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What happens when you ask financial professionals and educators to tell you about their favorite personal finance apps and online tools?
We didn’t know what their answers would be, but we knew they would be good.
We heard from financial advisors and money coaches sharing tools they recommend to their clients. And from personal finance blog and podcast owners whose insights help tens of thousands of readers and listeners each month.
The apps they love include household names that have been around for decades to fintech newcomers yet to be discovered. You’re sure to recognize apps you’ve used and loved, and also learn about new tools and services that can put a little more cha-ching in your step.
Here’s what they told us.
Finance Expert: Jay W. Rishel, CFP®️ (www.overmancapitalmanagement.com)
Favorite Personal Finance App:
TrueBill
Why this is a favorite:
“One of my favorite features of TrueBill is they will negotiate discounts on your current bills/subscriptions. They’ve successfully negotiated internet, phone, and alarm system discounts for some of our clients. Plus, TrueBill gives you the freedom to choose how much or how little you want to compensate them for their services (they only charge you if they successfully negotiate a discount). “
Finance Expert: David DeWitt (https://www.dewittcm.com/)
Favorite Personal Finance App:
TrueBill
Why this is a favorite:
“TrueBill is awesome if you put in the minimally necessary time to keep it organized! “
Finance Expert: Mike Cavaggioni (https://averagejoefinances.com)
Favorite Personal Finance App:
Personal Capital
Why this is a favorite:
“Personal Capital is one of my favorite ways to track my net worth. It links all of my assets and accounts together for a quick view of where I’m at. It also tracks and updates me on my spending habits.”
Finance Expert: Becky Blake (https://www.twentyfree.co)
Favorite Personal Finance App:
cFIREsim
Why this is a favorite:
“This is a fantastic online calculator that will let you forecast a variety of scenarios to see the impact that different financial choices have on your early retirement timeline. “
Finance Expert: Budget Life List (https://budgetlifelist.com/)
Favorite Personal Finance App:
Microsoft Excel
Why this is a favorite:
“An excel spreadsheet is simple, easy, and cheap. I love using a spreadsheet because there is no cost, download, or confusion. It’s perfect for a millennial minimalist on a budget.”
Finance Expert: Natalie Graham (GoFromBroke.com)
Favorite Personal Finance App:
Peak Money
Why this is a favorite:
“Peak Money makes saving money fun and easy. Simply set a goal, choose one of Peak’s automated savings plans, and watch your savings grow.”
Finance Expert: Dollar Financials (https://www.dollarfinancials.com/)
Favorite Personal Finance App:
Mint
Why this is a favorite:
“Mint helps me stay on top of my budget and stay focused on achieving my financial goals. And, it is free!”
Finance Expert: Michelle Lambright Black (https://creditwriter.com)
Favorite Personal Finance App:
Qube Money
Why this is a favorite:
“Qube Money offers the benefits of budgeting with cash envelopes without the drawbacks. I can still use my credit cards, still avoid debt and credit damage (by paying them off in full), and still earn free travel and other great rewards. The digital banking app simply makes it easier for my spouse and I to manage our budget and make sure we’re hitting our financial goals. “
Finance Expert: Diana Finance (https://dianafinance.com/)
Favorite Personal Finance App:
Honeygain
Why this is a favorite:
“Honeygain helps me earn money passively, just for using the internet connection. I earn almost $20 a month for free, just by using the internet and having Honeygain installed on my laptop and smartphone.”
📲 Have a Question About a Personal Finance App?
Finance Expert: AR at Accidentally Retired (https://accidentallyretired.com/)
Favorite Personal Finance App:
TaxCaster
Why this is a favorite:
“My new secret weapon in tax planning – TaxCaster proves to be a great tool to plan out capital gains management for the year. Using TaxCaster, we figured out how to pay effectively $0 tax for 2021.”
Finance Expert: Mr. FightToFIRE (https://www.fighttofire.com/)
Favorite Personal Finance App:
YNAB (You Need a Budget)
Why this is a favorite:
“YNAB helps me keep track of all my banking and investment accounts in one smooth and slick app since 2012. It keeps me focussed on the final goal: FIRE.”
Finance Expert: Chrissy (https://eatsleepbreathefi.com/)
Favorite Personal Finance App:
YNAB (You Need a Budget)
Why this is a favorite:
“YNAB is a fun and enjoyable way to track your money and put every dollar to work. (I’m a hyper-optimizer, so this is my favourite aspect of YNAB.) I’ve yet to meet anyone who’s given YNAB a good try and not fallen in love with it!”
Finance Expert: Larry Sprung, CFP® (https://www.mitlinfinancial.com/)
Favorite Personal Finance App:
Retirement by Design
Why this is a favorite:
“Retirement By Design that allows us to work with those we serve to manage virtually any retirement account while maintaining it at the current provider. This platform solves the issue of receiving professional advice on one of most people’s largest assets. Retirement By Design solves issues around getting advice and guidance on the assets that will help you reach your retirement goal.”
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About the Author
About the Author
Brian Thorp
Brian is CEO and founder of Wealthtender and Editor-in-Chief. He and his wife live in Austin, Texas. With over 25 years in the financial services industry, Brian is applying his experience and passion at Wealthtender to help more people enjoy life with less money stress. Learn More about Brian
To make Wealthtender free for readers, we earn money from advertisers, including financial professionals and firms that pay to be featured. This creates a conflict of interest when we favor their promotion over others. Read our editorial policy and terms of service to learn more. Wealthtender is not a client of these financial services providers.
➡️ Find a Local Advisor | 🎯 Find a Specialist Advisor