FTC: This post is not sponsored however may contain affiliate links. All thoughts and weird comments are my own. millennial in debt

Let’s face it, creating a budget is not as simple as many people on the internet make it out to seem. You really have to have a sense of dedication and motivation to get it done, and get it done effectively. If you budget your money the right way, there will come that perfect pinnacle moment where your money actually starts to work for you. (Don’t get up and quit your job you still have to work!) But you will definitely be working smarter and not harder, and isn’t that always the mission.


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These 5 budget apps are extremely easy to use, and offer a visual representation of the money you have flowing into your pockets, and the money taking a quick exit.

budget apps

5 Easy Budget Apps To Track Your Expenses In 2018

budget apps

1. Wally (free)

Wally is one of my faves to really get my money together because it holds me accountable and let’s me see where my money is going (or not going). Wally at its core essence simply helps you track your expenses. The hard part for me is tracking my cash use (it’s much easier to track your credit and debit card purchases). Best part is even though you have to manually enter all your expenses (you can lie to yourself and the app if you so choose) you can take a picture of your receipts. This is how I keep track of my cash spending, because I always have the receipt! (I use it my receipts on Receipt Hog to get cash back on shopping trips).

2. Mvelopes (fee based app)

Okay… I was weary of putting Mvelopes onto the list because you do have to pay to use the app to its full potential, but they do have free offerings in the app as well. Mvelope allows you to link your bank account to the app (so you don’t have to manually enter your expenses). You can pay your bills from this app, and track all of your expenses/savings efforts. I’ll admit that I haven’t used this app to its fully potential because of the price that comes along with it, however the free option does give you several benefits that the other apps on this list give you as well. The paid option (95 for the year) allows you to do more detailed planning/budgeting, and you can also get a money coach. This app I suggest if you are on your way to full time adult, with adult responsibilities like a mortgage, a child, a spouse…etc. Otherwise you can stick to the free version, or use the other apps to fit your lifestyle needs.

3. Mint (free)

Mint is a really really good app also. Well if I’m mentioning it I assume that it is good, because I wouldn’t recommend you nonsense to waste your time or precious space on your phone. Mint is also one of my faves (probably even more than Wally) because it was the first app I’ve ever used that make me not hate budgeting. You can connect your bank account to the Mint app, and the app actually creates a budget for you based off your spending.

Mint reminds me a little bit of myself (strange I know) but they also give you tips (see… I do too) on how to lower your monthly bills to have more money left over at the end of the month. It’s no wonder this is my fave budget app, because I live to find ways to lower my monthly bills.

4. Good Budget (free and fee based)

Good Budget is also similar to the app Mvelopes as it offers a free option and a paid version. Good Budget lets you budget very very very clearly and specifically. They use the envelope budget method. The envelope budget method (I’ll write more on this on its separate post) is a method in simplest terms that visually helps you maintain a budget. So in essence all of these apps are digitally fulfilling the envelope budget method in some way shape or form. You’ve probably seen the envelope budget method in full effect on social media That’s where people put different amounts of cash in separate envelopes. Good Budget is a digital version of the envelope budget method (thank God) so you don’t have to carry around cash or a ton of envelopes.

If you are married or have a signifiant other that is getting their coin together with you, this allows you to sync your budget to all of your devices so you can both be means of support for each other as well as track when a certain someone takes a trip to Sephora. The free version will give you the basics of what you need to set up a great workable budget. The paid version (24 dollars for 6 months) gives you more “envelopes”, more devices to share to, more accounts and budget history.

5. Unsplurge (free- only available on iOS)

Last but certainly not least is Unsplurge. They take more of a motivational route to helping you reach your saving goals. This app is entirely free, but only available for iPhones… sorry Androids I’m sure it’s coming down the pipeline soon! Unsplurge is unique in the sense that it feeds into our whims so to speak. They help you budget/ save to reach your goal of purchasing whatever it is you have at your finish line. So if you want to work that iPhone X into your budget, Unsplurge can help you do that. I like that they take a motivational route, as I use it to help me factor/budget in vacations (Traveling the world as a millennial with student debt). 

And there you have it… 5 simple easy budget apps that you can add to your repertoire this year in order to live your best financial life. And kick your student loans (or whatever debt you may have) to the curb! ‘Til the next time!

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