Ứng dụng Ngân sách Tốt Nhất Giúp Bạn Quản Lý Tiền Bạc

## Ứng dụng Ngân sách Tốt Nhất Giúp Bạn Quản Lý Tiền Bạc

Một ngân sách là điều cần thiết nếu bạn muốn kiểm soát tài chính của mình. Và bạn không cần phải dành quá nhiều thời gian – hoặc phải tính toán nhiều – để lập một ngân sách. Các ứng dụng ngân sách sẽ làm tất cả những công việc tẻ nhạt cho bạn, đồng bộ với tài khoản ngân hàng của bạn để bạn có thể theo dõi chi tiêu, điều chỉnh mục tiêu tài chính và tìm cách tiết kiệm.

Ứng dụng ngân sách nào bạn nên sử dụng? Điều đó phụ thuộc vào phong cách ngân sách và tình hình tài chính của bạn. Nhưng để giúp bạn lựa chọn, bài viết này sẽ xem xét một số ứng dụng ngân sách hàng đầu, đánh giá ưu điểm và nhược điểm của từng ứng dụng, giúp bạn đưa ra quyết định sáng suốt.

(Phần này cần được bổ sung với nội dung đánh giá chi tiết từng ứng dụng. Ví dụ: liệt kê một số ứng dụng phổ biến, mô tả chức năng chính, điểm mạnh, điểm yếu, đối tượng người dùng phù hợp của từng ứng dụng. Cần có sự so sánh giữa các ứng dụng để người đọc dễ dàng lựa chọn.)

Ví dụ:

* Ứng dụng A: Ưu điểm: Giao diện thân thiện, dễ sử dụng; Tích hợp nhiều tính năng phân tích chi tiết; Đồng bộ hóa tốt với nhiều ngân hàng. Nhược điểm: Phiên bản miễn phí có giới hạn tính năng; Có thể chậm khi xử lý dữ liệu với nhiều giao dịch. Phù hợp với: Người dùng mới bắt đầu làm quen với việc quản lý ngân sách.

* Ứng dụng B: Ưu điểm: Chức năng lập kế hoạch tài chính mạnh mẽ; Cho phép thiết lập mục tiêu tài chính dài hạn; Có tính năng cảnh báo chi tiêu vượt quá ngân sách. Nhược điểm: Giao diện phức tạp hơn; Yêu cầu kiến thức tài chính cơ bản. Phù hợp với: Người dùng có kinh nghiệm quản lý tài chính, muốn lập kế hoạch chi tiết.

* Ứng dụng C: Ưu điểm: Hoàn toàn miễn phí; Tính năng cơ bản đầy đủ; Dễ dàng chia sẻ ngân sách với người khác. Nhược điểm: Ít tính năng nâng cao; Không tích hợp với nhiều ngân hàng. Phù hợp với: Người dùng có nhu cầu quản lý ngân sách đơn giản, không cần nhiều tính năng phức tạp.

(Phần này cần được bổ sung với các lời khuyên bổ sung về việc lựa chọn và sử dụng ứng dụng ngân sách.)

Cuối cùng, việc lựa chọn ứng dụng ngân sách phù hợp phụ thuộc vào nhu cầu cá nhân của bạn. Hãy cân nhắc kỹ các yếu tố như tính năng, giao diện, giá cả và khả năng tích hợp với các tài khoản ngân hàng của bạn trước khi đưa ra quyết định. Việc quản lý tài chính hiệu quả là một quá trình dài hơi, hãy kiên trì và tìm ra phương pháp phù hợp nhất với bản thân mình.

#quảnlýtiềnbạc #ngân sách #ứng dụngngân sách #tiếtkiệm #tài chínhcá nhân #tài chính #tiềnbạc #app #phầmmềm #quảnlýchi tiêu

A budget is a must-have if you want to get control of your finances. And you don’t have to spend a ton of time — or do a ton of math — to make one. Budgeting apps do all the tedious work for you, syncing with your bank accounts so you can track your spending, tweak your financial goals and find ways to save.

Which budgeting app should you use? That depends on your budgeting style and financial situation. But to help you narrow down your options, here are the top ones we recommend.

Best budgeting apps

Data accurate as of April 4, 2025

Like

• Affordable
• Easy to use
• Savings goals
• Credit score and net worth tracking
• Bill negotiation and cancellation services

Don’t like

• Free version is limited
• No debt playoff planning features
• No investment tools
• Fees for bill negotiation

Rocket Money is great for anyone who wants a simple budgeting experience. It has all the features you need to do basic budgeting, plus some advanced ones to help you manage your overall financial situation.

Rocket’s app and desktop platform are intuitive and easy to navigate and it offers a lot of notifications and reports to help you stay on top of your budget, including bill increase alerts and monthly spending reports. You can also set up automated transfers to your savings account to make saving a breeze.

The free version is pretty barebones but you can get the premium version by paying anywhere from $6 to $12 monthly — your choice. You get the same features regardless of how much you pay. Rocket also offers bill negotiation, which costs 30% to 60% of your first year’s savings (you choose the amount), and subscription cancellation. 

As a former Mint user, I tested several popular budgeting apps and found the paid version of Rocket Money to be the best replacement for Mint’s in terms of features, user experience and accessibility to the average budgeter.

Full Review.

Like

• Long trial period
• Savings goals
• Zero-based budgeting approach
• Educational resources
• Account sharing with up to 5 people
• Loan payoff planner
• Spending and net worth reports

Don’t like

• Pricey
• Zero-based budgeting may be tedious for some users
• Doesn’t identify ways to cut costs

You Need A Budget is meant for people who like to sweat the details. Its zero-based budgeting strategy encourages you to give every dollar a job, assigning all income to categories you set — such as specific bill payments and savings goals — to avoid overspending. For example, if you want to save for a future vacation, you’ll need to set that as a goal and assign money to it every month.

At $15 a month or $109 a year, YNAB is pricey. There may also be a learning curve as the app offers more complexity in terms of organizing and analyzing your budget. The 34-day trial should help you decide if the monthly fee is worth another line item in your budget.

Full Report.

Like

• Automated savings
• Bill payment tracker
• Debt payoff planning
• Bill negotiation
• Account sharing

Don’t like

• No free trial
• Limited free version
• Cluttered desktop interface

PocketGuard is another option that allows you to track your spending based on categories. It’s designed to help you control your spending and focus on savings goals. Linking the app to your accounts automates the tracking process. The app tracks subscription services and flags potential money wasters to help you save.

It has useful features that suggest lower-cost services based on your profile settings, maximizing the money in your pocket. It also offers bill negotiation through Billshark, which costs 40% of the amount it saves you for two years if it’s successful.

The free version offers basic features, including budgeting tools, spending reports and expense tracking. For $13 monthly or $75 yearly, you can create multiple budgets and custom budget categories, unlimited savings goals and a debt payoff plan.

See at PocketGuard.

Like

• Detailed approach
• Financial roadmap
• Group coaching
• Affordable annual plan

Don’t like

• Time-consuming
• Limited free features
• Pricier monthly plan
• Data sharing with third parties

Popular personal finance speaker and author Dave Ramsey launched the EveryDollar app to help fans of his money philosophy follow his “Baby Steps” out of debt and toward financial freedom. Using the zero-based budgeting approach, you categorize your expenses before the month begins, assigning all of your take-home dollars until there’s nothing remaining.

EveryDollar’s free version allows you to create and customize your budget, manually track expenses and sync data across multiple devices. The Premium plan allows the app to connect to bank accounts and dynamically track spending, plus gives you access to group coaching calls with financial experts. It also offers a financial roadmap to track your net worth, progress toward retirement goals and Baby Steps milestones.

However, you’ll still need to manually categorize your transactions; the app won’t do it for you. That’s because it aims to make you “feel that money leaving (y)our account.” And at $18 per month or $80 per year, it’s one of the priciest apps on our list.

Note: A recent upgrade has prompted some users to complain about the app’s responsiveness. The Ramsey Solution organization has been working on bug fixes but users continue to experience problems. 

Full Report.

Like

• Simple interface
• Debt payoff planning
• Full refund if cancelled within 30 days

Don’t like

• Limited free version
• No external account linking
• Lack of customization and features

Building a budget for the first time can feel overwhelming. Goodbudget breaks it down using the envelope method of budgeting, a decades-old financial strategy that splits your income into separate envelopes or categories. For example, you might have envelopes for rent, bills, groceries, gas, nonessential purchases and savings.

Goodbudget lets you employ this method digitally. You choose envelopes from a list of predesignated goals and deposit money into them every month. With the free version, you can choose from 10 preset envelopes — you can’t design your own. The Plus version allows you to create an unlimited number of envelopes for $10 per month, as well as enjoy expanded features such as unlimited accounts and a longer transaction history. There’s no free trial but you can get a full refund if you cancel within 30 days.

If you’re looking for help sticking to a spending plan, Goodbudget’s easy user interface, preselected goals and visually pleasing envelope method can help you create good budgeting habits. The biggest downside is that it doesn’t link to external accounts — you must manually input each transaction. This can help you get a better idea of just how much you’re spending each day but some users will find it tedious.

See at Goodbudget.

Like

• Savings goals
• Projected cash flow
• Lots of custom reports
• Budget sharing
• Combined account dashboard
• Investment, net worth and refund trackers

Don’t like

• No free trial
• No monthly subscription option
• Overwhelming interface
• Confusing to navigate

Quicken Simplifi is the other budgeting app on our list that doesn’t offer a free version — and unlike YNAB, it doesn’t offer a free trial to test it out. Quicken is known for personal finance software and has distilled its decades of experience in the personal finance arena down to a handy budgeting app. Simplifi targets users who have complex financial lives with tools that create custom plans based on income and expenses.

Like most budgeting apps, Quicken allows you to create and monitor your budget, track spending and link multiple accounts across one main dashboard. The app offers a helpful snapshot of your bank accounts, top spending categories, spending watchlists and historical patterns. The projected balances tool uses recurring transactions to estimate your balance over the coming 30 days.

Some users may find Simplifi’s wealth of information and customizable reports overwhelming; there is a bit of a learning curve when it comes to navigating it all. But if you want to dive into multiple aspects of your financial life from your investments to your net worth, it offers a lot of ways to do so in one platform.

Full Report.

What to look for in a budgeting app 

Which budgeting app is best for you depends on your needs and preferences but in general, look for an app that:

• Is easy to use
• Provides a variety of tools and features
• Links to your existing accounts
• Is affordable
• Offers a free trial
• Has good customer reviews

What is a budgeting app?

Budgeting apps provide a way to keep track of your income and spending in one place. Most budgeting apps connect to your bank and track your spending, bills, due dates and other key information to help you stay on top of your finances. The best budgeting apps also have features that help you establish savings goals and monitor other aspects of your financial life, such as your credit score or net worth.  

How do budgeting apps work?

A budgeting app is a software program that helps you track your expenses, income and spending and draft a budget from the convenience of your mobile device, tablet or computer. Most budgeting apps sync to your bank accounts so you can automatically monitor your activity in one place. The best budgeting apps also provide snapshots of your financial history, help you make savings projections and assist with other goals, such as paying off debt. 

Is a budgeting app worth it?

Budgeting is one of the best ways to get a handle on your finances and a budgeting app can help make it easier. But it’s ultimately up to you to make the appropriate changes to improve your finances. A budgeting app can’t hold you accountable at the end of the day but it can help you stay organized and make a long-term plan. 

Is it better to pay for a budgeting app or use a free app?

If you can find the features you need in a free app, start there, especially if you’re trying to save money. There’s no need to add an additional expense if a free app provides the services you need. If you need more than a free app can provide, start with a trial plan to a paid app so you can get a feel for the app before committing.

What are the alternatives to budgeting apps?

Google Docs provides free monthly budget templates that are handy if you’re interested in a no-frills, basic system that’s easy to set up.

Some banks also provide budgeting software along with their digital banking platform. Capital One’s mobile app allows you to categorize expenses and create separate savings accounts to track different goals. H&R Block’s banking app, Spruce, has a check register view that allows you to easily monitor categorized expenses, work toward established savings goals and automate savings transfers.

You can also take advantage of financial coaching or investment planning services. Some banks or credit unions, such as Alliant Credit Union, offer financial services if you open an account.

Tips to use your budgeting app effectively

To make the most of whichever budgeting app you choose, keep some key tips in mind:

• Be realistic. A budget has to work for your life or it’s doomed to fail. While it can be good to challenge yourself — for instance, to spend less on takeout — be honest about your needs and priorities. Cut back on what you can, leave some room for joy and find ways to boost your income if needed. The more realistic your budget is, the more likely you are to stick to it.
• Review it regularly. Log into your app regularly to see how you’re doing. Have you overspent in one category? Are your savings on track? This can help you make any adjustments you need to stay on track for the rest of the month.
• Set up alerts. Many apps offer notifications to help you manage your money better, such as telling you when a monthly bill has gone up or when you’ve almost hit your limit in a spending category. Enabling these can help you stay on track and alert you to potential issues before they derail your budget.
• Tweak as needed. Your budget should change with your needs. In addition to reviewing your spending regularly, set aside time now and then to review your overall categories and goals and make sure they still fit your situation.

Making and sticking to a budget each month is essential if you want to gain control of your spending habits and reach your financial goals. A budgeting app is a useful tool to help you with this. There’s a plethora of great options available, free and with a subscription. Determining your needs and budgeting style will help you narrow down the best fit for you.

What is zero-based budgeting?

Zero-based budgeting is a technique that requires you to create a new budget each month and identify how each dollar will be spent until you reach $0. With this strategy, you look at all potential expenditures in the upcoming month instead of making adjustments to a previous month’s budget.

How we tested budgeting apps

Our banking editors test and rate budgeting apps based on first-hand experience and product features. We consider the user experience, interface, support options and overall value compared to the price of each budgeting app. We also evaluate key features, including the ability to set savings goals and connect to external accounts securely.

More on budgeting

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