Best Personal Finance (2025)
Keeping track of your finances can feel like a Herculean task in today's fast-paced world. But thankfully, a wealth of innovative personal finance and budgeting apps are here to rescue you from spreadsheet struggles and mental maths marathons.
Whether you're a seasoned budgeter or just starting your financial journey, these apps can empower you to take control of your money, reach your financial goals, and achieve peace of mind. Here's our roundup of the best personal finance and budgeting apps for 2025, tailored for a UK audience:
1. Lyfeguard: The Holistic Hub for Life and Finances
Lyfeguard goes beyond traditional budgeting apps, offering a comprehensive platform to manage your entire financial life. Connect your bank accounts, credit cards, and investments to gain a complete overview of your net worth. Track spending, set budgets, and receive personalised insights to make informed financial decisions. But Lyfeguard's true strength lies in its unique features:
- Secure Digital Vault: Store vital documents like wills, insurance policies, and property deeds alongside your financial data.
- Granular Sharing: Share specific financial information or documents with family members or advisors, giving you control and peace of mind.
- Life Admin Reminders: Never miss a payment or renewal with timely reminders for important dates.
Why choose Lyfeguard? If you're looking for an all-in-one solution that combines robust financial management with secure document storage and life admin tools, Lyfeguard is a standout choice.
2. Moneyhub: The Open Banking Pioneer
Moneyhub is a powerful budgeting app that harnesses the power of Open Banking to provide a comprehensive view of your finances. Connect all your accounts, track spending across categories, set budgets, and receive personalised insights to improve your financial habits.
Why choose Moneyhub? For a comprehensive budgeting experience with advanced features like pension tracking and subscription management, Moneyhub is a strong contender.
3. Emma: The Friendly Financial Assistant
Emma is a popular budgeting app known for its user-friendly interface and helpful insights. Track your spending, identify areas to save, and receive personalised tips to improve your financial well-being. Emma also offers features like subscription management and bill negotiation to help you optimise your finances.
Why choose Emma? If you're looking for a friendly and approachable budgeting app with helpful guidance, Emma is a great option.
4. Yolt: The Budgeting and Beyond App
Yolt offers a comprehensive suite of financial tools, including budgeting, spending analysis, and account aggregation. Track your spending across accounts, set budgets, and receive personalised insights to improve your financial habits. Yolt also offers features like credit score monitoring and energy switching to help you save money.
Why choose Yolt? If you want a versatile app that combines budgeting with a range of additional financial tools, Yolt is worth exploring.
5. Monzo: The Budgeting Bank
Monzo is a popular digital bank that offers excellent budgeting features built directly into its app. Track spending, set budgets, create "pots" for saving goals, and receive instant notifications to stay on top of your finances.
Why choose Monzo? If you're looking for a seamless banking and budgeting experience in one app, Monzo is a great option.
6. Starling Bank: The Business-Savvy Bank
Starling Bank, another leading digital bank, offers robust budgeting features tailored for both personal and business use. Categorise transactions, set spending limits, and analyse your spending patterns with ease.
Why choose Starling Bank? If you're a freelancer, entrepreneur, or small business owner, Starling Bank provides excellent tools to manage your finances.
7. Chip: The Automated Savings Hero
Chip takes the hassle out of saving by automatically analysing your spending and setting aside small amounts of money regularly. Set savings goals, adjust your saving frequency, and watch your savings grow effortlessly.
Why choose Chip? If you struggle to save consistently, Chip's automated approach can help you build your savings without even thinking about it.
Finding Your Perfect Financial Companion
The best personal finance and budgeting app for you depends on your individual needs and preferences. Consider your financial goals, your preferred level of automation, and the features that matter most to you. With the right app by your side, you can take control of your finances, achieve your goals, and build a brighter financial future.