There is no better time than now to think about how to manage your money. However, it is difficult to know where to start, especially if you are young and have no idea what your Roth IRA or 401 (k) is. Do not worry, nowadays there are many ways to make smart investments and better plan your financial lives ̵
If you’re having trouble saving money, automating the process may work for you. Qapital is a clever, rule-based auto-save app. You link it to your checking account and select a savings target. Then set up the IFTTT rules (if it does) to initiate the transfer of funds for each particular task. For example, you can save $ 10 each time you shop at Walmart, Starbucks, or another store. There are many different rules that you can set up, such as: For example, the practical Freelancer Rule, which provides for a certain percentage of the tax on each payment. You can also set up alerts and the payment will be stopped if cash is tight so you will not be overdrawn.
Want to know where you stand financially? PocketGuard can help you synchronize all your bank accounts, credit cards, loans, assets and savings in one place. The app can automatically create a budget based on your spending habits. You can also use this app to track your earnings, bills, and existing subscriptions, set spending limits, and see if you’ve reached your goals. Best of all, you can let the app analyze whether you’re getting the best monthly payments and alert you to unwanted charges or bank charges. You can opt for PocketGuard Plus for $ 4 a month or $ 35 a year.
Want to win prizes to save money? Grand can be the perfect app for you. Each week, you will be automatically cashed for every dollar you add to your investment account. Every bank in the US connects to Grand, and your deposits are automatically earned at a percentage rate – much higher than the national average rate. Currently, Grand is only available through the website and the App Store. However, we hope that an Android app is in progress. And although the $ 2 monthly fee may seem a bit steep, it can be worth it to save money on a regular basis.
The donation has everything to understand about your finances. With this app, you can track your expenses and budget so you can save more money. You can link donations to your bank account to track all your expenses, create a shared account with your family, and support multiple currencies. This app is free, but you can also upgrade to Spendee Plus, which allows you to create multiple wallets and share them with your family members for $ 2 a month or $ 15 a year. There’s also a donation of $ 3 a month or $ 24 a year, which allows you to sync donations with all your bank accounts.
If you are looking for one of the best apps to invest in small amounts of cash you might want to try acorns. This app can handle the heavy lifting by automatically investing for you. It is directly connected to your bank accounts and credit cards. It can take some of your purchases off every day and automatically invest that money in a diversified portfolio of more than 7,000 stocks and bonds. In addition, Securities Investor Protection Corporation (SIPC) protects up to $ 500,000 to keep your money safe. Acorns cost $ 1 per month for accounts that invest less than $ 5,000. If your account grows to more than $ 5,000, the fee is $ 0.25 per year.
This app is about keeping an eye on your spending and keeping costs under control. It works for multiple currencies and banks. With this app, you can plan your financial future and track all your spending and revenue. The app is free, and you do not have to make payments or enter credit card information. If you pay a monthly subscription fee, you can synchronize and automatically categorize your banking transactions, create an unlimited number of accounts (the free version has a limit of three), and you will receive graph reports on the state of your finances in the different bank accounts , Credit cards and more.
If you want to keep track of your investments, stocks, retirement plans and bank accounts and budget your expenses in a single app then Personal Capital is the multiplatform financial portal for You. It is also available online and on wearables. Rather than track your net worth passively through various institutions like Mint (see below), this free app actively compares the performance of your stock with the markets in real time, so you are up to date on financial health. The app even provides access to a team of professionals who offer more personalized advice to further develop your nest, although these optional services incur additional costs.
Money Lover is a free app that offers a clean, colorful interface and lots of nice features, but there is one drawback. This budgeting app allows you to calculate your expenses in great detail and automatically categorizes the expenses of food, drinks, games and anything else you could buy with pretty pictures. The app also captures your earnings and expenses over the past, present and future months. Everything is displayed in an easy-to-read format. The biggest problem with Money Lover is that the free version contains some annoying – and often invasive – ads that disrupt the otherwise awesome interface.
Mint, Intuit’s personal finance app, is a lifesaver when it comes to controlling your overall financial health.This budget app connects to all your bank accounts, loan accounts and credit cards, and display them in a single, streamlined interface, which is especially useful for finding specific transactions, so you can find out which card or account you bought in the store, and Mint’s mobile iteration syncs even with the service’s robust web interface, offering based on your customs Recommendations for new credit accounts and credit cards. These features, combined with the app’s ability to show you the upcoming bills at a glance, make it a standout product.
Here is another spare part. Change your investment app With Stash, you can invest in small increments – for example, $ 5 each – and in a variety of available portfolios, whether you prefer it manually or through automated payments. Designed for the less savvy investor, the app also includes learning tools that will encourage you to develop smarter financial habits over the long term, so you can make solid investments and manage your money confidently. In fact, Stash can help you find companies that are aligned with your values so you can choose companies that make progress in equality, ecology, and more.
Mobills promises fewer issues with a simple user interface and a lively display. Oh, and the charts! Did we mention the charts? Whether you need a pie chart that proportionally displays all of your spending, a line chart that measures your income over a period of time, or any other monetary metric that you want to visually encapsulate, Mobills offers a wide choice. There is even a section where you can plan your dreams and how long it will take to reach them, based on the money you provide each month. The latter is a nice feature, at least until you see how long you have to save for this vintage Westfalia.
Invoices, bills, bills. Between utilities, mortgages or rentals, student loans, subscriptions to streaming and all the other costs of modern life, keeping up with cash flows can be difficult. With Prism, you can track all of your financial obligations with a clear user interface and calendars that allow you to plan your payment days and deadlines. One of the really great things about Prism is that you can sync your accounts to companies you pay bills to. Prism claims it works with more than 11,000 billers like Xfinity, Verizon, etc. – and your bank accounts
Did you know that you can partner with family and friends to make a group purchase with PayPal? Read our version of Paypal Money Pools and find out what it is and how you can use it.
You can also view personal finance apps suggested by iCredit.