It'll definitely come in handy to know the best budgeting apps that are available to you today. Now more than ever, with the COVID-19 pandemic, it has become increasingly important to many of us to be adequately equipped with the right money tools.

Many Americans are currently in a personal financial crisis or are one emergency away from one. To keep your finances in check, it starts with understanding how your money cycles in and out, that is, through your incomes and expenses.

There's a plethora of money management apps and software constantly flooding the market. As a result, it can be difficult to immediately figure out which one works best for your financial situation and fits your lifestyle.

As a result, this comparison article was created with you in mind to provide you with a snapshot of the best budgeting and money management apps out there to help you make a well-informed decision. The best part of it all is that majority of them are free or have free versions.

Related: How to Build a Budget

The Best Budgeting Apps in 2020

• Mint
• Personal Capital
• You Need A Budget (YNAB)
• Charlie
• Zeta
• PocketGuard
• GoodBudget
• Clarity Money

Related: 5 Different Monthly Budgeting Techniques

App	Cost	Syncs With	At a Glance/ Dashboard	Distinct Features	Premium Features
Recommended For All-Inclusive Budgeters Android, iOS, Web	FREE	Checking Accounts Savings Accounts Credit Cards Investments Loans	Net Worth Account Balances Cash Flow Savings Goals Budget *Overview is customizable*	Categorize Budget Upcoming bills calendar and reminder Monthly spending overview Weekly summary report Savings goals and progress report High spending alert Overbudget alert Fee charge alert Credit score and credit monitoring	All features are free
Recommended For Investors Android, iOS, Web	FREE	Checking Accounts Savings Accounts Credit Cards Investments Loans	Net Worth Transactions Cash Flow Budgeting Portfolio	Categorized spending Reimbursible transaction tag Track spending habits Chart of budget amount left relative to days of month left Retirement Planner Financial Advisor	All features free except "Financial Advisor" at annual fee of 0.89 percent  of investment account 
YNAB You Need A Budget  Recommended For Thouroughly Detailed Budgeters Android, iOS, Web, Alexa	FREE PREMIUM   $11.99/month, $83.99/yr	Checking Accounts Savings Accounts Credit Cards Investments Loans	Main Budget Categories: Immediate Obligations  True Expenses Debt Payment Quality of Life Goals	Zero-based budgeting - Intensive Details Linked and Unlinked Accounts Multiple budgets Enter transactions on the go Split Categories Custom categorization allowed Overspending notifications Education and Guides	All features are premium. 30 days free trial
Recommended For Beginners  Android, iOS	FREE PREMIUM - $4.99/month	Checking Accounts Savings Accounts Credit Cards Investments Loans	Account Balances Budget Transactions Monthly Spending Trend	Simple Budget Categorized Budget Savings Goals Categorized Spending for tracking Cash to Splash - money left to spend after budgeting for other expenses Financial education and questions answered with Charlie AI assistant	Personalized Debt Advice Debt Plan 7-days free trial
ZETA Recommended For Couples Android, iOS, Web	FREE	Checking Accounts Savings Accounts Credit Cards Investments Loans	Cash Flow Upcoming Bills Budgets Transactions Account Balances Net Worth	Budgeting for couples Linked and Unlinked Accounts Personal and Shared finances Multiple and Categorized Incomes Split expense with partner Custom categorization allowed Alerts and Notifications	All features are free
POCKETGUARD Recommended for Simple Budgeters Android, iOS, Web	FREE PREMIUM   $7.99/month, $79.99/yr	Checking Accounts Savings Accounts Credit Cards Investments Loans	In My Pocket Upcoming Bills Spending and Budgets Goals Net Income Net Worth	"In my pocket" -  calculates money left after bills, budget and goals Negotiate lower bills on*your behalf Cancel Unwanted Subscription Categorized Budget Multiple incomes entry	Custom categories   unlimited budgets  unlimited goals Split transaction Track cash spending Export transactions Auto Save 7-days free trial
GOODBUDGET Recommended for Manual Budgeters Android, iOS, Web	FREE PREMIUM   $6.99/month, $59.99/yr	None. Manual Entry Only	Monthly Envelopes Annual/Irregular Envelopes Transactions	Envelope-Based Budgeting Income vs. Spending Report Multiple incomes entry Debt Progress Report The Goodbudget Way Education  Sync across devices	Unlimited Envelopes vs. 1 Unlimited Accounts vs. 1 7 year transaction history  5 devices synced automatically vs. 2
Clarity Money Recommended for Beginners Android, iOS, Web	FREE	Checking Accounts Savings Accounts Credit Cards Investments Loans	Account Balances Transactions Snapshot of Income, anount spent and amount left Spending summary	Cancel Unwanted Subscription Monitor Spending Patterns "What did i spend on xyz this period" Automatically estimates fixed expenses  Creates estimated  weekly spending budget excluding fixed expenses	All features are free

What budgeting apps have worked well for you, or which one on the list are you considering? Feel free to let me know in the comments. I'd love to hear from you!