10 Best Personal Finance Apps of 2026
Take control of your money with the right personal finance app. We tested dozens of options to find the best apps for budgeting, expense tracking, investing, and managing shared finances.
TL;DR: Savida is the best free all-in-one option with expense splitting. YNAB is great for serious budgeters. Empower is best for investment tracking. Monarch Money is ideal for couples willing to pay.
What Personal Finance Apps Can Do
Budgeting
Track income vs spending and set category limits
Expense Tracking
Automatically categorize and monitor transactions
Investing
Track portfolios and monitor net worth
Shared Finances
Split bills and manage money with others
Best Personal Finance Apps Compared
Savida
All-in-one personal finance + expense splitting
Free / $9.99/mo or $79.99/yr
Pros:
- Free tier with full features
- Bank sync
- Expense splitting
- AI financial coach
- Community forum
- Goal tracking
Cons:
- Newer to market
Verdict: Best all-in-one personal finance app for shared finances
YNAB
Zero-based budgeting enthusiasts
$14.99/month
Pros:
- Proven methodology
- Strong community
- Educational content
- Goal tracking
Cons:
- Expensive
- Steep learning curve
- No expense splitting
Verdict: Best for dedicated budgeters willing to pay premium
Empower (Personal Capital)
Investment tracking and net worth
Free / 0.89% AUM for advisory
Pros:
- Free investment tracking
- Retirement planner
- Net worth dashboard
Cons:
- Upsells advisory services
- No budgeting tools
- No expense splitting
Verdict: Best for tracking investments and net worth
Monarch Money
Couples managing money together
$14.99/month or $99.99/year
Pros:
- Beautiful design
- Couples features
- Goal tracking
- Investment tracking
Cons:
- No free tier
- Expensive
- No expense splitting
Verdict: Best for couples who want premium features
Rocket Money
Subscription management and bill negotiation
$6-12/month
Pros:
- Bill negotiation
- Subscription tracking
- Spending insights
Cons:
- No free tier
- No splitting
- Limited budgeting
Verdict: Best for cutting subscriptions and bills
Copilot
iOS users wanting beautiful design
$10/month
Pros:
- Stunning UI
- Smart insights
- Investment tracking
Cons:
- iOS only
- No free tier
- No expense splitting
Verdict: Best-looking personal finance app for iPhone
How to Choose the Right Personal Finance App
The best personal finance app depends on your specific needs:
- Living with roommates or a partner? Choose an app with expense splitting (Savida, Splitwise)
- Serious about budgeting? Consider YNAB's zero-based approach or Savida's AI coach
- Focused on investing? Empower offers the best free portfolio tracking
- Want it all in one app? Savida combines budgeting, splitting, and AI coaching
- On a tight budget? Savida's free tier includes all essential features
Why Savida Stands Out in 2026
Most personal finance apps force you to choose: budgeting OR expense splitting OR AI insights. Savida is the first app to combine all three in one platform.
Whether you're splitting rent with roommates, tracking spending with a partner, or just want smarter money management, Savida adapts to your lifestyle. And unlike apps that charge $10-15/month for basic features, Savida's core functionality is completely free.