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Managing your personal finances can get stressful. To get the phone in your pocket to start paying itself off, here are six of the best apps for managing your budget and meeting your saving goals.

Of course, the best budgeting in the world may not be useful if you need emergency cash now. If this is in the position you find yourself in, you may want to consider applying for a personal loan with Jacaranda Finance.

If you’re working towards a saving goal, however, read on…


Cost: Free

This Australian-made app has a pretty long list of users – over 200,000 Australians to be exact.

Key features which make this app so useful is the ability to sync multiple banks, including all the major banks: Commonwealth, Westpac, ANZ, NAB, St George, Bankwest and others. All your money feeds are merged in one central place, showing you a net balance of all your funds. You can also choose which accounts are synced, so if you have a particular saving account you want to be left out, you can choose to not display it.

Features such as the “safety spend” are what makes this app so great. Users can set up an amount of money that they can safely spend on a weekly or daily basis. As you spend money the counter goes down, showing the remaining at the top of your screen – this way you always know exactly how much more you are allowed to spend and can budget the coming days accordingly.


Cost: Free

This neat budgeting tool is easy to use with a thoughtful design. The Wally app has the useful ‘smart scan’ feature, which allows you to scans receipts in order to upload data onto the app. Alternatively, you can manually add expenditures, putting each purchase into categories including personal, family, home, etc.

This app is slightly more basic and requires a bit more attention. You’ll need to manually enter each expense yourself as it doesn’t sync with your bank accounts automatically. Although it can be a good option if you don’t want to connect your bank accounts to the app.


Cost: Free

Goodbudget, or formally known as Easy Envelope Budget Aid, is a money management app that uses the good old-fashioned envelope budgeting system. This simple technique allows you to assign a particular amount of money to particular causes, for example, $1,000 to groceries or $140 to transport.

A particularly handy feature of this app is its ability to share financial information. It is ideal for couples that want to be able to stay on the same page. Just download the app to each phone and you both have your budget with you.

The free version allows you to create 10 envelopes and share across 2 devices, but you’ll have to pay if you want more envelopes and to share across additional devices.


Cost: Free

Dollarbird is a really simple, yet effective idea. It was designed to track income and expenses. This includes predicting upcoming expenses. Dollarbird lets you easily track your cash flow up to five years in the future.

This app may be a good option if you don’t love the idea of entering your bank account details onto an app. The app works on an open system. You can set up a four-digit passcode, but this is optional. The lack of personal or sensitive information you share on the app explains the need for less security.


Cost: $7.99

Pennies focuses on simplicity when it comes to keeping up to date with how much you have, to the health of your spending. This app is made for a younger crowd with simple, recurring bills.

The main function of the app is about making a budget and sticking to it by just inputting what you spend. It has a daily breakdown, which allows you to see how much you have to spend, this week, or month.

Pennies uses colour coding to indicate when you need to slow down, or if you’re fine with spending. When you spend minimally over the day, a pleasing green colour is used. A big purchase and it could push you straight into the red.

Need cash now and don’t have time to budget?

The best budgeting apps in the world may be of little use if you find yourself short of money and needing it immediately. If you find yourself in this position, a short-term personal loan from Jacaranda Finance may be able to help you. If you apply during AEST business hours, you could have an outcome on your application in as little as 60 minutes*.

To get started, scroll up and use our handy online calculator to see what your repayments could look like.

Written by: Jacaranda Team