Four great money management apps that help you budget and manage your money


The advent of open banking has led to a proliferation of handy money management apps to help young people in particular budget, track their spending and take control of their financial affairs.


In terms of Muckle’s mantra – ‘mony a mickle maks a muckle’ – saving money and savings are every bit as important as investing when it comes to achieving improved financial outcomes.

Managing your budget may not match the instant gratification of a life of high-octane ‘experiences’, but it may help you avoid the hollow feeling of not being able to pay your bills, or the stream of texts arriving with a seemingly ever louder ping to tell you you’ve exceeded your agreed limit.

The new crop of money management apps are here to help if you are prone to overspending and want to avoid running out of money before the month end; they can also be used to budget for any number of life goals.

The following is just a taster of the growing number of budgeting apps designed to help you keep track of your finances from your phone; they will be described in more detail elsewhere on the site, but more than anything we’d love to hear your views and experience in using these apps.

Shared experience and advocacy is more likely to ensure that you get the experience and functionality you want to manage your finances efficiently and simply; if you would like to submit a review – video or written – we’d love to hear from you via our contact form here.


Money Dashboard

Free, iOS & Android


Money Dashboard is a money management and budgeting tool that gives you a holistic view of your finances; hook up all your accounts, and you can see what’s coming in and going out of each of them in one place.

You can categorise spending and view your habits over six months with a really clear and intuitive interface of charts and graphs.

Dashboard gives you all the information you need to make informed financial decisions showing you how, when and where you’re spending your money.

Budgets apparently makes budgeting a ‘joy’ by doing the hard work and letting you focus on the important things in life.

Planner takes a look into your future and sets you up for success by seeing your predicted income, expenditure and balances laid out in front of you.

Money Dashboard is currently read-only, so you can’t move money around, but it’s one of the easiest and most attractive budgeting apps out there.




£3.99 a month, iOS & Android


Squirrel could be your new best friend if you’re struggling with saving; albeit one that occasionally disapproves of the way you live your life.

Squirrel splits your salary into weekly payments and holds back money each month for savings. It also manages your bills and gives you a weekly allowance, which, mercifully, you can set to your liking.

Your account is held through Barclays and could be a God-send for someone who struggles to stay out of their overdraft towards the end of the month.




Free or £1.60 a month, iOS & Android


Spendee has access to your accounts so it has a pretty good idea of what’s going on in your mind.

Spendee is a good-looking app particularly useful frequent travellers as it allows for different currencies; it’s also great for people with joint accounts as you can sign up with flatmates or partners.

It has all the features you would expect from a good budgeting app, such as the ability to categorise spending and set notifications.

Spendee gives you perfect control over all your cash expenses, bank accounts, E-Wallets and crypto wallets; it gives you a quick overview about your total incomes and expenses at a glance and in one place; you can use smart budgets to save money for a new car, dreamy vacation or top university.





Free, iOS & Android


Cleo is an AI pal that looks after your money allowing you to budget, save and track your spending; you can sign up on Messenger in under 2 minutes.

It is a chatbot assistant with read-only access to your accounts who’ll give you instant answers to questions about your spending and saving, as well as charts and graphs; she won’t give you the same hands-on control as a budgeting app but she won’t be beaten for convenience either and 1.5m users from around the world have fallen for her.



Do please share your experiences with us here

Money Dashboard – effortless budgeting and money management

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