Managing your money can feel like a juggling act. From retirement and investment accounts to credit cards, loans and everyday spending, it can be hard to know where your finances actually stand.
All-in-one financial apps simplify things by bringing your accounts, transactions and balances into one place. That means less time switching between websites and digging up old passwords, and more time focusing on your financial goals.
These are the best finance and budgeting apps for getting a complete view of your finances.
Our top picks for all-in-one budgeting apps
- Monarch: Best for customized financial management
- Copilot Money: Best for investors
- Origin: Best for financial planning
- Empower: Best for net worth tracking
- Quicken Simplifi: Best for meeting financial goals
Compare the best all-in-one budgeting apps
| Finance app | Best for | Features | Monthly price | Free plan available? |
| Monarch | Customized financial management | Budgeting, net worth tracking, investment tracking, retirement planning, AI insights | $14.99 | No |
| Copilot Money | Investors | Budgeting, net worth tracking, investment tracking, AI insights | $13 | No |
| Origin | Financial planning | Budgeting, net worth tracking, investment tracking, retirement planning, AI insights | $12.99 | No |
| Empower | Net worth tracking | Budgeting, net worth tracking, investment tracking, retirement planning | Free | Yes |
| Quicken Simplifi | Meeting financial goals | Budgeting, net worth tracking, investment tracking, retirement planning | $5.99–$8.49 | No |
Monarch: Best for customized financial management
- Monthly price: $14.99
- Free plan available? No
- Features: Budgeting, net worth tracking, investment tracking, retirement planning, AI insights
Monarch offers an array of financial tools to help you create a budget, track your net worth, monitor goals and predict cash flow. The platform lets you connect and track virtually any account, including bank accounts, credit cards, investment and retirement accounts, loans and mortgages, so you can get full visibility into your finances.
You can customize your budget and interface based on how detailed you want to get. For instance, you can choose between “flex budgeting,” a simple budget approach based on high-level spending buckets, or “category budgeting,” which further breaks down your spending. You can also organize your budget and financial dashboard with custom rules and tags.
That said, Monarch’s extensive options can be overwhelming for beginner budgeters, and there is no free version available.
Copilot Money: Best for investors
- Monthly price: $13
- Free plan available? No
- Features: Budgeting, net worth tracking, investment tracking, AI insights
Copilot Money’s dashboard displays sleek visuals of your budget, investments and net worth. You can easily track budget items, like spending and cash flow, as well as your updated net worth, live stock performance and allocation breakdowns. It even lets you track the estimated value of properties you own with Zillow.
This makes Copilot Money a good choice if you want to visualize day-to-day expenses but are also focused on longer-term wealth building and investing.
Like Monarch, you can connect almost any type of financial account to Copilot Money, and there is no free plan. Copilot Money is also only available on iOS and desktop, not Android.
Origin: Best for financial planning
- Monthly price: $12.99
- Free plan available? No
- Available features: Budgeting, net worth tracking, investment tracking, retirement planning, AI insights
Origin is an AI-powered platform that gives users advanced insights into their budgets, investments and financial goals.
The app’s AI advisor is like a personal financial coach, and can answer questions about your savings and investing goals. Additionally, Origin’s AI insights help analyze your spending habits to identify trends and offer personalized recommendations for managing your money.
Unlike other apps on this list, Origin offers tax filing and estate planning features. It also has more advanced features, like forecasting tools to plan for different scenarios.
Like several other apps on this list, Origin does not have a free plan. Additionally, because it’s a more involved financial app, setup can take longer than more basic platforms.
Empower: Best for net worth tracking
- Monthly price: $0
- Free plan available? Yes, completely free
- Available features: Budgeting, net worth tracking, investment tracking, retirement planning
Empower is the only free financial tool on our list. The platform offers dashboards for tracking your net worth, budget and retirement accounts. It also includes tools like a retirement fee analyzer, debt paydown charts and suggested investment allocations.
This app is great for visualizing all aspects of your financial life, though its day-to-day budgeting tools are more limited. You can see individual transactions and spending, but you can’t create specific spending goals per category.
Quicken Simplifi: Best for meeting financial goals
- Monthly price: $5.99–$8.49
- Free plan available? No
- Available features: Budgeting, net worth tracking, investment tracking, retirement planning
Quicken Simplifi also lays your finances out in one dashboard, but it has more budgeting tools to help you anticipate expenses, forecast cash flow and monitor spending.
The app’s Savings Goals feature lets you see your progress toward specific goals and see if you’re on track to meet them by certain target deadlines.
There are several other budget-specific features as well. For example, Quicken Simplifi will estimate how much you have free to spend after covering necessities, and its Watchlist feature gives you detailed insights into categories where you tend to overspend.
There are also retirement and investment tools, though Quicken Simplifi stands out more for its everyday money management features.
How we rate budgeting apps
We evaluate our top budgeting apps across 23 factors in categories including pricing, connectivity and functionality, security and support, reviews and availability, and key features.
When deciding which apps were best for all-in-one finances, we considered the variety of tools a platform offered. In addition to day-to-day budgeting, we looked for apps with investment and net worth tracking, custom insights and retirement planning capabilities.
How to choose the best finance app for your needs
To choose the best finance app for you, consider your financial goals and priorities. Ultimately, any of these apps can help you manage your finances better, but they each take a slightly different approach.
If building wealth is your main focus, finding an app with retirement and investment tracking, like Copilot Money or Origin, is a good place to start.
If you’re more focused on day-to-day spending and savings goals, consider apps that offer detailed budgeting tools and visuals, such as Monarch and Quicken Simplifi.
Some apps are more hands-on than others. For instance, Empower is a free tool that gives you a high-level understanding of your full financial picture, while Monarch and Origin have customization tools for digging into the details.
Free vs. paid finance apps
Most finance and budgeting apps require a subscription for full access. Of the platforms on this list, monthly prices range from about $6 to $15 per month. A paid finance app can be worth it because it usually gives you features like automatic transaction syncing that most free apps don’t offer. This can be worth it if you want to maximize your financial insights and features.
There are free options available as well. Empower is the only finance app on our list that is completely free. Other popular budgeting apps, such as Rocket Money, have free and premium versions. These can be a good option if you want to try an app before committing to paying for more features.
You also don’t necessarily need a finance app to track your spending and finances. Simpler methods, like using a budgeting spreadsheet, can work fine if you don’t mind taking time to manually update your income and expenses.
Are finance apps safe?
Yes, budgeting apps are generally safe. Established budgeting apps typically protect your data with precautions like encryption, read-only access of your accounts and multi-factor authentication. Popular budgeting platforms use the same security standards as other banking and investing apps.
Still, always take basic precautions to protect your data. Use strong passwords and only download reputable apps. Verify that any requests for information are legitimate, and read over an app’s privacy policy and data practices before linking any accounts.
Frequently asked questions
What is the best all-in-one finance app?
We named Monarch and Copilot Money as the best all-in-one financial apps. Both these platforms allow you to connect several types of financial accounts to view your full financial picture. They also offer several tools for creating a detailed budget and understanding your finances.
Is there an app that shows all your investments in one place?
Yes. Apps like Copilot Money, Origin and Empower show all your investments in one dashboard.
What’s the difference between a budgeting app and an all-in-one finance app?
Like budgeting apps, all-in-one finance apps typically include budgeting features for tracking day-to-day income and expenses. However, all-in-one apps also include other tools, like net worth tracking, retirement planning and investment analysis, so you can view all your finances in one place.
What is the best free all-in-one finance app?
Empower is the best free all-in-one finance app. Users can see their current net worth, track retirement and investment accounts, and create budgets within the platform.