Whether your New Year’s resolution for 2019 is to save more, invest in a new business, or just manage your finances more efficiently, there’s an app for that.
Apps are a great way to get a grip on your finances. From real-time bank balances to receipt management for small business owners, the best financial apps help to simplify money management tasks for everyone.
If you want to handle your finances with more ease, create (and stick to) a personal budget, or find ways to invest your personal capital, check out these incredible apps.
The Best Financial Apps for 2019
An out-of-control budget is stressful and leads to anxiety in all areas of your life. These financial apps will take the stress out of money management, give you control over your budget again, and help you save for the future.
1. Clarity Money for Subscription Management
Amazon, Netflix, Spotify, your grocery box, a gym membership… there are so many subscription models available for a wide range of services these days that it’s easy to lose track.
Clarity Money tracks all of your subscriptions so that you can easily access, amend, or cancel every one. You’ll be able to see any lost or forgotten subscriptions to help you regain control over your money each month.
2. Spendee for Group Budgeting
When you live in a house share it’s easy to get muddled up over who pays what for which bills. Simplify your spending with the Spendee app, a budgeting app designed to make group financial management easy with shared wallets.
Communicating with your friends over money can be awkward, but this app will take the pain away from those difficult conversations. You can track your own spending as well as set up shared wallets for your housemates, friends, and family to keep on top of all group expenditure every month.
3. EveryDollar for Personal Budgeting
The principle behind the EveryDollar app is simple: every dollar you have is assigned to a particular category of spending each month.
The app links to your bank account and tracks what you’re spending in each category. You can see in real-time how much money you have left to spend every month in any category, which will help you to learn new budgeting habits.
4. PayStub Generator for Accurate Pay Stub Calculations
It’s impossible to create an accurate budget if your pay stubs are late, inaccurate, or simply never materialize.
You also won’t be able to apply for essential finance, such as bank loans, without genuine pay stubs to prove your income.
PayStub Generator makes sure that you avoid fake pay stubs from dodgy contractors. Enter your own information, giving you full control and total accuracy, and instantly generate your own pay stub each month.
5. Acorns for Simple Saving and Investing
Set-and-forget app Acorns is perfect for those who struggle to save. Even if you think you have no spare change at the end of the month, Acorns will help you to save.
You can set your account to automatically round up the total figure of your spending and place it into a savings account. For example, if you bought something that cost $5.45, Acorns would round this up to $6 and put the spare $0.55 into your savings.
Your savings are then invested how you want: automatically, with some control, or full control. This is a great way to learn more about the stock market for future investment, too.
More Ways to Save Money in 2019
The best financial apps for 2019 help you to budget, view your financial health in real-time, and guide you to a savings strategy.
However, you can’t save money if you have no excess each month. No amount of budgeting will help if there simply aren’t the dollars coming in to match your monthly outgoings.
There are things you can do to cut back, such as cutting out takeouts for a month or two, which will save some cash.
But if you really want to see a difference in your 2019 budget it’s time to check out these hot hacks for saving — and making — money.