The Best Free Personal Finance Apps for Android

A gentleman working on his personal finances using an app on his tablet.

Tracking expenses, creating budgets, and paying bills aren't exactly fun activities, but these tasks can be made easier with Android apps. Whether you're trying to save money, pay off debt, or track investments, there's an easy to use app out there ready to help. Conveniently, many personal finance apps are free, and we've selected four of the best based on experience, as well as expert and user reviews. In addition, all of these apps offer security features so you don't have to worry about your accounts getting breached. 

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Screenshot of the Mint website.

What We Like

  • Savings tips.

  • Helps prevent late fees.

  • Sync notifications with your calendar.

  • Lots of supported banks and card institutions.

What We Don't Like

  • Includes credit card offers.

  • Slow account updates.

  • Cannot use the app to pay bills.

Mint offers all of the best features that you find on the desktop product including your net worth, high spending categories, and an overview of your savings and debt. Mint definitely got me excited about paying off credit card and student loan debt (love the Goals feature), and now I can easily see where my money is going and when I receive payments. (Being a freelancer means an unpredictable pay cycle.) Mint also tracks your credit score every month.

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Screenshot of the Good Budget website.

What We Like

  • Widget for fast transaction recording.

  • No bank linking required.

  • Access years of historical data for free.

  • Completely ad-free interface.

What We Don't Like

  • Must enter all information manually.

  • Several features are not free.

  • Does not sync with financial institutions.

While Mint does have a budgeting feature, it's pretty basic. If you need more robust tools, Goodbudget is a good resource. It uses the envelope budget technique, where you can create your own categories and set spending limits. You can split transactions between more than one category, and sync your data across five different devices. This way, you and your family can be in the know about household finances. You can also download spending reports to figure out where you're overspending and make adjustments as needed.

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Clarity Money

Screenshot from the Clarity Money website.

What We Like

  • Easily link all your accounts.

  • Unique security features.

  • Quickly cancel subscriptions.

  • Important account alerts.

What We Don't Like

  • Can't enter institution information manually.

  • Lacks cash management tools.

  • No way to split transactions.

There are times when your bank may not catch an unusual charge, causing inconvenience and stress. Clarity Money monitors your transactions and alerts you if an unusual charge or charge attempt shows up. It will also alert you if you've shopped recently at a merchant that experienced a data breach. You can also monitor your credit score here.

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Screenshot from the Venmo website.

What We Like

  • Send and receive money.

  • Connect bank or card.

  • Buy things in apps and online.

  • Apply for a physical debit card.

What We Don't Like

  • Transactions are public by default.

  • Transfers are not instant.

  • Security concerns.

Finally, Venmo is an easy way to send money to friends. For example, if you go out to dinner with several people and one person puts down their credit card, the other diners can then "Venmo" the payer their share. You can put money in your Venmo account or connect it to a credit card or bank account. It's free to make payments from your Venmo or bank account, but there's a 3 percent fee on some credit and debit cards. (Receiving payments is always free.) It's important to note, that, although Venmo is owned by Paypal, it's not quite the same. Venmo is meant to be used only with people you know and trust and doesn't offer buyer or seller protection. On the other hand, Paypal offers more robust fraud protection, so that you can feel safe doing transactions with strangers on eBay and other online stores. So Venmo with friends and PayPal with strangers.

If the apps covered here don't meet your exact needs, you may want to consider looking at others, like apps that will help you monitor your credit score, or apps that help you with specific bank functions from your financial institution.