(In other words, Marcus Insights is one of the best budget apps for iPhone, but we definitely can’t say the same for Android.)ĭisclaimer: The information featured in this article is based on our best estimates of pricing, package details, contract stipulations, and service available at the time of writing. The Android app seems a little glitchy, but it’s also much less fully featured than its iOS counterpart. Unfortunately, while Marcus Insights has the highest-ranked iPhone app of any budget app on our list, its Android app has the lowest-ranked app of any on our list. Marcus Insights, on the other hand, is an Goldman Sachs app that anyone can use-even those who don’t have a Marcus bank account. Just so there’s no confusion, Marcus by Goldman Sachs is an online bank featuring savings accounts, checking accounts, personal loans, CDs, and more. The insights, in the form of reports and easy-to-understand graphs, can help you make informed, empowered financial decisions. Once you sync your credit card, checking account, investment account, and any other financial accounts, Marcus Insights starts generating, well, insights into your spending habits.

Marcus Insights is a free money management app that acts like a hub for all your financial accounts. If you like it enough to sign up, we recommend making the up-front annual payment if you can: paying annually saves you about $80 overall. But the site is intuitive and easy to navigate, and the vast user community is on hand with immediate practical advice.Įven though it costs money in a market of freebies, YNAB is still our top choice. YNAB definitely demands a learning curve-you'll have to watch some videos and read some articles to set up your account, add your financial information, get to know the envelope budgeting system, and start expense tracking. If it sounds a little complicated, well, you're not wrong. In other words, you're learning to purchase intentionally and save sans spending sprees. Then, you spend your dollar on that task only. (As the Gilmores might say, it's not an app, it's a lifestyle.)Īs per YNAB's four budgeting rules (which follow zero-based budgeting principles), you should assign each dollar you earn a task, whether that's helping you buy dinner or save for a vacation. Instead, the app actively teaches you to budget. YNAB's approach to budgeting goes beyond tracking your money to see where it goes.

Best personal finance software 2014