Best Sinking Funds Apps

193+ iOS apps curated and reviewed

4.7 avg rating

20 free apps

Updated June 2026

Finding the right sinking funds app can be overwhelming with so many options. We've analyzed 193+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Top Picks for Sinking Funds

#1

SetAside: Sinking Funds App by Jona Ramos de la Rosa

Never stress about money again

Editor's Choice

💰 Finance

0.0(0 ratings)

FreeIn-App Purchases

SetAside: Sinking Funds App screenshot 1

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#2

Loot - Savings Goal & Tracker by Polybit Studio Pty Ltd

Save with a 3D money box

Strong Contender

💰 Finance

4.8😊(7.5K ratings)

FreeAdsIn-App Purchases

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This app helps you visualize and manage your savings goals with a personalized 3D money jar. It creates a savings plan, tracks your progress, and sends reminders to keep you motivated. Personalize your jar and enjoy a dark mode option for a rewarding saving experience.

What We Love

🚀 Simple and intuitive
👍 Visually appealing design
💰 Helps track savings progress
🎉 Motivating and fun to use

Room to Improve

🔒 Limited to one goal without paid upgrade
💰 Paid version required for more features
🐛 Bugs with removing/editing goals

#3

Envy: Envelope Budget Planner by Chimpanzee, LLC

Money Cash Expense Tracker

Worth Considering

💰 Finance

4.8😊(763 ratings)

FreeIn-App Purchases

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Digitize your cash envelope budgeting system with this simple expense tracker. Organize your spending into unlimited digital envelopes, easily move transactions, and track your budget without linking bank accounts. Export your data and manage your money effectively.

What We Love

👍 Simple and easy to use
🚀 Straightforward envelope budgeting
🔒 No bank account required
💰 Affordable one-time purchase

Room to Improve

🔍 Limited envelope customization (renaming, reordering, deleting)
🔢 Inability to track cents/pennies
🔗 No multi-device sync or sharing

More Sinking Funds apps to explore

by Robert E Carr Jr

This app provides tools to help you master your budget and take control of your money. It offers unlimited envelopes for financial flexibility and effortless income allocation.

Unlimited envelopesEffortless income allocationMulti-envelope purchase management

free with in-app purchases

Spending Tracker - Budget App

Spending Tracker - Budget App

Budget planner & money tracker

This personal finance app helps you track spending, plan budgets, and save money to achieve financial freedom. It offers features like AI-powered tracking, shared budgeting, and detailed stats to understand your financial habits.

Budget PlannerSpending TrackerMoney Management

free with in-app purchases

Saving Money Challenge

Saving Money Challenge

Track goals. Save money daily

This app helps you achieve savings goals through a fun envelope challenge. You can either follow a pre-set 100-envelope challenge to save $5,050 or create your own custom savings plan with a set amount and number of envelopes.

Envelope savings challenge trackerCustomizable savings goalsDaily money saving

free with in-app purchases

Never worry about money again

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

Goodbudget Budget Planner

Goodbudget Budget Planner

Money & Expense Tracker

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

Money+ Cute Expense Tracker

Money+ Cute Expense Tracker

Simple & No Ad Budget App

This offline accounting app offers a pure, reliable experience for tracking expenses and managing budgets. It supports multiple ledgers, accounts, global currencies, and provides in-depth financial analysis. Set savings goals and monitor asset trends without any advertisements.

Offline local storageFast transaction recordingMulti-dimensional ledgers

📊 Productivity

Weekly: Budget Planner & Bills

Weekly: Budget Planner & Bills

Spending & Money Goal Tracker

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

free with in-app purchases

Budget Planner App - Fleur

Budget Planner App - Fleur

Bill Organizer & Money Tracker

This app helps you manage your finances with a simple and elegant interface. Easily track daily expenses and income, set monthly budgets, and monitor your spending habits. It offers features like transaction history, repeating transactions, and category management.

Log expenses and incomeSet monthly budgetsTrack spending habits

free with in-app purchases

Envelope Budget App - Tuck

Envelope Budget App - Tuck

Bill Organizer, Money Tracker

This app helps you manage your finances by focusing on food expenses first. It offers a simple, private way to track spending, set budgets, and build healthy financial habits one category at a time.

Focus on food expensesPrivate and local trackingSimple transaction entry

free with in-app purchases

Spending Tracker

Spending Tracker

Take Control Of Your Money

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

free with in-app purchases

Monefy: Money Tracker

Monefy: Money Tracker

Track Income & Expenses

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

free with in-app purchases

Envelope: Budgeting & Banking

Your ultimate money manager

This app digitizes the envelope budgeting system to help users track spending, save money, and manage their finances effectively. It offers features like early paycheck access, high-yield savings, and transaction notifications for comprehensive financial control.

Digital envelope budgeting systemHigh-yield savings accountEarly paycheck access

Capital Group RKDirect 401k

Capital Group RKDirect 401k

Manage your 401k

Manage your employer-sponsored retirement plan on the go. View account details like balances, rates of return, and transaction history. Make changes to your investments, contribution allocations, and personal information as permitted by your plan.

View account balancesCheck personal rate of returnReview transaction history

Fundrise: Invest in Alts

Fundrise: Invest in Alts

Venture, Real estate, Income

Build a diversified portfolio of private market investments, including real estate, venture capital, and private credit. Access high-growth opportunities and receive transparent reporting with bank-level security. Start investing with flexible minimums.

Invest in private real estateInvest in venture capitalInvest in private credit

Expense & Budget App: Spendee

Expense & Budget App: Spendee

Money Tracker & Planner

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

free with in-app purchases

easy envelope based budgeting

This app helps you manage your money using the cash stuffing method, digitally. It guides you through creating expense envelopes, allocating funds, and tracking spending to meet savings goals. Get reminders for bills and budget according to your pay schedule.

Digital cash stuffing methodCustomizable expense envelopesAutomated spending tracking

free with in-app purchases

Quicken: Intelligent Money

Quicken: Intelligent Money

Personal & Business Finances

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

free with in-app purchases

Related searches

setaside: sinking funds app