When it comes to managing your money, there’s a lot of factors to consider and expenses to keep track of, so it’s understandable that many consumers find the process difficult.

Open banking and online banking apps for UK bank account holders have made things easier, but these solutions aren’t always ideal.

Thankfully, there are many ways that you can easily manage all of your bank accounts in one place and potentially save yourself money by understanding and cutting your monthly cost.

Using a money management app, you can see how much money you’re spending every month, learn about your spending habits and potentially cut costs.

If you’re looking for the best money management apps in the UK, then we’ve got a list that could help you to find the best personal finance app to meet your needs.

This blog post should help you to find the best budgeting app available in the UK today. All of the budgeting apps on this list require a quality smartphone and enough data to make the most of them wherever you are and whatever you’re doing.

Money Dashboard

Money Dashboard is perhaps one of the most well-known apps to help you manage your money and set a budget that you can stick to and will allow you to set money aside for the things you love.

The tool allows you to create custom groups, such as a small amount of money set aside to pay for a specific event or expenditure.

With this highly customisable and innovative app, you can save money and make managing your finances simple and straightforward.


It might sound like the name of your friendly neighbour, but Emma is also an innovative budgeting app.

The app allows you to link all of your accounts, credit cards, subscriptions and other spending, then offers you practical advice.

As such, it’s a great app to help you to reduce wasteful subscriptions and understand how you’re spending your money and where you could improve your finances.

It offers a fun way to track your finances and save money, making this great if you’re not very financially savvy and are unconfident about getting financial advice from an app.

The standard version of Emma is free, with an option to pay a yearly subscription for additional services so that you can make the most out of this app.


Yolt is an innovative app that allows you to keep all of your accounts, including your current accounts, savings accounts and others, on one handy, easy-to-use dashboard.

The app takes things even further by allowing users to set up a pre-paid debit card, which you can use to make everyday spending easier and see where your money is going.

With this solution, you can reduce your spending on credit cards that charge an interest rate and manage all of your bank accounts in one place.

If you’re unsure if your current phone provider can give you a good deal on your data, then consider checking out a flexible SIM-Only deal.

With these deals, you’re not tied to a contract and can upgrade or cancel your plan as required. If you need slightly more data during one month, then you can use our add-ons to ensure that you can always use your budgeting app.

Hopefully, this list of the best budgeting apps on offer in the UK currently should help you to track your spending and achieve your savings goals.