Budgeting apps can make it easier to track spending, build savings, and understand your financial habits. Many apps connect directly to your bank using secure Open Banking technology, allowing you to see everything in one place.

How budgeting apps Work

Most budgeting apps offer tools such as:
Automatic spending categorisation
Monthly and weekly budgets
Goal tracking for savings
Bill reminders and notifications
Spending analysis across all your accounts
Some apps are completely free, while others offer premium features for a monthly fee.

Here are our personal tried and tested budgeting apps:

Emma

Emma connects to your bank accounts automatically.
It categorises spending & tracks subscriptions.
It shows upcoming bills and alerts you if you’re spending more than usual.
You get quite a lot of features in the free version with an option of a paid upgrade that adds custom categories & advanced analytics

Plum

Plum is an AI-powered app that analyses spending and automatically moves small amounts to savings.
It offers budgeting tools, investment options, and bill switching.
Ideal for people who struggle to remember to save.

Cleo

Cleo is a fun AI chatbot that talks to you like a friend.
Can roast your spending (if you like!) or encourage you to save.
Good for people who like a playful approach.

Money Dashboard

Money Dashboard app is a clear dashboard that shows your total balance across multiple accounts.
Helps track spending by category.
Good for seeing your real disposable income all in one place.

Your bank’s own app

Many UK banks have their own built-in budgeting and spending insights and is often the simplest way if you already bank with them.

disclaimer

This content is for general information only. Budgeting apps vary in features, security, and pricing, so always review the provider’s website or app store listing before signing up. We may receive a referral fee when readers sign up through our links, at no extra cost to you.