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Managing your finances doesn’t have to be complicated, and there are so many tools available now that can make things easier (and even partially automated) for you. I was a Mint user for many years, but I was forced to find a new budgeting app after the service shut down in March 2024. Mint’s parent company, Intuit, prompted folks to try their other financial app, Credit Karma. However, after testing Credit Karma myself, I found it to be a poor Mint replacement. So I set out to try all of the best budgeting apps available today to find a new home for all of my financial tracking and goal-setting. Hopefully my journey can help you find the best budgeting app for you and your money as well.
Best budget apps of 2025
Quicken Best budget app overall Quicken Simplifi No pun intended, but what I like about Quicken Simplifi is its simplicity. Whereas other budgeting apps try to distinguish themselves with dark themes and customizable emoji, Simplifi has a clean user interface, with a landing page that you just keep scrolling through to get a detailed overview of all your stats. These include your top-line balances; net worth; recent spending; upcoming recurring payments; a snapshot of your spending plan; top spending categories; achievements; and any watchlists you’ve set up. You can also set up savings goals elsewhere in the app. Getting set up with Simplifi was mostly painless. I was particularly impressed at how easily it connected to Fidelity; not all budget trackers do, for whatever reason. This is also one of the only services I tested that gives you the option of inviting a spouse or financial advisor to co-manage your account. However, it doesn’t connect to Zillow, a feature I wish it had. Various competitors including Monarch Money and Copilot Money work with Zillow, so clearly there's a Zillow API available for use. As it stands, Simplifi users must add real estate manually like any other asset. In practice, Simplifi miscategorized some of my expenses, but nothing out of the ordinary compared to any of these budget trackers. As you’re reviewing transactions, you can also mark if you’re expecting a refund, which is a unique feature among the services I tested. Simplifi also estimated my regular income better than some other apps I tested. Most of all, I appreciated the option of being able to categorize some, but not all, purchases from a merchant as recurring. For instance, I can add my two Amazon subscribe-and-saves as recurring payments, without having to create a broad-strokes rule for every Amazon purchase. The budgeting feature is also self-explanatory. Just check that your regular income is accurate and be sure to set up recurring payments, making note of which are bills and which are subscriptions. This is important because Simplifi shows you your total take-home income as well as an “income after bills” figure. That number includes, well, bills but not discretionary subscriptions. From there, you can add spending targets by category in the “planned spending” bucket. Planned spending can also include one-time expenditures, not just monthly budgets. When you create a budget, Simplifi will suggest a number based on a six-month average. Pros Easy-to-use app with a gentle learning curve
Does a good job detecting recurring income and bills
Less expensive than the competition
Lets you share app access with a spouse or financial advisor
Handy refund tracker Cons No free trial
You can't create an account using your Apple or Google ID
No Zillow integration $72/year at Quicken
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