Let's not sugarcoat it—keeping track of your finances is hard. With bills to deal with, debts to pay, and receipts to track, keeping your financial health in the best condition possible isn't always the easiest task.

Knowing the best budgeting apps to use makes that task so much easier. You don't have to be a math genius; you just need to find the best budget app for your finances. So, here's a short list to help you decide.

1. You Need a Budget (YNAB)

In the YNAB app, every dollar you spend has a purpose, and every dollar you earn gets allocated. Bills, trips out, the rainy day fund—they all get allocated to different "envelopes" which you can draw money from. The app also helps you track your debt repayments and encourages you to only spend what you have, reducing the need for credit cards and loans.

YNAB also has a modern web interface if you want to work on your finances on a desktop. It syncs with your checking, saving, and credit accounts (if you're based in the US or Canada), so you don't have to worry about tracking or adding your transactions manually.

Download: YNAB for Android | iOS (Free trial, subscription required)

2. Mint

Mint is developed by Intuit, the same company that runs Quickbooks, one of the best accounting tools for freelancers. You can sync your bank accounts with Mint to categorize and track your spending.

You can set up notifications for future bills and get alerts when you're close to spending more than your budget. You can also set regular savings goals and view tailored deals for financial products like loans, credit cards, and investments.

Thanks to Mint's partnership with Experian, you can check out your credit score to see what your current financial health is like. This will help you when you're looking to improve your credit score in the long run. Mint is totally free, with no added costs.

Download: Mint for Android | iOS (Free)

3. Goodbudget

Goodbudget is similar to YNAB as it uses envelopes to manage your money, but while YNAB is better for individuals, Goodbudget is more appropriate for households and couples looking to combine their finances. You share your joint income across envelopes created for your various spending priorities; when you spend money, you draw it from those envelopes.

You can add transactions manually or import them using files provided by your bank. Unfortunately, there's no option to sync your bank account directly with the app, so maintaining your budget will require more upkeep.

Goodbudget is free for basic use if you only have a limited number of accounts or spending priorities. If you've got a big budget, you can consider upgrading to a monthly subscription for extra features.

Download: Goodbudget for Android | iOS (Free, subscription available)

4. Every Dollar

Every Dollar keeps budgeting simple and focuses more on basic concepts such as saving more money, reducing debt quicker and building wealth. All you need to do is add your monthly income and planned expenses; you'll then get an overview that helps you see your current financial strengths and weaknesses.

If you subscribe to Every Dollar Plus, you can sync your transactions to the app automatically and view your account balances. You can even sign up for budget coaching sessions to help you organize your finances. You can also sync your budget across five devices, making it better for bigger households.

Download: Every Dollar for Android | iOS (Free, subscription available)

5. Spendee

Spendee is similar to the envelopes system followed by YNAB and Goodbudget, as it allows you to create multiple wallets and budgets, each devoted to a specific purpose. You can also add labels to your transactions, such as "Wants," "Lunch," and "Must Have," or create labels manually.

To avoid the hassle of manually adding recurring transactions such as salary, groceries, and bills, you can set a recurrence cycle that repeats every day, every week, every month, or more. We recommend Spendee if you're a freelancer or self-employed professional who needs to keep tabs on various sources of income.

Spendee is free, but you can unlock the premium version by subscribing to a monthly or yearly plan to get extra features such as syncing your bank account and creating unlimited labels.

Download: Spendee for Android | iOS (Free, subscription available)

6. Wallet: Budget Expense Tracker

Wallet by BudgetBakers is perfect for those who keep a cash-based budget. You start by adding your current cash balance and record transactions as you go along. Each transaction can be assigned a category and sub-category; for instance, gas for your car would go under Vehicle > Fuel.

What we love the most about Wallet is how easy it is to get used to. Other budgeting apps may require a learning curve, but Wallet's simple UI makes budgeting feel like second nature. Wallet also supports adding recurring transactions, creating separate budgets like Spendee, and locking the app with a PIN to keep your financial data safe.

Just like Mint, Wallet notifies you when you go over your budget or are at risk of overspending. You can sync your bank account with the app and create savings goals for things like a new car, home, holiday trip, emergency fund, and more. The app is free to install, but you can buy a monthly, yearly, or lifetime plan to get premium features.

Download: Wallet for Android | iOS (Free, subscription available)

The Best Budget Apps for Your Finances

Personal finance can be overwhelming sometimes, especially for those who have developed bad money habits such as impulse buying, eating out too much, upgrading their phone every year, and taking on more loans than they can repay.

Luckily, many budget trackers are available these days to help you reach your financial goals quicker and without stress. That said, do remember that while these tools are helpful, they are not a substitute for genuine financial discipline.

The easiest way to save more money is to simply cut down your lifestyle and live more frugally. Use those savings to build an emergency fund worth at least three to six months of your household expenses. After that, you can focus on bigger goals, such as paying off debt and retirement.