The Best Free Tools and Apps for Managing Your Money in 2025
In today’s world, managing your finances has never been easier, thanks to a plethora of free tools and apps designed to help you budget, save, and track your money. Whether you’re looking to get out of debt, grow your savings, or simply keep better tabs on your spending, there’s an app for that. Here’s a list of the best free tools and apps in 2025 to make your financial life easier. Note that we don’t work directly with or get paid by talking any of these apps, we’ve either used them ourselves and had some success or know people that have liked them.
Budgeting Tools
- Mint Mint has long been a favorite for budgeting and tracking expenses, and it continues to shine in 2025. This app connects to your bank accounts, credit cards, and even investment accounts, giving you a complete picture of your finances in one place. Mint categorizes your transactions automatically, helps you set budgets, and sends alerts when you’re close to overspending. The best part? It’s entirely free.
- Goodbudget For those who prefer the envelope budgeting system, Goodbudget is an excellent option. The app lets you allocate money into virtual “envelopes” for different spending categories like groceries, rent, and entertainment. It’s simple to use and ideal for couples or families who want to manage finances together.
- Rocket Money Rocket Money, formerly known as Truebill, is a powerful app for managing your budget and subscriptions. It helps you track spending, cancel unused subscriptions, and even negotiate bills on your behalf. This app is perfect for people who want to optimize their monthly expenses and avoid unnecessary charges.
Saving Tools
- Qapital Qapital makes saving money fun by using rules-based automation. For example, you can set a rule to round up every purchase to the nearest dollar and save the difference. You can also create savings goals and track your progress. While premium features are available, the free version offers plenty to get started.
- Digit Digit uses AI to analyze your spending habits and automatically saves small amounts of money for you. It’s perfect for people who struggle to save because it works in the background without requiring constant attention. Though Digit now charges a subscription fee, its basic competitors like Qapital and others may have free tiers worth exploring.
Debt Management Tools
- Undebt.it Undebt.it is a free online tool that helps you create a customized plan to pay off debt. Whether you prefer the snowball or avalanche method, this platform lets you compare different strategies and track your progress.
- Tally Tally simplifies credit card debt management by offering tools to prioritize payments and reduce interest. While Tally offers a paid service for debt consolidation, its free tools are helpful for organizing and tackling debt independently.
Expense Tracking Tools
- PocketGuard PocketGuard connects to your bank accounts to show how much disposable income you have after accounting for bills, savings goals, and necessities. It’s great for people who want a simple way to know exactly what’s left “in their pocket” to spend.
- YNAB (You Need a Budget) YNAB is one of the most popular budgeting tools, but it’s worth noting that it’s primarily a paid app. However, YNAB does offer a 34-day free trial that’s perfect for anyone who wants to test out its unique approach to assigning every dollar a job.
Credit Monitoring Tools
- Credit Karma Credit Karma provides free credit score tracking and reports from two major credit bureaus, TransUnion and Equifax. It also offers insights into factors affecting your score and personalized recommendations to improve it.
The Bottom Line
Managing your money doesn’t have to be complicated or expensive. With these free tools and apps, you can take control of your finances and work toward your goals, whether it’s saving for a big purchase, paying off debt, or building long-term wealth.
The best part? Many of these tools do the heavy lifting for you, so you can focus less on worrying about your finances and more on enjoying the benefits of being in control. Try a few of these apps and see which ones work best for your lifestyle—your wallet will thank you!
This is not an endorsement. The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation.
This content not reviewed by FINRA.
