5 apps to track your spending in 2021

We’ve all been there.

It’s Monday at 12:35 p.m. You just got paid on Friday, yet you’re already hesitating to splurge on that extravagant work lunch. Your check has come and gone, and all you have to show for it are pending transactions.

The cravings go unsatisfied: No sushi today. Just another salad you’re going to pick at, another sandwich you really don’t want, another week wondering how you just got paid yet have no money to show for it.

Three days can feel like three years when it’s payday weekend—even more so if your stimmy hit on top of your paycheck, and even more so with your tax return pending and another check looming shortly after that. You work hard, so you’ve got to party hard, which means treating yourself: Uber Eats one day, DoorDash the next; an Amazon shopping spree and maybe even a trip to the mall.

But are you tracking your treating, or tricking and treating?

2021 is the year for the glo-up, and the biggest glo-up is taking control of your finances and your financial future. Luckily, 2021 is another year of technological advancements, and here are five apps to help you minimize unnecessary spending, maximize your saving and investing, and keep your fiscal goals at the forefront.



PocketGuard has a user-friendly interface and several layers of encryption to make real-time finance tracking both easy and safe. It links your checking, savings, and credit account to determine how much money is “in your pocket” and peruses your spending history to determine what recurring charges are looming.


Personal Capital

Personal Capital comes highly recommended by a number of sites as 2021’s best app for long-term budgeting, investing for retirement, and wealth generation. The app is free but gives the user the option of a 0.89% charge of the account value for investment management services.

Not only does this service link your checking, savings, and credit accounts, it also allows you to connect retirement accounts, like your IRA and 401(k), as well as mortgage accounts and other loans.



Mint is tried and true and has been around for some time. It consistently ranks as one of the best budgeting apps out there because of its simplicity, detailed insights, subscription monitoring and, of course, its price: free.


You Need A Budget (YNAB)

This service gives you a 34-day trial then charges either $11.99 a month or $84 for the year. It’s a serious, zero-based budgeting system that accounts for every dollar you touch and also helps you set goals to save for over time.



Track your spending with your significant other using this app that merges your two financial pictures into one. The app categorizes expenses, allows you to set limits on those expenses, and notifies you when you’re approaching that limit.

This could be a way to stop him from eating out (those #PandemicPounds are catching up, king) or to keep her from another day of retail therapy.