Managing your personal finances can be a daunting task, but thankfully, there are now numerous apps available that can help you stay on top of your money. These apps can assist you in tracking your spending, creating budgets, and even investing your money wisely. With that in mind, here are the top five personal finance apps that you need to download and start using today.

First on our list is Mint, a long-time favorite among finance enthusiasts. Mint is a budgeting app that allows you to create customized budgets and track your spending. It syncs with your bank accounts, credit cards, and loans, providing a comprehensive view of your finances. You can set budget limits for different categories, such as groceries or entertainment, and receive alerts when you’re close to reaching them. Mint also offers free credit score monitoring and provides personalized tips to help lower your bills and save money. The app uses bank-level security measures to protect your data, ensuring your financial information remains secure.

Another excellent app for budgeting is YNAB, short for You Need a Budget. This app encourages mindful spending and saving by allocating your income to different budget categories. A unique feature of YNAB is that it follows four simple rules: give every dollar a job, embrace your true expenses, roll with the punches, and age your money. By following these rules, YNAB helps you break the paycheck-to-paycheck cycle and gain control over your finances. The app also offers goal tracking and reporting features, allowing you to set and achieve your financial targets.

When it comes to investing your money, Webull is a fantastic app to consider. It offers commission-free trading in stocks, options, and ETFs, making it easy and affordable to start investing. Webull provides a wide range of tools and resources to analyze stocks, including real-time market data, advanced charts, and custom watchlists. The app also features paper trading, enabling you to practice investing strategies without risking real money.

If you’re new to investing, Acorns is a great option. This app uses a micro-investing strategy, allowing you to invest your spare change. When you make a purchase with a linked credit or debit card, Acorns will round up the transaction to the nearest dollar and invest the difference into a diversified portfolio of stocks and bonds. Over time, those small contributions can add up to significant savings. Acorns also offers a range of other features, including retirement accounts and found money, where you can earn investment contributions from select brand partners.

Finally, let’s talk about simplifying your bill payments with an app called Prism. This app tracks and manages all your bills in one place, ensuring you never miss a payment again. Prism syncs with thousands of service providers and lets you pay your bills directly through the app. You can set up scheduled or recurring payments and receive due date reminders to avoid late fees. The app also provides detailed reports and analysis of your bill payment history, helping you identify areas where you can cut back on expenses.