Top 10 Best Personal Finance App Of 2021

Top 10 Best Personal Finance App Of 2021

Knowing your cash inflows is vital to maintaining your money successfully. The amount of money coming in, when it shows up in your bank account, and where it goes are all critical factors in financial success. But, when you’ve had to manually enter all of your spending and incomes into spreadsheets on a computer or use pen and paper, budgeting may be a time-consuming task. However, personal finance app development has skyrocketed in terms of popularity. Keeping records of your funds has become considerably easier thanks to finance app development.  

Fortunately, there are a plethora of finance management applications available to help you keep track of your finances, manage your spending, and evaluate your patterns. Additionally, there are finance applications that can assist you in making smarter financial decisions based on the information from your balances. 

As per Statista, the majority of people under the age of 30 in the UK use some type of application to assist their budget on a monthly basis. Indeed, utilizing a personal finance app is a wise decision, but with so many options available, making a decision can be difficult.  

Fortunately for you, as a leading personal finance app development company, we’ve compiled this list of the best finance apps in the UK to assist you to manage your money. So, without further ado, let’s get started! 

personal finance app

Before, going straight to the list of best personal finance apps, let’s briefly discuss, 

Personal finance app: what & why personal finance app development is important in 2021? 

Applications for personal finance allow us to keep track of our finances. An excellent personal finance app can help anyone who is serious about expanding their money. Long-term financial planning, which begins with the creation of a realistic budget, is one of the advantages of personal finance apps. Finance management apps will display your spending patterns by converting your financial data into colorful charts and graphs—a valuable functionality for users. 


Why must you consider personal finance app development? Top benefits and reasons! 

A finance management app comes with tons of benefits. Some of them are listed below. Take a look! 

  • Easy to manage your money effectively and efficiently. 
  • Offers in-depth analysis of your spending habits 
  • Users can set financial goals 
  • Easy to receive or send payments 24*7 
  • Easy to access your account statements anytime 

Let’s move forward and discuss the core section of this blog, which is! 

Top personal finance apps in 2021! 

If you’re thinking of developing a finance mobile app, have a look at our hand-picked list of the top personal finance applications in the UK. So, let’s begin! 

1. Money Dashboard 

As the names indicate, this mobile financial app consolidates all of your money into a single dashboard, offering you with a visual representation of your daily expenditure in the form of graphs and tables. It can be used to plan your expenditure and set savings objectives. Users can examine their spending habits over the course of six months by categorizing their money expenditure into different sorts of spends. Money Dashboard also offers a handy function that allows it to synchronize with your payment schedule. The preferred option is once every calendar year, but if you do get paid more often monthly, you can change it whenever you wish. Money Dashboard has also newly implemented new functionality that allows users to move money across accounts directly from the app. Aside from that, the application is compatible with both Android and iOS.  

2. Cleo 

Cleo is an AI-powered Messenger-based financial advisor that assists users in controlling their finances. Nearly every day, individuals rely on Cleo to help them with a budget, monitor their spending, and simplify their finances. The core of the partnership is their world-class security standards. It also includes a smart algorithm that calculates how much you could save based on your current expenditure. Cleo furthermore offers a monthly subscription service called Cleo+, which includes additional capabilities like salary advances, cashback on purchases, and an account that reaps 1.5 percent interest. Aside from that, it assists with individualized budget and spending breakdowns, budgeting recommendations, and bill assistance. The application is supported by major platforms like Android and iOS. 

3. Mint 

Probably one of the best personal finance apps is Mint. It allows you to build budgets and manage your bills with ease. Users can view their credit score and receive recommendations on how to manage it. If you want to keep a comprehensive budget, Mint is a wonderful solution. You can build as many budgeting groups as you like, and you can categorize transactions while you’re out and about. Mint seamlessly imports transactions from your banking accounts, allowing you to keep track of everything in one spot. Mint also analyses your spending and gives you details into your patterns to discover where and how you can save money. 

mobile financial app

4. BEAN 

Bean, like Money Dashboard, allows you to connect your retirement funds in a read-only manner. It then monitors your monthly spending, making sure you remember if you’re overpaying for things like utility bills and whether you could shop around for a slightly better deal. It will even alert users if they look to be wasting money or paying for things they don’t require. The application connects to your banking accounts, allowing you to keep track of all of your card payments and recurring payments. Aside from that, users may automate payments, update their side hustles, and receive proactive, positive help from the application. This finance app is available for both Android and iOS platforms. 

5. MoneyHub 

MoneyHub enables you to link all of your accounts and validate financial information before putting them into spending categories. It was first released in 2015. MoneyHub features a fantastic user experience that is both visually appealing and easy to use. Everything is organized in an understandable manner, and there is even a function that allows you to speak with a financial counselor immediately. Moneyhub characterizes your purchases, and Expenditure Analysis shows you where your money’s going monthly. You can set spending goals and measure your success to free up money to do what matters most to you. Furthermore, you will receive relevant and timely pushes that will provide you with advice on how to save or spend more wisely and assist you to stay on track to meet your objectives. The personal finance app is accessible for both Android and iOS platforms. 

6. Spendee  

Spendee is yet another personal finance application that connects with your bank accounts. It collects and categorizes transactions dynamically. It also allows you to share some of your spendings with others. You may define spending categories for almost every type of transaction you can imagine, and expenditures are highly configurable. You can indeed link your crypto wallet and E-Wallet to get a comprehensive picture of your cash inflows. When you’re traveling overseas, Spendee also has a travel mode that supports numerous currencies. Spendee comes in two paid versions, each of which costs a certain amount per year. The application is easily compatible with both iOS and Android devices.  

7. Wally 

Wally is a finance management application that is particularly popular among Millennials. It’s a budgeting app having some interesting features. If you have various income streams, Wally can assist you in keeping track of what comes in and what goes out, so you don’t overspend. It also works with almost all international currencies. Furthermore, Wally lets you save photos of invoices so that you can keep records of essential tax and business stuff without dealing with paperwork. Apart from that, this software allows you to sync and give everybody a unified view of all their joint credit cards, savings, and loan accounts in a secure manner. With important information on pooled expenditures, you can better understand and enhance your group’s finances. The finance app is available for both Android and iOS platforms. 

personal finance applications

8. Emma 

Emma is yet another Personal finance application that comes for both iOS and Android smartphones. It’s a straightforward application for tracking finances that promotes itself as your “best financial companion” and contains planning, spending monitoring, and personal income tracking features. The application is built with sophisticated technology that calculates a suggested savings goal for you, depending on your actual monthly income. The application also features budgeting functionality but only checks at your transactions from the previous three months to come up with a plan. But, Emma, on the other hand, is devoid of any sort of credit score feature. 

9. Yolt 

Yolt has indeed been able to fully utilize open banking, allowing you to view all of your accounting data safely and soundly. Apart from your Yolt Account, you may link your banking accounts and cards to Yolt and see everything in one place. Yolt will also calculate your actual spending throughout categories using all of that information. This functionality allows you to adjust your expenditure in order to meet any specific financial objectives you may have. The Yolt personal finance app is available for both iOS and Android. 

10. Snoop

Snoop is a mobile application that helps individuals save money on payments and memberships. Snoop mixes a powerful artificial intelligence techniques with intelligence to monitor financial statements to make recommendations to consumers on how to save money on bills and subscriptions. Snoop consolidates all of your expenditures and provides it in a single, consolidated interface that brings together with all your transactions. Snoop has also introduced certain capabilities related to recurring payments. The ‘Payment Hub’ is one of its most significant characteristics. The application displays a list of all your everyday expenses and notifies you if there are any significant changes so you can check.

finance app


This concludes our list of the best personal finance applications. As previously stated, these applications are adaptable, allowing you to manage your finances at your speed based on your objectives. You may obtain a better understanding of your financial patterns and build a healthy budget by using budgetary software. The finest finance management apps assist you in visualizing your spending habits so that you may establish a new budget that increases your savings and overall financial security.   

Lastly, one thing is clear that the demand for personal finance apps will increase in the future. If you have any idea related to personal finance app development or want to disrupt the fintech industry, now is the right time to bring your ideas to life. If you need any help or have some questions regarding finance management app development, contact us. We would love to assist you!