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The best money saving apps to help you get your finances on track

Money-saving apps are a great way to manage your budget. We discuss the TOP 6 applications that can help you save for specific goals.

Technology plays a key role in almost every area of life today. The same applies to financial management and saving money. More and more people use various types of applications that help track expenses, plan a budget and save for various purposes. In the article below, we will look at selected money-saving applications, their functions and the benefits they can bring. Find out how modern technologies can help you achieve your savings goals and better manage your finances. We invite you to read!

Is it worth saving money?

Saving money is one of those topics that causes a lot of excitement and interest. Of course, this is justified, because we all know that it is much easier to spend money than to save it. Moreover, each of us is different, so it is normal that saving is easier for some people and more difficult for others.

Now let’s discuss the reasons why you should save money. The most important of them include:

  • financial independence – thanks to this we gradually achieve financial independence. We can take control of our own finances and do not need the support of other people,
  • financial security – saving is the basis for financial stability. We create a reserve of funds that can be used in difficult situations, e.g. job loss or sudden expense,
  • sense of security – part of the savings can be turned into an emergency fund, which is a guarantee of peace of mind,
  • achieving life goals – saving allows you to gradually collect funds to achieve large goals, e.g. buying a house or planning retirement,
  • the ability to invest funds – saving gives you the opportunity to invest the accumulated money. This, in turn, can bring us additional profits,
  • fulfilling dreams – thanks to systematic saving, you can collect funds to make your dreams come true. Thanks to this, you can, for example, travel. This may also apply to education or personal development.
bank note, one dollar

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Money saving apps

You may wonder why we decided to review apps that make saving easier. Of course, you can use traditional methods, e.g. a notebook or Excel sheets. However, we took into account the benefits of using the application. The point is that such tools have many of them and often beat traditional methods.

They make it easier to monitor your expenses, plan your budget and track your savings progress. Applications are simply convenient tools that allow you to keep track of your finances. Moreover, it must be admitted that we always have a smartphone with us, so we can have access to them anywhere and anytime. Both when shopping and planning expenses at home or on the way to work.

Let’s not forget that these types of applications often offer interesting functions that cannot be reproduced on paper. This includes automatic categorization of transactions and notifications about budget overruns. All this makes financial management much simpler and more effective. And that’s the point – the tools are supposed to help us organize our budget, not hinder it.

money saving apps, woman sitting on a park bench with a smartphone in her hands


Monefy is the first of the proposed applications that facilitate the management of personal finances. It is available for Android and iOS devices. Monefa works by tracking your expenses and making the process of saving money easier.

Its intuitive interface makes it very easy to use. Moreover, everything is clearly presented. Each chart is designed in a way that makes reading the data from it as easy as possible. To add a new expense, simply click the plus icon, enter the amount and select a category. As you can see, the process is really simple and enjoyable. It is worth mentioning that you can also add your own categories if the system ones do not fit your requirements.

Wallet: Budget Expense Tracker

Wallet: Budget Expense Tracker is an application available for iOS and Android devices. You can also use the web application that runs in your browser without having to download it to your device.

It is used to manage personal finances. It will help you control your expenses, plan your budget and achieve your financial goals. By using this application, you will regularly receive detailed reports with charts and financial statements. Thanks to this, you can check the situation on an ongoing basis so that nothing surprises you. You can also share selected accounts with your family or partner if you run a joint budget. This is a great way to manage a family budget.

Finance – expenses and budget

Finance – expenses and budget is another application that helps you manage your finances more efficiently. It allows you to monitor your income and expenses and plan your budget. It will work well for people who want to control their budget in a simple way. Its operation is quite simple and does not take much time.

You can find out your financial situation easily and quickly. This is an app that makes saving and saving money much easier. A useful feature is the ability to filter operations by dates or amounts. Here you can also create your own expense categories and change the colors yourself. The application also offers the option of setting reminders, e.g. about loan repayment.

saving money, chart, coin, dollar

JamJars: Savings Tracker

JamJars is an application that helps you manage your personal finances. Unfortunately, it is only available for Android devices, but that is probably the only drawback. It allows users to control their spending and budget, and facilitates the saving process. You can easily track your money flow, plan specific savings or monitor expenses from various categories.

Additionally, the JamJars app allows you to set savings goals and then track your progress towards achieving them. It also offers a spending analysis feature so you can better understand your finances and make more informed decisions. You can also share the budget with someone else, e.g. your partner.

JamJars works intuitively, and its interface is different from the other applications in this list. As the name suggests, the application offers something like jars into which we “throw” our savings. The way it works is that each jar is intended for a different purpose. The jars are labeled, so you don’t have to worry about forgetting what you’re saving for or confusing your goals. Moreover, the whole thing is in pastel colors, so if you like them, it will definitely be an additional advantage.


Goodbudget is an application available for iOS and Android devices. Additionally, you can use the version available in your browser. It is a money manager that is perfect for planning your home budget and tracking individual expenses. With this app you will be up to date with all your bills and savings.

Within the app, you can share your budget with family members if you choose to share it. This can make not only the saving process much easier, but also compliance with established spending limits. The application has a friendly interface, and the charts are colorful and clear, so you don’t waste time understanding them.


The final personal finance management app will be Mint. It offers the ability to track cash flow and manage subscriptions. Thanks to it, you will be up to date with any changes, e.g. you will receive a notification when the amount of a specific subscription increases or a payment deadline is approaching. The situation is similar with notifications about the impending exceedance of a previously established budget. You can see that these are very useful functions that can make a big difference in your budget.

You can easily view your monthly expenses and set goals for the future. This tool can help you build good financial habits so you can really start saving. In addition, the application has a friendly interface, which mainly consists of mint color. This, of course, shouldn’t be a surprise – given its name.

Each of these applications can be a useful tool for people who have problems managing their finances and savings. They probably all look similar to you, especially if you only read their descriptions. It’s best to simply test each one until you find one that suits you 100%.

Also remember to check carefully what the rules are for using these applications. Although the app is free, some of its features may be paid. The point is not to be disappointed later.

a hand sticking out of a smartphone and throwing a coin into a piggy bank

Looking for more information on saving money? Would you like to start saving, but you don’t know how to approach it? Visit other posts on our blog. For starters, we recommend, among others:


As you can see, saving money doesn’t have to be complicated or frustrating. Budgeting and saving apps can make this whole process much easier. The big advantage is that you don’t need a lot of time during the day to use them.

Thanks to such tools, we can make conscious financial decisions. This way, we can also see our expenses and revenues better. We can therefore more easily determine what we spend our money on and then plan how to optimize our expenses.

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