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If you’re stuck in debt How to Get Rich: The Fastest Way to Get Out of Debt How to Get Rich: The Fastest Way to Get Out of Debt Imagine being debt free. No overdrawn balances or unpaid bills. There is a foolproof way of getting yourself out of debt. It starts with a plan and some discipline. Let's visit the other ingredients. Read More , the most effective way out is to start tracking your expenses. Think of it this way: if your canoe was sinking, wouldn’t you locate the leak first? You have to plug the hole before you can start bailing out the accumulated water.

For most folks, debt isn’t the problem — spending is. Even if someone were to wipe out your debt balance, are you confident that you wouldn’t plunge right back into that hole? If you can get your spending under control, then your debt problem will become much easier to manage The 6 Things You Need to Get Out of Debt Quickly The 6 Things You Need to Get Out of Debt Quickly Getting out of debt takes a lot of work, but if you know the right tools and strategies, you can get a big head start on becoming debt-free. Read More .

These apps can help you with that. Not only will they help you see where your money is going, but they’ll make your life more organized through automated bill reminders and other useful features. Check them out!

1. Prism

Prism is an awesome app that connects to all of your financial accounts (namely credit cards and billed services 15 Ways You're Wasting Money and Not Realizing It 15 Ways You're Wasting Money and Not Realizing It You're wasting a lot of money, and you might not even realize it. Plug these 15 leaks and save hundreds every year! Read More ) and automatically tracks all of your due dates and amounts each month. You can also pay it all through the Prism app itself, meaning you no longer have to juggle a million websites and logins! It really doesn’t get any easier than this.

Download: Prism for Android (Free) | iOS (Free) | Windows App (Free) | Kindle (Free)

2. Mint Bills

Formerly known as Check, Mint Bills is just like Prism: enter all of your bills, hook up your bank accounts, and let the app automatically manage and notify you when due dates arrive. You can pay through the app, either on demand or scheduled ahead of time. Whether you choose Prism or Mint Bills comes down to your preference for interface design. And now that Mint Bills has been integrated into the main Mint app, you can manage all of your finances from one place.

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Download: Mint for Android (Free) | iOS (Free) | Kindle (Free)

3. Monefy

expense-app-monefy

Monefy is like Prism and Mint Bills with a big difference: no automation. Instead of hooking up your accounts and letting the app take care of everything, you input your expenses manually as they occur. You’ll miss out on the bill reminders and pay-through-app features, but you gain more control and you end up being more involved in the process (which can actually help curb spending).

Download: Monefy for Android (Free)

4. Money Manager

expense-app-money-manager

Money Manager is closer to accounting software than it is a bill tracker. It’s best when you have money and assets flowing between multiple accounts. Money Manager has visualization features (graphs, charts, statistics, etc.) that can come in handy for seeing your financial progress on a daily, weekly, monthly, or yearly basis. It’s excellent for perfectionists.

Download: Money Manager for Android (Free)

5. Bills Reminder

expense-app-bills-reminder

If all you want is an app where you can input your recurring bills and have it send you reminder notifications when those due dates are up, then Bills Reminder is the one for you. It’s a lot simpler than the likes of Prism and Mint Bills, and you don’t have to worry about the security risks of hooking up your financial accounts. The setup is done by hand, and the notifications are automated.

Download: Bills Reminder for Android (Free)

6. TimelyBills

expense-app-timelybills

TimelyBills is a slightly more complex alternative to Bills Reminder. Its main function is a reminder app, but it has the ability to pay bills through the app if desired. The other big feature is the ability to see your bill spending trends over time, which can help you slash unnecessary household expenses How to Slash Your Household Expenses in 7 Easy Steps How to Slash Your Household Expenses in 7 Easy Steps Tired of seeing all of your income go towards bills and expenses? You aren't alone. We show you some of the best ways to slash your household expenses. Read More .

Download: TimelyBills for Android (Free)

7. Bills Monitor

expense-app-bill-reminders

If you’re an iOS user who’s disheartened that some of the apps above are Android-only, this one’s for you. Bills Monitor is an excellent app that lets you input various bills and makes them easy to track through notifications and a calendar view. Its closest analog among the apps above would likely be Bills Reminder.

Download: Bills Monitor for iOS (Free)

8. Prosper Daily

Formerly known as BillGuard, Prosper Daily is really good at helping you get your financial life back on track. It acts as a central location for all of your accounts with its Smart Inbox, and comes complete with detailed analytics, transaction maps, alerts of suspicious activity, and even free credit score tracking 5 Tricks to Improve Your Credit Score in Just 6 Months 5 Tricks to Improve Your Credit Score in Just 6 Months Improving your credit score seems complicated and confusing -- but it doesn't have to be! See how one writer went from the 300s to the high 600s in six months. Read More .

Download: Prosper Daily for Android (Free) | iOS (Free)

9. Expense IQ

Expense IQ is an advanced money management app. Manually input transactions as they occur and supplement them with photos if you’d like (e.g., receipts). Get reminder notifications for your recurring bills. Set up monthly budgets to limit your spending. Analyze your habits with detailed reports. Synchronize everything to the cloud so your data stays safe and secure.

Download: Expense IQ for Android (Free)

10. Goodbudget

budget-app-goodbudget

Goodbudget is unique on this list because it employs a special kind of money management: the envelope method. By splitting your budget into “envelopes,” it’s easy to see how much money you can spend in various categories without going into debt The Best Budgeting Apps for 7 Personality Types The Best Budgeting Apps for 7 Personality Types Which budgeting app is best? It largely depends on your personality and how you like to manage your finances. Check out these 7 apps and see which is a match for you. Read More . Use it to track bills or pursue financial goals. It seamlessly syncs across all devices for your convenience.

Download: Goodbudget for Android (Free) | iOS (Free)

11. Splittable

If you live with roommates, or if you don’t share finances with your spouse, then Splittable is an effective way to split and track various bills between parties. It’s great for rent, bills, groceries, trips, nights out, and more. This app will tell you when somebody owes somebody else. One glance is all you need to know if everyone is paid up.

Download: Splittable for Android (Free) | iOS (Free)

12. Expensify

Expensify is for those who need to track many expenses but don’t want to deal with the hassle of spreadsheets and the like. Its key feature is the ability to snapshot a receipt and have the app pull all relevant information off of it, thus automating the expense tracking process. It’s especially nifty for small business owners and frequent business travelers.

Download: Expensify for Android (Free) | iOS (Free)

13. Debt Tracker

expense-app-debt-tracker

Debt Tracker is a minimalist app for — you guessed it — tracking your debts. Everything is inputted manually. Use it to manage your personal debts to friends and family and your other debts like loans and bills. It also has the ability to track savings for individual goals, like vacations or purchases.

Download: Debt Tracker for Android (Free)

14. Level Money

Level Money is one of the best apps for streamlining your personal finances Use a Simple Budget App to Streamline Your Finances Use a Simple Budget App to Streamline Your Finances Using a simple budget app for managing your money can lower your stress and help you make better financial decisions. Here are some great options. Read More . You input your income, your bills, and your other regular expenses, then Level Money keeps a running tab on how much “spendable” money you have. It’s a not-as-strict way to be responsible and prevent accidental overspending.

Download: Level Money for Android (Free) | iOS (Free)

15. Pibi

expense-app-pipi

Pibi is a web-based money management app that focuses on power within minimalism. It’s really easy to use, and thanks to its responsive design, can be used in any browser regardless of device. It may not be enough for heavy-duty usage, but it’s perfect if all you need to track is occasional personal spending.

Visit pibiapp.com to get started

How Do You Track Bills and Expenses?

You only need one or two of these apps, so don’t go crazy. What’s more important is that you develop an understanding of where your money goes and how to rein that in.

These TED Talks on money 4 TED Talks to Help You See Your Money in a New Way 4 TED Talks to Help You See Your Money in a New Way Personal finance can be a scary and intimating subject. Luckily there is a wealth of information to help you learn. Here are some of the best TED Talks on the subject. Read More can definitely help with that, as well as these podcasts on good money habits 10 Podcasts That'll Help You Save Money & Get Out of Debt 10 Podcasts That'll Help You Save Money & Get Out of Debt There are a lot of money-related podcasts out there, but these 10 are the best for helping you get out of debt and master your money. Read More . Just remember that not all personal finance advice is good advice. Some of it can be harmful when taken out of context 5 Accepted Pieces of Personal Finance Advice to Ignore 5 Accepted Pieces of Personal Finance Advice to Ignore There's a lot of good personal finance out there, but there are some pieces of financial advice that you should definitely ignore. Here are five of the most common. Read More .

What do you use to track your own expenses and budgets? Are there any good apps that we missed? Share with us in the comments below!

Image Credit: George Fairbairn via Shutterstock.com

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  1. alon
    July 1, 2017 at 10:45 am

    I use Geltbox Money (www.geltbox.com) -automatic download from any website (banks,credit cards), high level of security (Your financial data is securely stored and encrypted only in your personal computer),
    When using Geltbox you don't need to give your banking account numbers and passwords to a third party.
    Geltbox doesn't use any third party Aggregation site (the user can aggregate his own data without exposing private data to any third party /web site).

  2. Luca Vignando
    December 21, 2016 at 7:09 am

    I tested many of them looking for balance between features and ease of use. In my opinion on IOS the best is ixpense it (icon looks like a safe with a tie), on Android is Expense manager (icon looks like a credit card with a pencil).
    They can track categories and subcategories, multiple currencies and tag by projects. They have simple but effective reports and handy features like recurring expenses, autocomplete based on previous entry and much more.

    Anyway I will have a look at the ones suggested here (I do not know some of them) and maybe next year I'll change my app.

  3. Shaw
    October 20, 2016 at 10:38 am

    I am using expense tracking tool, Apptivo. It features, prices and assists in managing business & personal expenses without any confusion. In my side, this tool tested well.

  4. Anonymous
    September 24, 2015 at 1:24 pm

    Most of app or paid or full of adds. Can not adjust it. Not enough parameters.
    I recommend just to use google docs to create forms. It will work on any devices, all results save to google drive in excel file. So you can do any analytics you may need. I have this step by step instructions here (http://hitech-us.com/articles/entry/23/How-to-create-your-custom-budget-tracker). It takes just 5 minutes to set everything up. You can share in with you wife for example so everything will be in one file. And safe enough. )))

  5. Anonymous
    July 6, 2015 at 4:50 pm

    Try using our personal expense tracking application at townbreath.com. The unique feature is the client-side data encryption. That means that your data are encrypted in your browser before sending to the cloud. This guaranteed that your data exist as plain text only in your browser. The decryption password never transmitted to the server and we never ask it. The application allows to organize your expenses into a few custom categories and provides some summary reports for days, months and even years. Your data are stored in the reliable and secure cloud database
    and available simultaneously from any of your computers or mobile devices, synchronization isn’t required. By means of this app you can gain more awareness about your expenses and ultimately reduce them and save your budget.

  6. Kevin Peter
    May 12, 2015 at 11:44 am

    Step by step approach to finalizing a vendor nearly took our breath off. Lot of jargons, too much info online, decision making was really challenging. Basic functionality with easy interface and flexible to handle our needs helped.

  7. Akshay
    December 19, 2009 at 3:12 pm

    Good article. Though would have liked http://www.mint.com up there.
    Fully-automated application for personal expense management.
    Tracks from source i.e. bank accounts and credit cards.

    However for shared expenses you can give a try to http://www.beezang.com. Super easy to use. Now even personal expenses can be tracked via it.

  8. Keepwrite
    August 4, 2009 at 2:05 am

    Saw this too.. Nice simple...but doesn't store info on the server...but very interesting.. Check it

    http://www.screeperzone.com/expensesharer/xsharer.html

  9. Asif
    July 22, 2009 at 1:04 am

    Very nice and useful article! Very recently came across this another tool to track daily expenses http://mychipper.com/. It is extremely simple to use and has a very neat interface. Has lots of other small nice to have features like reminders, tracking lent and borrowed money.

  10. munkypint
    July 2, 2009 at 4:03 am

    Am I the only one to feel uncomfortable having this information on the internet? I love having stuff on the cloud, but to me this is taking things a step too far.

    Would prefer a similar programmes to download and have it on my laptop only. Any recommendations?

    • pip
      October 22, 2009 at 5:27 pm

      Found this one also: whooweswhom.net. Seems to be still experimental. There's no help, so you have to find out the "philosophy" by yourself. But actually, I think I got it and I have to tell it's the fastest and simpliest tool I've seen to solve the "who owes whom".

  11. Samuel
    May 10, 2009 at 11:26 am

    Have you checked our receiptfarm?

    Expenses mail-in service in the UK. Great for freelancers and super easy to use.
    We have launched the BETA so it's still free to use

    receiptfarm.com

    Check it out and give us your feedback

  12. John Sowder
    October 29, 2008 at 10:49 pm

    Great list! I have tried a couple of these from your list...one that I am using now that is working great is the expense tracker. http://www.theexpensetracker.com
    I saw them on good morning america...it is the easiest I have found so far.
    You guys are doing a great job!.
    Thanks!
    John

  13. cubes
    October 31, 2007 at 7:50 am

    Thanks for the list. Have been looking for something to help me with my personal budgeting forever. If only I could find an add-on for it to my iCal!

    • Aibek
      October 31, 2007 at 12:39 pm

      Did you check all of the listed services? Maybe one of them has it. :?:

    • Francois Bondiguel
      July 5, 2009 at 2:38 am

      @cubes I recommend you give PocketSmith a try! It is a simple-to-use budgeting and cashflow forecasting application that uses a calendar for more natural interaction. You can also export your PocketSmith calendar from the iCal subscribe page!

      Read more about PocketSmith in this great product review by makeuseof.com : http://www.makeuseof.com/dir/pocketsmith-forecast-your-cashflow/

      Feel free to contact me with any questions you may have :) Regards, Francois

  14. Mama Money
    May 8, 2007 at 12:22 pm

    Wow--I had no idea there were so many options out there. Maybe I should try branching out from Quickbooks.

  15. Aibek
    May 1, 2007 at 12:50 pm

    Thank you guyz
    Mike, I like tweako as well, although i have difficulties finding queue section.

  16. me
    April 30, 2007 at 6:41 pm

    i LOVE your site. read it almost daily. thank you:)

  17. Mike
    April 30, 2007 at 7:09 am

    Impressive Roundup. I've tried only one or two of those so far - and I like what they can do.

    (submitted in queue to tweako)