
freemium
11
Debit & Credit
Debit & Credit
Debit & Credit
Personal Finance Manager
Free

Manage all your finances in one place with this intuitive personal finance app. Track spending, create budgets, and plan for the future with automatic transaction import and detailed reports. Syncs across devices and offers shared account management.

All accounts in one appApple Card integrationFast transaction entry
💰 Finance
(197)
free with in-app purchases
12
Goodbudget Budget Planner
Goodbudget Budget Planner
Goodbudget Budget Planner
Money & Expense Tracker
Free

This app helps you manage your finances and plan your spending using a virtual envelope system. Track expenses, monitor debt, and gain insights with helpful reports. Share your budget with family or friends across multiple devices.

Virtual envelope budgetingShared budgetsExpense tracking
💰 Finance
(13K)
freemium
13
Money Manager Expense & Budget
Money Manager Expense & Budget
Money Manager Expense & Budget
20M+DN,Budget&Expense Tracker
Free

This app simplifies personal finance management with easy data entry, graphical spending insights, and robust budgeting tools. It offers features like double-entry bookkeeping, PC management, and credit card tracking to help you stay on top of your finances.

Easy data entryGraphical spending analysisBudget planning
💰 Finance
(18K)
free with in-app purchases
14
Monefy: Money Tracker
Monefy: Money Tracker
Monefy: Money Tracker
Track Income & Expenses
Free

Easily track your income and expenses with quick, one-click transaction entries. Synchronize your financial data across multiple devices and manage your spending with intuitive charts and customizable categories.

One-click transaction entryCross-device synchronizationSpending distribution charts
💰 Finance
(6.6K)
free with in-app purchases
15
Buddy: Budget Planner App
Buddy: Budget Planner App
Buddy: Budget Planner App
Money Manager & Tracker
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
(9.3K)
free with in-app purchases
16
Money Pro: Personal Finance AR
Money Pro: Personal Finance AR
Money Pro: Personal Finance AR
Home Budget & Expense Tracker
$0.99
$4.99 | 80% OFF

Manage your personal and family finances with this comprehensive app. Track expenses, create budgets, and monitor accounts with insightful analytics and optional augmented reality reports. Set financial goals and gain control over your money.

Expense and income trackingBudget planning with custom categoriesAccount management and bank statement import
💰 Finance
(2.3K)
free with in-app purchases
17
Wallet: Budget & Money Manager
Wallet: Budget & Money Manager
Wallet: Budget & Money Manager
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
18
Balance – Personal Finance
Balance – Personal Finance
Balance – Personal Finance
Budget & Expense Tracker
Free

Manage all your financial accounts in one place with a clean, intuitive interface. Track expenses, create budgets, and generate detailed reports to gain insights into your spending habits. Securely sync your data across Apple devices via iCloud.

All account trackingiCloud sync across Apple devicesQuick expense entry
💰 Finance
(14)
freemium
19
Spending Tracker
Spending Tracker
Spending Tracker
Take Control Of Your Money
Free

Easily track your expenses and income to gain control over your finances. Set budgets, view spending summaries, and generate reports with interactive charts. Take the first step towards saving money by understanding where your money goes.

Simple and intuitive interfaceFlexible time period tracking (Weekly, Monthly, Yearly)Budget mode with carry-over
💰 Finance
(18K)
free with in-app purchases
20
Kiplinger Personal Finance
Kiplinger Personal Finance
Kiplinger Personal Finance
Helping you live a richer life
Free

Access expert advice on investing, saving, tax cutting, and wealth building. Plan for retirement, major purchases like homes and education, and achieve financial security with comprehensive personal finance guidance.

Investing and saving insightsTax cutting strategiesWealth building guidance
📰 Magazines & Newspapers
(430)
subscription

FAQ about Personal Finance App

What is the best personal finance app for iPhone?
Monarch: Budget & Track Money tops our personal finance app ranking as of June 2026, with a 4.9-star average from 100K App Store ratings, and it's free to download.
Yes — 19 of the top personal finance app we rank are free to download, including Monarch: Budget & Track Money and Copilot: Track & Budget Money.
Monarch: Budget & Track Money shows ads and offers in-app purchases, according to its App Store listing as of June 2026.
We track 229+ personal finance app on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.
Monarch is a personal finance app that consolidates all your financial accounts into one place. It helps you track spending, manage budgets, monitor investments, and collaborate with others to achieve your financial goals. The app provides actionable insights and a clear view of your money's movement.
Key features include connecting all your financial accounts, auto-categorizing transactions, a customizable dashboard, tracking net worth and investments, managing subscriptions and bills, flexible budgeting options, and the ability to collaborate with partners and financial advisors.

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