Best budgeting apps
The Emma personal finance app helps you take control of your money. Using the Emma app, you can build your credit, save more and spend less. It’s a financial membership which...
Chip is an award-wining app that lets you manage your funds across Chip savings accounts. After downloading the Chip app, it only take a few minutes to set up a Chip...
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With Plum you can save your money with Savings Pockets. With Plum Basic and Plus, you can open one Plum Savings Pocket. With Plum Pro, you can open up to ten...
The Kroo app gives you one home for your money. You can spend, track, send money and get real-time spending insights. The app also has the ability to categorise your transactions. Kroo...
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We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.
It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.
Snoop is an award-winning, free money management app. Using the Snoop app you can track your spending, set budgets, cut your bills and control your finances. You can also connect your...
The Better Off Calculator is a tool that quickly calculates your benefit entitlement and shows you what money you may be missing out on. You can use the free calculator...
Want to read TopCashback reviews from people just like you? See what the Smart Money People community says below about using this leading cashback site and app. We collect TopCashback...
The Doshi app is a financial literacy app. Doshi offers a series of interactive lessons that help people learn about money and they can ask the AI assistant questions. Doshi sets...
Cora is NatWest’s digital assistant. Cora is available 24/7 and can help get things done and guide you to the right place. Cora can complete tasks for you when you’re...
With Curve, you can connect multiple cards and accounts across providers into one single card and app. You can switch payments from one card to another, up to 120 days after...
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Frequently asked questions
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What are budgeting apps?
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Budgeting apps are digital tools that help you manage your finances in one place. They typically connect to your bank accounts to automatically categorise your spending, show you where your money is going, set and track budgets, and help you work towards financial goals. Some also include features like bill tracking, savings pots and investment tracking. Most budgeting apps are available on iOS and Android.
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Are budgeting apps worth it?
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Yes, budgeting apps are worth it for most people, especially if you find it difficult to keep track of your spending across multiple accounts. The best budgeting apps automatically categorise transactions and give you a real-time picture of your finances, which can make it significantly easier to spot where you’re overspending and where you can save. Many good budgeting apps are also free.
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Are budgeting apps safe to use?
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Most budgeting apps use the same bank-grade encryption as online banking and are regulated by the Financial Conduct Authority (FCA) if they access your financial data. Reputable apps use open banking technology, which means they can read your transaction data but can’t move money. As with anything financial, it’s worth checking the app is FCA-regulated and reading reviews from real users before connecting your bank accounts.
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Can a budgeting app help save towards specific goals?
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Yes, most of the best budgeting apps include goal-setting features that let you create savings targets, track your progress and see how your everyday spending affects your ability to reach them. Whether you’re saving for a holiday, building an emergency fund or paying off debt, a budgeting app can give you a clear view of what’s realistic based on your actual income and outgoings.
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What is the best free budgeting app in the UK?
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Several well-rated budgeting apps are available for free in the UK, including apps that connect to your bank accounts via open banking. Our rankings above are based on real customer reviews, showing you which apps are rated most highly for ease of use, features and reliability. The best free budget app for you will depend on whether you want simple spending tracking or more advanced features like investment tracking and savings goals.
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Do budgeting apps work with all UK banks?
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Most budgeting apps support the major UK high street banks and many digital banks via open banking. However, coverage varies by app, some work with a wider range of providers than others. It’s worth checking that the app supports your specific bank before downloading. If your bank isn’t supported, you may still be able to use the app by importing statements manually, though this is less convenient.
Best budgeting apps
Our rankings of the best budgeting apps in the UK are based on real customer reviews, helping you find the top household budgeting tools quickly and easily. Whether you’re looking for the best free budget app to track your spending, a premium app to manage investments and savings goals, or a simple money management tool for everyday budgeting, find the right app for your needs based on genuine customer satisfaction.
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