Best Budgeting Apps for 2023 (FREE Options)

The best budgeting apps don’t need to be expensive, complicated, or time-consuming. They just need to work. If an app can track your spending, show where money is coming in and out, and alert you to whether or not you’re hitting your savings goals, then odds are it’s worth using. But, of course, you don’t even need to use an app if you want to do basic budgeting; Mindy Jensen, host of the “BiggerPockets Money Podcast,” started budgeting the old-fashioned way—and it worked!

So what are the best budget apps for 2023? And for those that cost, will they put money back into your pocket? Mindy has tried numerous expense tracking, budgeting, and personal finance apps. Some work well, but others aren’t worth the effort. So if you want a list of simple, effective, money-saving apps to help you build a better budget in 2023, stick around—we’ve got the best free, paid, and old-fashioned ways to budget WITHOUT the burnout!

What’s your favorite budgeting app? Is there one you would recommend that we didn’t mention in our list? Let us know in the comments below!

00:00 Budgeting Doesn't Have to Be Hard
02:41 Free Ways to Budget
07:24 Paid Budget Apps
09:06 How to Start Budgeting

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The 3 Things You MUST Do in 2023 to Reach Financial Freedom
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Check Out Mindy’s Live Budget:
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The Two Best Budget-Building Apps, Compared and Contrasted:
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FREE Budgeting Apps Mentioned in This Episode:
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PAID Budgeting Apps Mentioned in This Episode:
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[LOLZHAHANOTFUNNY]

If you've never budgeted, let me encourage you. My husband and I have been budgeting every month for 5 years. Remember how hard it is to set up utilities and autodraft when you move to a new house or apartment? Budgeting is like that. Setting it up is hard, lots of details to nail down. But it becomes so second nature that it's hard to imagine stopping. We now can't imagine life without our personal fun money line items and the "entertainment" category that grows more every month. The 1st of every month is fun because the amounts reset and you have all this new room to spend for the month!

[karldc]

For Australians, the app Frollo is great for tracking transactions direct from your banks. It's free. You need to authorise it to read your bank transactions, but it doesn't need your login as uses open banking the gov setup. WeMoney is good too but it needs your login so I don't use that one

[raventyson]

Great information, thank you Mindy! 👌

[josearellano]

Positive vibes! Stop being so negative

[honzasgarage]

I've been using everydollar (paid version) for a while now and it's definitely made life easier for tracking transaction. We used to do it on paper, but it was so much headache