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Greatest Budgeting Apps for 2022

From penny-pinchers to spendthrifts, everybody may use a price range – and PTs are not any exception. Whether or not you need complete cash administration or a easy spreadsheet, the 4 budgeting apps listed beneath will provide help to get monetary savings and curb spending. 

Budgeting for PTs

Cash issues come up steadily on this weblog, as a result of monetary wellbeing is simply as related to a bodily therapist as bodily wellbeing. When you throw your again out, you possibly can’t do your job effectively – and in case your funds are tanking, your profession will endure. 

PTs make a good wage, however it comes with a catch: a number of hundreds of {dollars}, generally six figures’ price, of PT faculty tuition. I knew I wanted a price range whereas I used to be in class, so I created this price range template to assist myself – and PT college students like me – keep away from mounting debt.

So should you’re a PT pupil struggling to pay tuition, or a licensed skilled working time beyond regulation to remain within the black, you must contemplate budgeting. It’s among the best issues you are able to do in your funds, and now with the plethora of apps and spreadsheets accessible on-line, it’s by no means been simpler. 

4 Greatest Budgeting Apps

Budgeting could be overwhelming by itself, so don’t get slowed down trying to find the most effective budgeting apps. Under are my prime picks for 2022!

Every day Finances: Greatest for the Minimalist

daily budget app


  • Finances calculation
  • Expense categorization
  • Saving for targets and funds


  • Free for normal model


  • Simple to make use of and nice for on-the-go monitoring
  • Categorization is elective
  • Information could be simply backed as much as the cloud


  • Doesn’t hyperlink to exterior accounts or banks
  • Requires guide entry
  • Doesn’t accommodate a number of units or accomplice budgeting
daily budget budgeting app

Budgeting doesn’t must be sophisticated. All of it comes down to at least one precept: spend lower than you make. Every day Finances calculates how a lot you possibly can spend every day by deducting all of your common bills and payments out of your earnings. 

As an example, if I make $3000 every month and price range $2100 of it for financial savings and payments, I’ll have $900 leftover for versatile or variable spending, reminiscent of buying, groceries, and consuming out. 

As an alternative of getting me categorize and monitor that $900, Every day Finances merely divides it by the variety of days in a month: $30. That’s how a lot I may spend every day and be inside my price range.

This idea is much like the envelope technique, the place you solely spend money from an appointed envelope. When you spend lower than your day by day allowance ($30, in my case), the leftover cash rolls over. When you overspend, you’ll have a destructive steadiness till your accruing allowances put you out of the outlet. 

Every day Finances is ideal for individuals who don’t wish to file each single greenback right into a class or job. When you’re into that type of factor, the app does help you categorize your bills, however you’re not required to. 


The app is astoundingly easy to make use of. It could possibly accommodate quite a lot of earnings conditions, whether or not you’re paid weekly, month-to-month, yearly, or at random. Equally, your mounted bills replicate your 12 months’s bills (together with these sneaky subscriptions you overlook about), and you may at all times regulate these quantities. 

Similar to different budgeting apps, DB might help you propose for financial savings targets or contribute to explicit funds. If there’s a giant expense you’d like to avoid wasting up for, you possibly can set it up as a “Huge expense,” which, just like the mounted bills, will likely be deducted out of your day by day price range till you have got saved the steadiness.


The usual model of Every day Finances is free to make use of. For a one-time cost of $11.99, the PRO model provides extra classes, advert removing, and tighter knowledge safety. However as a result of neither model entails linking to a checking account, there’s little private knowledge to danger. 

EveryDollar: Greatest for the Autonomous Budgeter

EveryDollar: Best budgeting apps


  • Zero-dollar price range calculation
  • Customizable categorization
  • Financial savings targets and funds


  • Free for normal model 


  • Helps a fundamental strategy to budgeting
  • Depicts month-to-month spending with charts and comparisons
  • Free to make use of (commonplace model) with few adverts


  • Doesn’t hyperlink financial institution accounts
  • Requires guide entry and maintenance

Probably the greatest-known budgeting apps, EveryDollar is the brainchild of Private Finance guru Dave Ramsey (well-known for the aforementioned envelope technique). 

With this app, you’ll assign a spending class to each final greenback of your earnings, from main classes reminiscent of Well being and Housing to explicit classes you customise every month. 

It isn’t riddled with bells and whistles, however it does show month-to-month pie charts and spending percentages. The app will even retain data of earlier months’ budgets, making it simple so that you can evaluate your spending from the earlier 12 months.

With EveryDollar, you possibly can arrange all of your cash, together with what you place in the direction of debt or stash away in a fund. An Emergency Fund is inbuilt to each month’s price range, which shouldn’t come as a shock should you’ve learn something by Dave Ramsey (reminiscent of Complete Cash Makeover). 


You may entry your EveryDollar price range on each your telephone and your pc, so it’s simple to share the account with one other system reminiscent of a accomplice’s telephone. Establishing your classes and monitoring your spending are intuitive and simple regardless of the system you employ.

The one disadvantage to utilizing the app is getting via the persistent adverts for Ramsey+, a paid improve. In any other case, there are not any different adverts to distract you out of your private finance progress.


EveryDollar is free to make use of, however if you would like the total budgeting options of financial institution synchronization and Ramsey assets, you’ll must pay a (quite hefty) subscription to Ramsey+. A 12 months’s price prices $130, whereas a 6-month subscription is $100 and a 3-month subscription $60.

YNAB: Greatest for the Budgeting Newbie

YNAB budgeting app


  • Finances calculation
  • Hyperlinks exterior accounts and banks
  • Tracks and analyzes spending



  • Academic emphasis for behavioral change
  • Contains entry to free workshops every month
  • Constructed for a number of units and joined accounts


  • Requires a subscription
  • Restricted to budgeting; no different finance capabilities

When you’re at all times enjoying “catch-up” together with your funds, YNAB can present you a brand new manner. As an alternative of budgeting future cash for current bills, you’ll discover ways to price range current cash for future bills. You Want A Finances focuses solely on budgeting: the place your cash will go and what you’ll have left to avoid wasting and spend. 

However don’t let its easy premise underwhelm you; the app isn’t restricted to monitoring transactions and assigning classes like EveryDollar is. Utilizing 4 ideas of life-style budgeting, the YNAB app guides customers into creating programs and habits that transfer, breathe, and replicate real-life bills. It provides a extra nuanced strategy than Every day Finances, with comparable ease of use. 

Our App Lineup | You Need A Budget


All good change requires changes, and it might take you a couple of weeks to get the grasp of utilizing YNAB. Though there are various options to discover and implement, YNAB retains it easy for you with clear directions and shortcuts.

One of many hardest issues about sticking to a price range is maintaining with the “paperwork” – inputting each final expense into your app or spreadsheet. To expedite the method, YNAB hyperlinks to your financial institution accounts and routinely data your transactions. And also you’ll get pleasure from reviewing the resultant spending stories, bejeweled with colourful charts and graphs.


YNAB’s distinctive strategy to behavioral budgeting is profoundly efficient, however these advantages come at a price. After a free 34-day trial, you’ll must pay a subscription for YNAB, both $12 month-to-month or $84 yearly.

Put in perspective, it is a small value to pay for the immense return on funding you’ll probably make, contemplating the typical person saves $600 annually. When you follow this system, these charges pays for themselves in {dollars} saved.

Mint: Greatest Free Budgeting App 

  • Options:
    • Finances calculation and categorization; hyperlinks banks
    • Contains financial savings targets and provides good teaching
    • Screens investments, invoice funds, and credit score report 



  • Extremely safe and simple to make use of
  • Free with all options included
  • Tracks investments
  • Runs quarterly credit score stories


  • No possibility to affix Mint accounts for accomplice budgeting
  • No strategy to do away with adverts

Contemplating it’s the #1 most downloaded private finance app, there’s an excellent likelihood you already learn about Mint. I’ve used it for my private funds since 2008, and I can attest that Mint is common for good cause.

A veritable all-in-one private finance bundle, Mint is greater than a budgeting app. In addition to linking all of your accounts and monitoring your transactions, Mint provides some options past what you’d get from their opponents.  

For instance, Mint runs quarterly credit score stories via TransUnion and can provide you with a warning to any adjustments in your credit score rating. 

best budgeting apps

Many budgeting apps help you create monetary targets, however Mint takes it a step additional. By surveying your subscriptions and analyzing your spending, Mint will present you the place to chop again should you’re lagging behind your targets.

Many customers just like the “This Month” tab, which shows in a single calendar web page all of your upcoming payments, of which you’ll select to be notified.  

Whereas Mint isn’t an funding app, it may possibly additionally provide help to monitor your investments by synchronizing your IRA, 401(ok) and different fund accounts. Your funding charges are a part of your bills and belong in your price range, however few budgeting apps accommodate investments like Mint does.  


Regardless of its complexity, Mint is simple to make use of. When you’ve ever operated QuickBooks or TurboTax, you already understand how user-friendly Intuit software program could be. 

And similar to different Intuit apps, Mint options air-tight knowledge safety: multiple-factor authentication, robust encryption, and an elective 4-digit passcode. Plus, with distant entry you possibly can simply shut out your account from one other system, defending your financial institution data within the occasion of a misplaced or stolen telephone. 

It might take you a couple of weeks to get snug utilizing the app, particularly should you’ve by no means budgeted earlier than, however finally I believe you’ll discover these options are definitely worth the studying curve. 


Maybe one of many best attracts to the Mint budgeting app is its affordability. Not solely is Mint free to make use of – sure, completely free – there is no such thing as a “free model” and “paid model.” All options, from credit score monitoring to financial institution syncing to funding monitoring, can be found without cost. 

The one catch to this nonexistent price ticket is the presence of adverts. In-app ads generate income for Mint and allow the app to be free. Nonetheless, as a result of there’s no paid model (at the least, on the time of this writing), you possibly can’t do away with these adverts, even should you’re keen to pay. 

Budgeting Bonus: Downloadable price range spreadsheet

Not everyone seems to be tech-savvy, and I do know loads of PTs preferring pen-and-paper strategies. Simply because these budgeting apps are extensively efficient doesn’t imply you possibly can’t obtain comparable outcomes with a easy spreadsheet. To get began by yourself price range spreadsheet, try this free, printable price range plan from a fantastic private finance weblog. 

In the end, none of those instruments will enhance your funds on their very own, and there’s no true “set-it-and-forget-it” price range. It would take you many months to ascertain the self-discipline of budgeting, however your efforts will repay in the long run.   



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