HOUSEHOLD BUDGET APP PRO
HOUSEHOLD BUDGET APP FREE

PocketGuard’s budgeting charts also provide some great visuals of your month-over-month spending habits.Ī newer feature is that you can set up push notifications to receive alerts in regards to your finances, such as if a bill due date is approaching, income has been received, you’ve gone over your budget and much more. Then, throughout the month, your budget is updated in real time based on your transactions so you can see how much over or under budget you are in each category. Once your initial setup is complete, you’ll see how much money is left over for the month, which the app calls “In My Pocket.” This helps you determine how much money you can save or spend on everything else. However, in our testing, PocketGuard’s categorizations were pretty accurate.

The app automatically categorizes your transactions, but you can edit the category for any transaction if the system gets it wrong. When creating your budget, PocketGuard offers many categories to choose from as well as the option to create your own categories - a feature that not all apps have. To create an initial budget, the app shows you what you’ve spent in prior months as a baseline, which you can adjust as desired. You can also manually add any additional income you receive, such as cash or checks that don’t hit your bank account.

PocketGuard can link all your credit card and checking accounts together, along with other types of financial accounts, to help you build a robust budget.

HOUSEHOLD BUDGET APP FREE

AlternativesĪpp-only banks such as Starling Bank and Monzo combine the logistics of a current account with the addition of handy budgeting features such as personalised spending analytics, the ability to separate your money into savings pots or spaces and automatic saving with spare change roundups as you spend.Your CNN account Log in to your CNN accountīest overall budget app: PocketGuard (basic version: free PocketGuard Plus: $4.99/month, $34.99/year or $74.99/lifetime) Monthly £1 fee if you want to invest your money. Pros: Helps you to save with little effort, also allows you to round up your spare change and earn interest on your savings.Ĭons: Have to pay to get some features that other apps offer for free, such as goal setting and cashback.

HOUSEHOLD BUDGET APP PRO

Plum offers more than one plan and its premium options also offer the opportunity to invest your money as well as earn cashback, set savings goals and create saving spaces to separate your money.Ĭost: Plum Basic – free Plum Plus – £1 a month Plum Pro – £2.99 a month (free 30-day trial with both). It lets you know if you could be overpaying on your regular bills and suggests ways to save money. Plum takes budgeting one step further and does the hard work for you as it uses artificial intelligence to automatically calculate an affordable amount to save based on your spending pattern. Plum uses AI to automatically calculate an affordable amount to save. There is no Financial Services Compensation Scheme protection for any money you hold on the prepaid account. Features such as rounding up your spare change and scheduled payments mean you can maximise your saving.Ĭons: Yolt does not allow for weekly paydays. Pros: Encourages you to set spending budgets. Once you have connected your accounts, Yolt allows you to track your spending, see upcoming transactions, create budgets and set saving goals. Yolt allows you to organise all of your accounts in one place and you can take things one step further by using its prepaid debit card for everyday spending. Desktop version also available.Ĭons: Takes time to set up and its automatic spending categorisation could be better. Pros: In-depth budgeting analysis with personalised categories based on your individual spending. The level of customisation in the app is ideal for those with accounts and investments across a range of providers. Money Dashboard also graphs your projected monthly spending with a predicted balance at the end of the month. These include customisable categories for your spending – for example, you may want to group together all payments for presents around Christmas – and the option to add accounts manually. Offers most of the same features as Emma Pro but at no cost. Cashback and rewards for spending with certain retailers such as the Body Shop, B&Q, Gousto, Boots and more.Ĭons: A bit gamified and the push to subscribe to Emma Pro can become annoying. Good for: Beginners and managing subscriptions.Ĭost: Emma – free Emma Pro – £59.99 a year, with the first seven days free.

Household budget app