The 9 Best Financial Tracking Apps & Tools For Credit, Crypto, Savings & More

A budget can lead you to the path of prosperity.

1. YNAB

Consider YNAB (You Need A Budget). This app pops up on financial experts' list of favorites. "YNAB takes a proactive approach, encouraging you to assign every dollar a job and track your financial progress with insightful reports. It's all about making your money work for you, not the other way around," says Shinobu Hindert, a certified financial planner and author of Investing Is Your Superpower.

Furthermore, YNAB's real-time syncing with bank accounts and its educational resources can improve financial discipline and planning, says Taylor Kovar, a certified financial planner and CEO of PhysicianFinancialPlanning.com. He points out that YNAB may have a learning curve for investing newbies and requires a subscription fee. "But for many people, it is more than worth the value," says Erika Kullberg, an attorney and personal finance expert.

2. Honeydue

Hindert also likes Honeydue, a financial app for couples.

"It's your go-to free app for seamless budgeting with your partner. Imagine linking all your financial accounts and effortlessly coordinating your bill payments. Honeydue makes this a reality with features like reminders to ensure you never miss a bill and a notes function that allows you and your partner to communicate about transactions within the app," she says.

Your credit score is one of your most important digits. A good credit score can get you lower interest rates on loans, a greenlight for an apartment, and more. 

3. Intuit Credit Karma

Intuit Credit Karma, an AI-powered platform, offers free credit scores and reports, along with credit monitoring.

"Its standout feature is personalized recommendations, tailored to help you improve your credit profile," says Hindert. A side benefit: Intuit is also home to Mint, which helps you to track spending and find opportunities to save money.

4. Experian

Lawrence Sprung, a certified financial planner and author of Financial Planning Made Personal, is a fan of Experian's website and app.

Anything simplifying investing is a good thing. Hindert says investing apps like Acorns, Robinhood, and Stash are revolutionizing how beginners approach investing. 

5. Acorns

"Acorns stands out by simplifying the process through its roundup feature, which invests spare change from daily purchases into diversified ETF portfolios. Users love this," says Hindert. Acorns has no deposit minimums and offers educational content to guide new investors.

6. Robinhood

Robinhood offers commission-free trading for stocks, ETFs, options, and cryptocurrencies. Its user-friendly interface and educational resources make it popular among novice and experienced investors, says Hindert.

"It's a platform that can grow with you over time. With no account minimums and the ability to buy fractional shares, it's a cost-effective and simple option, though it lacks mutual funds and bonds," says Hindert.

7. Stash

Stash combines a robo-adviser and self-directed brokerage, providing personalized investment advice and access to retirement accounts.

There's a lot of curiosity about cryptocurrency. If you want to dabble in it, there are resources to help you make sense of it.

8. Binance

Binance comes recommended by Scott Lieberman, founder of TouchdownMoney.com. "It features low trading costs and more than 50 cryptocurrency options. If you want to invest in crypto, this is a great choice," he says. However, he adds that Binance isn't available in every state. 

9. Coinbase