The more you use a personal finance app, the better it gets.

Having used Personal Capital for a while, I’ve built up a lot of useful historical data in the app.

As a Mint user for years, I can see what I spent on certain categories years ago.

(You can read my comparison of Personal Capital and Mint here.)

This makes the decision of what app to actually use, that much more important. The last thing you want is to switch apps a year from now, when you’ve invested a year into a certain app.

With so many apps in the app store, where should you start?

The logical choice is the highest rated apps.

All apps are available for both iPhone and Android devices. But to keep consistency, I used App Store Ratings.

#1. Rakuten – Rating: 4.8 – ‎48 reviews

Rakuten LogoCategory: Shopping

iTunes Store Description: Shop and save money with Cash Back rewards, coupons, online discounts, offers and sale deals. Buy at more than 2,000 retail and wholesale stores such as Groupon, eBay, Macy’s, Kohl’s, Sephora, Target and Walmart. Download today and let the savings begin!


See Also: 15 Quick Ways to Get Free Walmart Gift Cards

Spending Tracker Logo#2. Spending Tracker –  Rating: 4.8 – ‎277 reviews

Category: Finance

iTunes Store Description: Spending Tracker is the easiest and most user friendly Personal Finance App in the store. And best of all, it’s free! The simple fact is, by tracking your spending you will be able to stick to a budget and therefore SAVE MONEY.


Credit Karma#3. Credit Karma – Rating: 4.8 – ‎1,459 reviews

Category: Finance

iTunes Store Description: Get your free credit scores, reports and more on Credit Karma. Checking your own credit won’t affect your score, and we’ll never ask for your credit card info. Apple ® named it one of 2016’s 10 Best Apps of the Year, and it now has a bright new look!



#4. Personal Capital –  Rating: 4.7 – ‎101 reviews

Category: Finance

iTunes Store Description: Personal Capital is the smart way to track and manage your financial life. We combine award-winning online financial tools that provide unprecedented transparency into your finances with personal attention from licensed financial planners. The result is a complete transformation in the way you understand, manage and grow your net worth.

Click here to sign up for Personal Capital.


#5.  Shopkick –  Rating: 4.7 – ‎5,911 reviews

Category: Shopping

iTunes Store Description: Shopkick is the shopping app that rewards you with FREE gift cards for the shopping you already do! Join the millions of Shopkickers who have earned over $60 million in free gift cards to Starbucks, Walmart, Sephora, and more.


iTunes Store Description:

#6. Qapital – Rating: 4.7 – ‎46 reviews

Category: Finance

Tunes Store Description: You know that savvy friend who’s super good at saving money? Yeah, well, good for them. But we’re not all that person.That’s why we built Qapital – a new way to bank that makes it easy to save money for the stuff that really matters. Our “Goal-focused” approach to checking and savings accounts makes smart money management effortless, motivating…even a little fun.



#7. Spendee –  Rating: 4.7 – ‎93 reviews

Category: Finance

iTunes Store Description: Understand your finances better with Spendee, budgeting app that tracks your spending, optimizes your budget and helps you save money.


#8. Penny –  Rating: 4.6 – ‎149 reviews

Category: Finance

iTunes Store Description: Chat with Penny to securely track your spending and plan for a better financial future! We’ve tracked millions of transactions and helped hundreds of thousands of people.