It’s never been easier to manage your money from your phone, with hundreds of different apps available to help you with tasks ranging from simple budgeting to building wealth. Here’s a quick round-up of some popular apps available in Australia right now.
Apps for simple budgeting
Simple budgeting apps help you sort out exactly how much money you have left after costs at the end of each month. They also analyse your spending and track your progress on saving or debt-reduction goals.
Goodbudget – available for iOS and Android – the basic plan is free.
Simplsaver – Aussie-made app, available for iOS – the first five budget items are free.
Apps for saving
The latest saving apps have many innovative tools to help you save, such as roundups and pay splitting. The award-winning app from Australian digital bank Up isa banking, budgeting and saving app in one, with a range of tools and features to help you save. (You do need to be an Up customer to use this one.)
Up – available for iOS and Google Play – free.
Don’t forget your own bank– many bank apps can help you save, budget and manage your finances – and they’re usually free.
Any advice is general in nature only and has been prepared without considering your needs, objectives or financial situation. Before acting on it, you should consider its appropriateness for you, having regard to those factors. Before making any decision about whether to acquire a financial product, you should obtain the Product Disclosure Statement.
Apps for personal finance insights
Go beyond basic budgeting with apps that let you synchronise all your Australian accounts, including credit cards, loans, superannuation and investments in one place, set budget and saving goals, and automatically track bills. The award-winning Frollo app, powered by open banking, offers a downloadable Financial Passport with a comprehensive overview of your finances for the last 12 months. Got money overseas as well? You may want to consider an app like PocketSmith Sidekick or similar.
Frollo – available for iOS, Android and Google Play -free.
PocketSmith Sidekick – available for iOS, Mac and Android – the basic plan is free.
Apps for managing debt
Debt-management apps let you collect all your accounts, including Buy Now Pay Later services, in one place. Track your bills, set saving goals, access debt-management tips and improve your credit score.
WeMoney – available for iOS and Google Play. Free basic plan.
YNAB (You Need A Budget) – available for iOS and Android.
If you’d like help refining your financial strategy – whether it’s for debt reduction, wealth creation, or wealth protection and securing your loved ones’ future – book a time to chat, I’m here to help with insurance and financial solutions tailored to your needs.
Any article linked below is an external article/website and no responsibility is accepted for the content of any third party website referred to in this article. The apps mentioned are just some examples of available apps . This is not an endorsement or recommendation of any app mentioned. Be sure to be vigilant with your technical and other security, including cyber security, as with any technology.
Sources:
Best Budgeting Apps in Australia for 2025 | Finder
The seven best budgeting and savings apps every Aussie needs
Best Budget Apps in Australia for 2024 | Savings.com.au
