The Best Apps To Help You Budget

Whether you spend too much money eating out or playing progressive slots on your way to work, at some point, you’re going to need to budget before you burn out. Let’s be honest, it’s only the wealthy that don’t need to watch where their pennies are going. The rest of us are forced to be cautious with our money or pay the price for not doing so. Whatever your hobbies are, eventually, they have to give way to everyone’s favourite responsibilities, like paying rent and utilities.

Budgeting isn’t something that everyone’s good at but we can all learn how to do it. If you don’t trust yourself to do it alone, there are plenty of great apps out there right now that can make saving money a lot easier and, possibly, even fun. Keep reading to learn about a few of the best ones. 


Emma is one of the most popular money-management apps currently available. It puts a major focus on doing away with unwanted or wasteful subscriptions and allows you to effectively categorise your expenses, so tracking spending becomes much less complicated. This is what makes it ideal for both individuals and new businesses. 

To get started, simply sign up and share your banking information with the well-encrypted platform and you can effortlessly view all of your accounts on one easy-to-manage interface. Anyone that’s considering this option will no doubt be pleased to know that the service is free – so there’s no need to factor Emma into your new budget plans. 


  • Groups all of your accounts together
  • Integrates with all major banks
  • Makes it easy to cancel subscriptions


  • It’s a read-only program – transfers cannot be made between accounts
  • No weekly or monthly comparisons


Within just a couple of minutes, you can be well on your way to proper budgeting and cutting costs thanks to Plum. Just like Emma, it’s available for free, but there are three paid plans available – Plus, Pro, and Ultra – if you want a little more from your budget app. You can invest, set proper targets, and even gamify your goals by taking part in the 52-week challenge. 

When it comes to saving money, Plum’s AI-assisted, security-led software automatically sets cash aside after first performing checks on your account and deciding on the amount you can afford to save. What’s more, you can earn as much as 0.40% AER for essentially doing nothing!


  • Has investment opportunities
  • Prevents payments from sending you into your overdraft
  • Withdraw money 24/7


  • Customer service runs on limited hours
  • The best features are part of the paid plans


Yolt puts the budgeting power in your hands with its free open banking software. Simply add the accounts and credit cards you want to track and Yolt will get to work, analysing your spending habits and compiling the data into easy-to-read charts and reports. That means those coffees every morning on the way to work or the odd tenner spent playing online slots that soon add up will be easy to track. 

Alongside the overview you’re given, you’ll get free tips and advice on the best ways to save money; there are even promotions and discounts on banking products that you won’t find elsewhere. And just like Plum, Yolt also offers an automatic money-saving feature called ‘Money Jar’, making it easy to save every day as you make purchases. 


  • Offers exclusive discounts on banking products
  • The software is well encrypted
  • Easy-to-track budgeting tools


  • Your data is only accessible via the smartphone app
  • Some major banks still aren’t connected to Yolt