Smart Money Moves: Top Finance Apps for 2025

YNAB: Your Financial Coach

• Cost: $15/month or $109/year
• Free Trial: 34 days
• Features:
• Assign jobs to your money
• Plan every dollar
• Easier spending decisions

Empower: Retirement and Net Worth Tracking

• Core Tools: Free
• Wealth Management: Annual advisory fee
• Features:
• Track net worth
• Manage budgets
• Plan for the future
• Comprehensive dashboard

Quicken Simplifi: Cloud-Based Organization

• Cost: Starting at $3/month
• Bundle: $4/month with LifeHub
• Features:
• Automatic money organization
• Spending plan after bills and savings
• Cloud-based solution

Monarch Money: Shared Financial Dashboard

• Cost: $8.33/month (billed annually)
• Features:
• Invite a partner at no extra cost
• Share or keep accounts private
• Breakdown of Amazon and Target orders

PocketGuard: Safe Spending Tracker

• Basic Use: Free
• Plus Plan: $13/month
• Features:
• Shows safe spending amount
• Tracks income, bills, subscriptions, and savings
• Unlimited accounts and custom budgets with Plus plan

Choosing the Right App

• Considerations:
• Budgeting needs
• Retirement planning
• Sharing finances with a partner
• Lifestyle and financial goals