Best Budgeting Apps

7 Best Budgeting Apps for Side Hustlers 

Thanks to technology, managing money has never been easier with these best budgeting apps. With a touch of your phone, side hustlers can easily check and update their financial activity anytime. 

This is especially helpful when you have several streams of income and want to see where all that money you’re making (and saving) is going. 

These budgeting apps offer features that not only monitor bill payments and set budgeting goals, but they also notify you of upcoming recurring payments and provide insights on spending. 

With these 7 budgeting tools at your fingertips, you’re able to get closer to your financial goals and take control of your economic future on a daily basis. 


#1 PocketSmith

PocketSmithPocketSmith is a personal finance software app that enables you to view all of your financial accounts on one platform. This way, you can see the big picture of your finances and are better able to plan. 

One of the helpful features of PocketSmith is its built-in money forecasting. Like a financial crystal ball, it shows you the future of your spending behaviors. 

You can test out what happens when you cut back expenses to invest, pay off debt, or save money. PocketSmith will show you the payoff of changing your money habits 6 months to 10 years later.

Multiple income streams are not a problem for this app either.

PocketSmith lets you separately track income and expenses from your day job, side hustle, and other activities. Airbnb renters can especially benefit from this feature, with tracking for Airbnb income and expenses built in.

PocketSmith offers 3 different pricing packages, and each delivers a unique service:

  • The Basic package is free.
  • The Premium plan for $9.95/month (or $7.50/month when paid annually) which includes automatic bank feeds and transaction importing. 
  • The Super package includes premium features for $19.95/month – less when paid annually.


Sign up with PocketSmith’s Basic package, and design a new financial future for yourself.


#2 Mint 

MintMint is one of the most trusted and best budgeting apps for iPad, iPhone, Android, and Windows mobile devices.  

Owned by Intuit, (makers of TurboTax and Quicken), Mint is an easy-to-use app that gives you a quick snapshot of your spending. It syncs up nearly every aspect of your financial life from bank accounts and PayPal.com to credit cards and investment performance.

Input your information, and Mint gets going right away on creating a budget. It lets you know how much you are spending that month on expense categories like groceries, clothing, etc. Then, it lets you know how much should be spent based on past spending patterns and average spending in that category. The budgets are customizable so that it works for you.

One of the best uses of Mint is to take better control of your spending. 

Through a spending tracker, it calculates your monthly spending patterns, helping you focus on a specific type of spending, and even helps you set limits on how much you can spend in a particular category.

Mint’s alerts are a money-saving feature. Notifications are sent out to help flag things like an exceeded budget, a bill nearly due, or too much spent on ATM fees. Mint recognizes unusual spending activity as well and raises a flag in hopes of avoiding identity theft.

Users especially like it for its features of credit score tracking, and even ability to offer home value (provided by partner Zillow). 

Sign up for Mint free, and make managing your money easier! 


#3 Charlie 

Charlie appWho knew an adorable little AI penguin could help you keep track of your spending, automate your budgets, and find ways to save money?

Charlie is one of the best budgeting apps that puts you on your path to better money habits and achieving your financial goals. It’s free and can be utilized through Facebook messenger or SMS.

According to Listen Money Matters, Charlie helps people save on average $80 per week and connects to over 14,000 different financial institutions across the country! 

Charlie syncs up all your accounts and assesses your daily transactions, hidden fees, late charges, and where you might be overpaying.

Interaction with Charlie happens on a regular basis. 

He saves you time and money by sending notifications when an account balance is running low or when a payment is coming due. 

He also is great at helping set up budgeting goals–a perfect feature for side hustlers.

Whether you’re wanting to pay off debt, save money for a trip, or manage your finances more, this smart little penguin will create the exact steps you need to take in order to achieve that goal.

One way this is done is through the spending tracker, which helps you get a grip on your spending. 

This feature calculates your monthly spending patterns, helping you focus on a specific type of spending, and even helping you set limits on how much you can spend in a particular category. 

Charlie is great for those who aren’t quite ready for a Mint.com commitment but still want to work on some basic goals that will allow them to achieve more financial freedom.

Charlie is 100% free—so why not give him a shot at helping you meet your money goals?


#4 MoneyPatrol

Money PatrolIf you have trouble organizing your finances, MoneyPatrol is a beneficial tool to use. The goal is to help improve your financial health by analyzing your spending and sending reminders of upcoming payments.

MoneyPatrol offers support for more than 15,000 financial institutions, making it easy to add all of your accounts. You can track your student loans, business accounts, investments, mortgage, and even some types of gift cards. 

Once connected, MoneyPatrol gets to work monitoring all activity. If there’s ever an incident that might be concerning, you’ll have alerts to keep you informed.

MoneyPatrol uses data to help you manage your finances. You’ll get an overview of your spending habits, as well as monitoring your upcoming bills and recurring charges.

In addition to tracking, MoneyPatrol lets you use the information you’ve learned to set a budget and organize your finances.

Users have reported an average of $5K+ positive impact on their personal finances, according to the site.

Try MoneyPatrol free for 15 days. After that, it’s a $4.99 per month subscription, billed annually $59.99. 


#5 Clarity Money

Clarity MoneyThere are many reasons that Clarity Money is one of the best budgeting apps highlighted. 

It is a solid budgeting option that offers money-saving tips. The app’s standout feature is the option to cancel recurring subscriptions through the platform.

By identifying which subscriptions to cancel and bills to lower, the app helps you become aware of those forgettable monthly costs that add up throughout the year. This can make a big difference to side hustlers working towards financial growth.

Users rave about the sleek look of this personal finance app. The graphics and the widget-like feed make Clarity Money easy to navigate and even fun to use. 

There is also an automated savings feature on Clarity Money, which can earn you a healthy interest rate. This is a great option especially if you don’t already have an online savings account.

One of the most unique aspects is that Clarity Money will negotiate bills on your behalf. The app is completely free to use, but Clarity Money will charge you a one-time fee equal to 33% of the annual savings you receive from their bill negotiation service. It’s how they make their money. 

For example, if they lower your cable bill ten dollars a month, saving you $120 a year, you’ll only be charged $40.

Track your spending and grow your savings for free with Clarity Money


#6 EveryDollar

Every DollarEveryDollar is a budgeting tool affiliated with Dave Ramsey and is based on the principle of zero-based budgeting (a method of budgeting in which all expenses must be justified for each new period). 

Users looking for a simple, straightforward budgeting software will find this app appealing. 

EveryDollar isn’t focused on wealth management or investing. It is best suited for budgeting beginners who need help with financial organization.

Aesthetically, the app is eye-catching. Its user-friendly interface is easy to use and understand.

The pros of this budgeting app include…

  • A budgeting-only emphasis, which can help you stay focused on the one goal. 
  • Using the Dave Ramsey Approach to Debt featuring his Baby Steps for those getting out of debt. 
  • Additional help with local experts if you want advice on important financial information.
  • Ad-free service means no bombarding of ads or recommendations like other apps have.


As one of the best budgeting apps, EveryDollar is available on iPhone and Android. 

There’s a free version and a paid version of the EveryDollar program. You can try the paid version which offers more features for a 15-day trial before investing $129 a year for it.

Check out EveryDollar today!


#7 PocketGuard

pocketguardPocketGuard offers a comprehensive overview of your money situation that is regularly updated.

This on-the-go budgeting solution, for both Mac OS and Android, is perfect for side hustlers wanting to manage income and spending habits.

Highlights include tracking your income and expenses, options for creating spending limits, and setting savings goals.

To stay within budget, the Spending Limits tool alerts you when you’re nearing the overspending edge. 

PocketGuard Plus adds the bonus of allowing you to track cash transactions. This is unique in the budgeting world, where most competing apps track only what runs through financial institutions.

The free version is well stacked with great features but the Plus, which is $3.99 per month or $34.99 per year, lets you add new categories and track cash transactions.

Get started with PocketGuard free, and start simplifying your personal finance. 


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