7 Best Personal Finance Apps

By Rob Berger, JD | Last Updated: March 7, 2026

We’ve compiled the most popular and powerful personal finance apps to help you find the perfect match for your financial strategy. I’ve personally used and tested every app on this page. The first app, Monarch, is the one my wife and I use today. I also use Kubera to track or investments and net worth.

Top 7 Personal Finance Apps

1. Monarch Money: Best Overall

Monarch Money is like your financial control center. It’s an all-in-one platform for budgeting, investment tracking, goal setting, and long-term financial planning.

Monarch has a slick interface that creates colorful charts for all of your financial information. It offers flexible budgeting, smart investment tracking, and net worth updates. You can create custom categories and set goals, even easily categorize your Amazon purchases. Flexible budgeting also accounts for those expenses that aren’t monthly but still recurring, such as seasonal expenses or quarterly tax payments.

It links to over 13,000 financial institutions so odds are it can link with yours. 

Why It’s Great: Monarch’s intuitive design and powerful features make it ideal for both budgeting and comprehensive financial management.

Limited Time Offer: Get 50% off the first year subscription with Promo Code ROB50.

Read my Monarch Money Review 

On Monarch’s Website

2. Empower: Best for Tracking Investments

Empower outshines others with its powerful investment tracking and retirement planning features. Empower can budget, track net worth, and track bills, but what it does best is track investments.

Once you connect all of your accounts, it automatically updates everything throughout the trading day, so you have an up-to-the-minute view of your bottom line. It can also compare your portfolio to the S&P and analyze your asset allocation. 

The retirement planning features are top-notch, and did we mention Empower is free to use? You can play with multiple scenarios, including when you retire, how long you live, how much you spend, and then compare the outcomes. Empower also gives you a score to indicate your retirement readiness.

Why It’s Great: Empower is excellent for users who want a holistic view of their financial situation, with a special focus on retirement.

3. Rocket Money: Best for Bill Negotiation

Rocket Money helps users manage their subscriptions, track spending, and cut expenses. There’s a free version or a Premium subscription.

Rocket Money can help you build a budget, track your spending, and even cancel unwanted subscriptions for you. If you pay for the premium version, Rocket Money can also negotiate bills on your behalf. 

The Premium subscription costs between $7 and $14 per month. You get to choose the price within that range depending on what you think the service is worth.

Rocket Money is great for beginners or anyone overwhelmed with managing expenses. Rocket Money will even send you an alert if it looks like there isn’t enough money in your checking account to cover an upcoming bill. 

Why It’s Great: It’s perfect for users looking to optimize their spending and manage recurring expenses.

Read our Rocket Money Review

4. Origin: Most Comprehensive App

A newer player in the personal finance software space, Origin offers a sort of one-stop-shop for financial features. It can do what most financial apps do, such as budgeting, spend tracking and insights, and calculate net worth. But then Origin tosses in some features that most apps don’t have, such as tax filing, estate planning and the option to park your money in a high-yield savings account. 

One feature for investors is pretty cool: you can invest in themed stock bundles like “Clean Energy,” “Buffet’s Picks,” or “Mid-cap Movers.” Each bundle is made up of 8-20 stocks and it makes it simple to get into investing.

Some of these services are included with your subscription fee of $12.99 a month ($99 if billed annually) and some incur an additional fee. For example, setting up a basic will is included, while setting up a trust is $359 for members.

Why It’s Great: Origin combines everyday money management with advanced features like tax filing, estate planning, and investing. It’s a true all-in-one platform for building wealth.

Limited Time Offer: Get your first year subscription for just $1.

5. Kubera: Best for Comprehensive Net Worth Tracking

Kubera is known for being a sophisticated personal finance tracker with an emphasis on investment and net worth tracking. Investment portfolios can be complicated. No matter how diverse your assets are, Kubera can track them all. International stocks, crypto, private stocks, real estate, cars, and commodities. 

Kubera isn’t cheap. It’s not for the person who just has a few accounts and wants a solid budget. Kubera is for people who want an in-depth analysis of their net worth. 

You can share a read-only view of your portfolio with anyone you want: spouses, partners, financial advisors. 

There are two levels of membership: Kubera Essentials and Kubera Black. Kubera essentials includes most of the features of net worth tracking and costs $249 a year. There’s Kubera Black, which includes VIP support, concierge level onboarding, nested portfolios and granular access control. Kubera Black is $2,499 a year, which is mostly for financial advisors, family offices, and those with complex assets, trusts or business entities. There is a 14-day trial which includes all the features, and you can choose the plan you want after the trial is over. 

Is it worth it? Well, that depends. If your portfolio is complex and unwieldy and you want an easy to read report, it could be worth it. Of course, there are free apps, like Empower, that do the same thing, albeit not as well, especially if your investments are complicated. 

Why It’s Great: Kubera is ideal for those looking for a comprehensive tool to track their assets.

6. Boldin: Best for Retirement Planning

Planning for retirement can be a scary prospect. Boldin focuses on retirement planning with unique features for creating and managing retirement portfolios. Boldin gives you personalized insights and a forecast for the future based on your accounts and income.

There are three steps: (1) setting up your retirement planner including your goals; (2) get a personalized forecast and insights; and (3) play with various scenarios to see where you can improve. 

There’s a “Monte Carlo Explorer” which allows you to explore over 1,000 different scenarios that could affect your retirement, such as inflation rates, market returns, age of retirement, etc. 

There’s also a Social Security Explorer which can give you insights as to when to start taking Social Security and how much money you’ll have based on certain factors. 

There are three tiers of membership: Free, Planner Plus and Boldin Advisors. Free includes a personalized plan and some “what if” scenarios. Planner Plus includes more insights, a Roth Conversion explorer, state and federal tax projections, side by side comparisons and a host of other features. This costs $12 a month, or $144 annually and is billed as soon as your free trial is over. Boldin Advisors offers sessions with fiduciary CPAs and costs a $2,500 flat fee. 

Why It’s Great: Boldin is a standout for users who prioritize detailed retirement planning.

7. ProjectionLab: Best for Early Retirement Planning

ProjectionLab is designed to help users plan their retirement by running different financial scenarios. ProjectionLab (yes, it is one word) allows you to play with multiple scenarios regarding retirement and offers an array of possible outcomes.

Not only can you plan for retirement, you can plan for your kids’ education, vacations–whatever you choose. Monte Carlo simulations allow you to play with age of retirement, purchasing a home, paying off student loans, a new job–anything you can imagine. It will then give you a score indicating your chance of success.

ProjectionLab is perfect for those who want to retire early and want to see how various trade-offs affect this possibility. There is a free version, but to unlock all the best features you’ll need the premium plan, which is $109 a year, or you can get a lifetime subscription for $799. If you use it regularly, this may be the best deal because you won’t have to worry about price increases. On the other hand, we all know what happened to Mint. 

Why It’s Great: ProjectionLab is perfect for users who want to fine-tune their retirement plans and make data-driven decisions.

Comparison of the Best Personal Finance Software

Software/App	Pricing	Free Version	Best For
Monarch Money	$14/month or $99/year	No	Best Overall
Empower	Free (investment services are not)	Yes	Investment Tracking
Rocket Money	Between $7 and $14 per month (Premium version)	Yes	Bill Negotiation
Origin	$12.99/month or $99/year	No	Most Comprehensive
Kubera	$249 per year (Kubera Essentials)	No	Net Worth Tracking
Boldin	$12 per month (Planner Plus)	Yes	Retirement Planning
ProjectionLab	$109/year (Premium) or $799 (Lifetime)	Yes	Early Retirement

What To Look for in Personal Finance Software

Budgeting Features

Budgeting is the backbone of financial success. It is the reason you don’t run out of money every month and repeatedly say things like, “I have $5 to live on until my next paycheck.” Good budgeting tools can give you insight into your spending habits (turns out I spend over $100 at Starbucks every month). You can also plan for seasonal expenses and set goals. 

If you share finances with a partner, you’ll want to be able to sync your individual accounts so each of you can see what’s going on. Some apps are paid, some are free. It’s important to choose one that you like and will use. 

Investment Tracking

You can’t improve what you don’t measure. A great personal finance tool will track your investments and net worth is necessary to determine if you’re moving in the right direction. The best investment trackers can monitor brokerage portfolios, real estate, mutual funds, and even cryptocurrency. Bonus points if it flags high fees or poor diversification.

Retirement Planning

The best retirement tools can help you map out a strategy to make sure you don’t run out of money in your golden years. These tools feature calculators and allow you to play with various components, such as when to start taking Social Security benefits and how much to invest to meet your goals. 

User Experience

Some tools have a slick interface and are intuitive and easy to use. Others provide deeper insight but have a steep learning curve. Make sure the software fits your comfort level and learning style. Before you sign up, read reviews and find out if there’s good customer support. You’ll want to know in advance in case you run into a problem. 

Integration with Banks and Financial Institutions

It’s important that the tool you choose can easily and securely sync with all of your accounts. Sure, you could enter them manually, but it’s easier and faster if the app does it automatically. 

Security

This is your financial life we’re talking about. No one wants to risk sensitive financial data. The tool you choose should have bank-level encryption, multi-factor authentication, and a solid reputation for protecting user data. And of course, use a strong password and change it regularly, especially if you suspect you’ve been compromised. 

Final Thoughts

There’s no shortage of personal finance software, but not every app is right for every person. Think about what matters most to you: early retirement, cutting spending, tracking a growing portfolio, or just getting started. Then choose the tool that fits your strategy and style.

The best app is the one that helps you make smarter decisions and stick with your financial plan. Try a few, run the numbers, and stay the course.