5 BEST Budgeting Apps in 2023 {out of 30}
ฝัง
- เผยแพร่เมื่อ 11 ก.ค. 2024
- I have tried 30 different budgeting apps over the past year. In this video I'm sharing the 5 best budgeting apps for 2023.
** Personal Capital is changing it's name to Empower. There are no other changes other than the name. **
My Budget Template: etsy.me/3ITBdea
Try Mint: mint.intuit.com/
Mint vs Personal Capital: • Personal Capital vs MI...
Try Everydollar: www.ramseysolutions.com/ramse...
Personal Capital {$20 bonus}: personalcapital.sjv.io/bflammer
Personal Capital Tutorial: • Personal Capital Tutorial
Try YNAB: www.youneedabudget.com/
QubeMoney:
Qube Tutorial: • How to Use Qube Money ...
Overview of other budgeting apps:
SoFi Relay - great for banking, but no real budgeting feature
Rocket Money - helps you manage and cancel subscriptions
Pocket Smith - no budget feature, but good for net worth/transactions/finance apps
Peak - great for setting savings goals, but no budgeting availabe
Fudget - might work well for weekly budgeting
Monefy - very simple; you enter everything manually
Wally - works worldwide; free version gives you a basic budget but you must upgrade to customize
Free Budget Consultation: calendly.com/brittanyflammer/...
0:00 Start
0:45 EveryDollar
3:11 Mint
4:56 Personal Capital
7:02 What I use for budgeting
7:50 YNAB
10:00 Qube Money
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📢 FINANCIAL DISCLAIMER:
I am not a financial advisor and the content of this video does not serve as financial advice. Please consult a financial professional before making personal decisions regarding your finances.
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Sorry the audio was so low!
Its all good mam..🙂
Is the spreadsheet going to b available again in Etsy ? It says sold out?
Sorry about that. I just re-posted it. Thanks for letting me know!! Here it is: etsy.me/3ITBdea
Turning 19 this month, and I want to start taking more initiative over my life. I earn hourly, get paid weekly, and my paychecks are always different depending on how my manager makes the weekly schedule (and when I do overtime). Learning how to budget is probably one of the first few steps I want to take as I start my life, basically, and things have been super stressful lately, so thank you for the videos
You are so welcome. You’re way ahead of most. Taking initiative at 19 is a great way to start!! If you have any questions or need help starting fee free to schedule a free consultation with me: calendly.com/brittanyflammer/consultation
You got this!! Remember to not get discourage when your experience doesn’t align with your wants, you don’t have to be a perfect budgeting adult, everybody has to start somewhere! Wishing you lots of financial freedom 😊
Thanks for this concise yet informative video.
I tried to keep it short while still covering the basics. Thanks for watching!!
Very informative! Liked and subscribed👍
I'm glad it was helpful. If you end up choosing one of those apps let me know what you think of it.
Great review Brittany! Thank you for the awesome summary!!
Do any of the platforms you've reviewed allow you to download statements? For example, if I have connected my Chase Visa card, I'd like to be able to download my monthly Chase Visa statements (not just pulling in the transactions). Do you know of any platforms that allow you to download statements?
Mint, EveryDollar, Empower (formerly Personal Capital), and YNAB all let you download/export your transactions.
Thank you for so informative video
You're welcome. I hope it was helpful!!
Yes, would LOVE A DETAILED Tutoral of Everydollar.
Here's a tutorial on EveryDollar: th-cam.com/video/RQfEHilhNbI/w-d-xo.htmlsi=_22G0yEoKNzjItSb. It includes info on the free and premium version. I'm in the process of filming a video on just the free version.
Have you done a video on the pros and cons of having multiple credit cards with different banks?
That's a great question. I don't have a video comparing the credit cards at different banks. We do use credit cards, but rather sparingly, and we pretty. much have a card we've used for years we're happy with. If you're wanting a credit card with travel rewards, Chase Sapphire Preferred is my recommendation. If you're looking for cash back, Wells Fargo Active Cash is a great option. If you want one at an online bank, SoFi online bank with their credit card would be my first choice. Here's a video tutorial on SoFi: th-cam.com/video/CuU4lLesNPs/w-d-xo.html (I mention the credit card at the last time stamp 11:08 minutes into the video). I'm sorry I don't have more info, but i hope that's helpful.
Thanks for this video! I'm a very visual learner and dyslexic. Is there one that is more visual, with colors and symbols and not too many parts that look like a plain Excel sheet?
That’s a great question. If I had to choose, I would say EveryDollar is the most visual app. It is the simplest, and there are different colors for income and expenses. There are also some different charts. If you try it out, let me know how you like it.
Qube you can make it accept any transactions under a certain amount at all times. This allows you to select which qube it comes from later. So essentially it will solve the issues with the card not working or Amazon orders. It will then just work as a regular debit and you then assign the transaction after the fact
Thanks for sharing- I wasn’t aware of it when I filmed the video in February.
thank you!!
You’re welcome! I hope it was helpful!
Can you use Mint and/or Personal Captial manually? I am just not ready to let these types of apps connect to my accounts directly. Thanks for the insight!
Great question - and totally understandable. Mint does let you manually enter transactions - you can add the date, amount, store, and categorize it. Personal Capital (now called Empower) doesn't let you do it manually.
Thanks
You're welcome!! I hope it's helpful!!
Brittany, how safe are the apps that can access your bank accounts? First time watcher of your channel and am looking to get a good grasp on my finances.
Scratch that. I see you answered someone’s similar question below already
:D Glad you found the answer!!
Thanks for watching! I'm glad you found the answer. There's no time like today to focus on your finances. Let me know if you end up choosing an app.
Curious if any of these budgeting apps also have a feature for monthly bank account reconciliations and reporting??? I have been seeking a financial app that is an all around app, not just focused on budgeting, just for personal use.
I don't know of any that have reconciliations. I think Empower (Personal Capital's new name) is the closest to that. It compares this month's spending to last months spending. If you allow notifications they will update you regularly comparing this month's spending to the previous month. I'm sorry I'm not more helpful...and that it took me so long to respond!
@@BrittanyFlammer Thank you!!!!
@@cherylalmstrom7301 of course...sorry I wasn't more helpful.
Great video
Thanks! I hope it’s helpful!!
@@BrittanyFlammer Welcome ma'am,
I see some errors in your channel content. I can talk about them if want.
I’d love to hear them!
Hi, which budgetting site or app is best for fortnightly income, with weekly fortnightly monthly and yearly bills?
That's a great question. Most budgeting apps focus on monthly budgeting. YNAB is a little different, because you focus on the money you've already been paid, not projecting how much you are going to make. But, it's complicated to get started.
If you don't want a steep learning curve, I'd suggest trying EveryDollar. It is monthly, not fortnightly. But, you can set the bill due dates. If you're okay manually entering transactions it's completely free. If you upgrade to the premium version ($80/year) they will import your transactions and they have a paycheck planning feature. This shows you how much you will have throughout the month. You can set the dates you will get paid...for example the 1st and 15th. It will track how much money you should have in your account throughout the month based on bill due dates and paycheck dates.
I hope that makes sense. Here's a tutorial on EveryDollar: th-cam.com/video/RQfEHilhNbI/w-d-xo.html
In the video I show the paycheck calculator around the 6:42 mark. I don't do an in depth tutorial of it, but if you're interested I can explain it on video.
We purchase around $6K in Amazon each year. All on one credit card. What is the best way to categorize these transactions? Some purchases are for pets, clothing, household, etc. Any way to "import" what I can download from Amazon?
That is a very good question…how are you buying stuff on Amazon?
If you are using an Amazon credit card or another credit card, you should be able to link that credit card to any of these apps.
If you want to download your Amazon transactions, you can manually import that into tiller. I’m not sure of another app that will let you import a spreadsheet of the top of my head.
With any of the apps (except tiller) you’d have to categorize the Amazon transactions manually since they are coming from so many different categories.
Another option would be to have an Amazon category in your monthly budget…just a thought.
Let me know if this doesn’t make sense.
And Mint.......is GONE!
I know…so sad!!
Where?
No like literally they cancelled Mint. They also deleted Bill Minder app which was my personal favorite and people were telling everyone to go to Mint (which I didn’t) and now Mint is gone. Ugh
@@IGCDixie I did test 3 others. Monarch money app has been the next best for me. Hard though. I was on mint for 12+ years.
Good thing you can import the transactions.
I looked at Mint for PC but apparently it is an ON-LINE only app and nothing to download. I also believe it forces you to load up your bank accounts without the ability to bypass that if you do not want to.
Mint is an online app, so there isn’t anything to download. You can use it without linking your bank accounts and manually enter in transactions, but if you’re going to do that I would choose everydollar over mint.
Interesting, but most of these are useless for me. Empower (used to be personal capital) and Mint are only available in the US it seems and I am from the UK.
That’s frustrating most aren’t available in the UK. I suppose you could use a vpn.
There are some UK apps I’ve heard good things about (money hub and Koody). I’ve never tried them personally, but I’ve heard good things about them.
Or you can old school like me and stick with a spreadsheet!
Could you make an update for an alternative now that Mint is gone
Yes- hers an updated one :th-cam.com/video/-3iL8siIf-8/w-d-xo.htmlsi=4fi2tOzcmyL6JXJX
I’ve also recently reviewed the monarch money app here: th-cam.com/video/Rsezyoy6bsQ/w-d-xo.htmlsi=Qw2AjWXmWAazlUJH
is sinking your bank to a 3rd party app safe?
Good question. Anytime you link anything online there’s a risk. That being said, these 3rd parties usually use plaid (or the equivalent) with high end encryption. Basically, it’s as safe as logging into your bank online.
Adding 2 factor authentication and unique passwords is always recommended.
Does every dollar work in canada?
You can use the free version on the web in Canada…but can’t link accounts
Is there an app that my wife and I can share ie 1 budget
Yes. First of all, here's an updated video on budgeting apps for 2024: th-cam.com/video/-3iL8siIf-8/w-d-xo.htmlsi=iUsp15_FAVw8LQjV
There are several apps you guys can use to share a budget. E
Everydollar - you share a login and access the same budget.
YNAB - you can have one manager and invite up to 5 others to share on the budget
Honeydue - is meant for couples, but is more reflecting on your spending rather than planning/budgeting.
Monarch Money - you can invite your partner for a joint view of your finances
Simplifi (by Quicken) - you can also invite your partner (or other accountant/financial planner)
Is there any apps without a monthly fee ugh!
Mint is completely free.
EveryDollar has a free version. It doesn’t import your transactions, but part of me thinks doing it manually is better.
i am looking for an app that is also has a web based
Several of these apps are available on the web as well as an app on your phone. Mint, Empower (formerly Personal Capital), YNAB, and EveryDollar are all available on the web in addition to the app.
It seems like it'd be easier to use a spreadsheet than every dollar.
I personally like a spreadsheet…. but everyone has different preferences.
but which is the BEST? I only want to use ONE app!
Good question. It just depends on what you’re looking for.
Everydollar- if you want the simplest, easiest to start.
Mint- if you want free and your bank accounts linked.
YNAB- if you’re more analytical and very hands on
Personal capital/empower if you just want to see your finances and aren’t too interested in budgeting.
05:00 Personal capital is now Empower
Yep- it changed right after I filmed this and I can’t edit the videos after uploading them. I made a note in the description box. Everything is the same, only the name has changed
How about copilot?
Copilot is a great option. It's only available in mac/ios so I didn't include it.
Here's a more recent video on my budgeting app suggestions: th-cam.com/video/-3iL8siIf-8/w-d-xo.htmlsi=bws9J3-Vwn__hKV_
I find budget apps to confusing for Me . Having adhd.
They can be confusing. Everydollar is probably the easiest, especially if you manually enter all your transactions.
Can you please increase the audio, it's almost impossible to hear and I gave up after a few minutes
I can't. I wish I could. My microphone was broken and I didn't realize it until afterwards. Since the video is already uploaded I cannot edit it. I'm sorry. If you have a specific question I'd be happy to answer it as best I can.
I also have videos in depth on EveryDollar, Personal Capital, and Qube Money if any of those are the ones you're interested in.
Imo every dollar not supporting amex makes it useless. Their FAQ says they made a business decision to no longer work with them. 🤷🏼♂️
Good point. My credit cards link to Everydollar, but I've had several people complain about them not accepting American Express. If that's your main way to pay for things then it definitely wouldn't be worth it! Thanks for sharing!!
Welp, looks like Mint will no longer be an option. Going to switch to another app
I know..crazy. I just filmed a video sharing what I would recommend, but I'm curious to know what you will do.
how was mint one of the best apps and they are getting rid of it? if they made it paid, i would have paid no doubt.
I know!
time to remake this video as mint is shutting down
Yep - I'll have a new one coming out in January for 2024....I'm currently testing out a few new ones right now.
Everydollar is a Dave Ramsey Product, ah hell nah, pass
Haha!!! That makes me laugh! I know a lot of people feel very strongly about Dave Ramsey, but I do like his budgeting app. 😃
Mint maybe gone, I think, let me know.
Yes - it's shutting down. This video was from 2023. Here's an updated one for 2024: th-cam.com/video/-3iL8siIf-8/w-d-xo.htmlsi=PvDR40r0iohBFKlM
too bad mint is going away
I know - it's so sad. Here's an updated video of apps for 2024: th-cam.com/video/-3iL8siIf-8/w-d-xo.htmlsi=hH4CstVvTQoSY0g2
Unfortunately, Mint is going the way of the Dodo.
I know - major bummer. Here's a more recent video with other options: th-cam.com/video/-3iL8siIf-8/w-d-xo.htmlsi=320kg-kF7M5SGHR4
Mint is bankrupt :(
I’m sad they’re shutting down!
I’m sad they’re shutting down!
Those are horribe apps for adhd folks
Hmm…I’m sorry. I’ve never looked for an app specifically for anyone with adhd, so I’m not sure which would be best. If you find one you like is live to know.
I would love a tutorial on EveryDollar. I keep funds in multiple accounts and transfer a lot from sinking funds and I’ve tried doing EveryDollar but I get confused.
Yes - it can get confusing. Here's a tutorial on Everydollar: th-cam.com/video/RQfEHilhNbI/w-d-xo.html.
I'll be sharing some tutorials on Funds and the Paycheck Planning in the next few weeks as well.
I find budget apps to confusing for Me . Having adhd.
I'm sorry. Pen and paper work too. I actually use a spreadsheet. You've gotta use whatever is best for you!