![]() ![]() Those who want to sync the app with their bank account will need to pay for the Premium version, which costs $22.99/year. ![]() While Spendee offers a free version, it has limited features compared with its paid versions. If you’re going on a trip or another special event, you can create a category specifically for that event to track your spending and keep yourself on budget. And if you’re concerned about going over budget, you can set amounts for each spending category and track your progress toward the budgeted amount.Īdditionally, Spendee’s bill tracker functionality ensures you remember to pay each of your bills and avoid late payment penalties. You can also manually add cash expenses for a more accurate picture of where your money goes. You can import your bank transactions and let the app categorize them to tally how you’re spending money each month. But Spendee allows you to create wallets with friends and family that you can use to manage shared expenses for a household budget. AlternativesĪpp-only banks such as Starling Bank and Monzo combine the logistics of a current account with the addition of handy budgeting features such as personalised spending analytics, the ability to separate your money into savings pots or spaces and automatic saving with spare change roundups as you spend.Many other personal finance apps are for individual use. Monthly £1 fee if you want to invest your money. Pros: Helps you to save with little effort, also allows you to round up your spare change and earn interest on your savings.Ĭons: Have to pay to get some features that other apps offer for free, such as goal setting and cashback. Plum offers more than one plan and its premium options also offer the opportunity to invest your money as well as earn cashback, set savings goals and create saving spaces to separate your money.Ĭost: Plum Basic – free Plum Plus – £1 a month Plum Pro – £2.99 a month (free 30-day trial with both). It lets you know if you could be overpaying on your regular bills and suggests ways to save money. Plum takes budgeting one step further and does the hard work for you as it uses artificial intelligence to automatically calculate an affordable amount to save based on your spending pattern. ![]() Plum uses AI to automatically calculate an affordable amount to save. There is no Financial Services Compensation Scheme protection for any money you hold on the prepaid account. Features such as rounding up your spare change and scheduled payments mean you can maximise your saving.Ĭons: Yolt does not allow for weekly paydays. Pros: Encourages you to set spending budgets. Once you have connected your accounts, Yolt allows you to track your spending, see upcoming transactions, create budgets and set saving goals. Yolt allows you to organise all of your accounts in one place and you can take things one step further by using its prepaid debit card for everyday spending. Desktop version also available.Ĭons: Takes time to set up and its automatic spending categorisation could be better. Pros: In-depth budgeting analysis with personalised categories based on your individual spending. The level of customisation in the app is ideal for those with accounts and investments across a range of providers. Money Dashboard also graphs your projected monthly spending with a predicted balance at the end of the month. ![]() These include customisable categories for your spending – for example, you may want to group together all payments for presents around Christmas – and the option to add accounts manually. You can utilize the items dashboards to match up a total image of. Offers most of the same features as Emma Pro but at no cost. Personal Capital at the first spot on our list with the best application for building riches. Cashback and rewards for spending with certain retailers such as the Body Shop, B&Q, Gousto, Boots and more.Ĭons: A bit gamified and the push to subscribe to Emma Pro can become annoying. Good for: Beginners and managing subscriptions.Ĭost: Emma – free Emma Pro – £59.99 a year, with the first seven days free. ![]()
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