Best Money Management Apps to Boost Wealth
Smart money management is the foundation of financial success. Whether you’re budgeting, saving, investing, or tracking your net worth, the right app can help you stay organized, set goals, and build lasting wealth. These top-rated apps offer tools to simplify your financial life and help you make smarter decisions with your money.
Here are the best money management apps to boost wealth, based on features, flexibility, and user experience.
💼 1. Empower (formerly Personal Capital)
Best For: Comprehensive wealth and investment tracking
Key Features:
- Tracks net worth, investments, and retirement accounts
- Analyzes asset allocation, fees, and portfolio performance
- Includes a free retirement planner
✅ Pros:
- All-in-one dashboard for finances and investments
- Great for long-term wealth planning
- Free to use (advisory services optional)
⚠️ Cons:
- Focuses more on investment tracking than budgeting
- Offers upsells for wealth management
📱 iOS | Android | Free
📊 2. YNAB (You Need A Budget)
Best For: Intentional budgeting and long-term savings
Key Features:
- Based on zero-based budgeting
- Helps plan ahead for every dollar you earn
- Real-time syncing across devices
✅ Pros:
- Encourages conscious spending and saving
- Strong community and support resources
- Ideal for breaking paycheck-to-paycheck cycles
⚠️ Cons:
- Monthly subscription
- Learning curve for new users
📱 iOS | Android | Free trial, then $14.99/month or $99/year
💳 3. Mint
Best For: Budgeting and credit score tracking in one place
Key Features:
- Syncs with bank, credit, and investment accounts
- Automatic transaction categorization
- Tracks spending trends and goals
✅ Pros:
- Free to use
- Includes credit score monitoring
- Good for beginners
⚠️ Cons:
- Ads and financial product suggestions
- Limited customization and updates
📱 iOS | Android | Free
🏦 4. Monarch Money
Best For: Modern, flexible money management for individuals and families
Key Features:
- Budgeting, goal tracking, and net worth monitoring
- Collaborative tools for couples
- Custom categories and spending insights
✅ Pros:
- User-friendly and visually appealing
- Combines budgeting and wealth planning
- No ads
⚠️ Cons:
- Paid subscription
- Fewer financial integrations than older platforms
📱 iOS | Android | Free trial, then $14.99/month or $99/year
📈 5. Kubera
Best For: Net worth tracking and global wealth management
Key Features:
- Tracks traditional and digital assets (including crypto, real estate, and collectibles)
- Syncs with thousands of banks worldwide
- Includes life planning and beneficiary tools
✅ Pros:
- Comprehensive net worth snapshot
- Great for high-net-worth individuals
- Clean, intuitive interface
⚠️ Cons:
- No budgeting tools
- Annual fee required
📱 Web-based | Free trial, then $150/year
🧾 6. PocketSmith
Best For: Forecasting future finances and budgeting
Key Features:
- Create custom budgets and financial forecasts
- Link bank accounts or import transactions manually
- See how today’s decisions affect your long-term outlook
✅ Pros:
- Future-focused financial planning
- Flexible budgeting options
- Great for scenario modeling
⚠️ Cons:
- Can be overwhelming for beginners
- Paid plans needed for full access
📱 iOS | Android | Free basic plan; paid plans start at $9.95/month
💡 7. Goodbudget
Best For: Envelope-style budgeting and cash-flow management
Key Features:
- Allocate income into spending categories (“envelopes”)
- Manual entry encourages financial mindfulness
- Syncs across devices for family use
✅ Pros:
- Great for goal-based saving
- Ideal for couples or shared budgets
- Simple and distraction-free
⚠️ Cons:
- No automatic syncing (manual updates)
- Limited investment features
📱 iOS | Android | Free (Plus plan available)
Final Thoughts
To grow wealth effectively, you need visibility, control, and a plan—and these apps offer just that. If you’re focused on long-term wealth building, Empower and Kubera are excellent. For mastering your budget, YNAB and Monarch Money are top choices. Choose the app that aligns with your financial goals, and let it guide you toward smarter decisions and greater financial freedom.