personal finance apps - monzo

Three of the best apps to help you stay on top of your money

Do you find yourself short of cash at the end of most months? Struggle to get your budgeting right? Well, did you know that there are loads of handy money management apps out there that could do most of the hard work for you right from your phone?

Whether you’ve just started at university and need to properly manage your money for the first time or you’ve got real-world bills coming out of your ears, it’s nice to know that there’s a helping hand.

Budgeting apps can help you monitor many aspects of your personal finances like your spending habits and savings goals, while some even let you browse products like bad credit loans.

But which ones are the best to download? Well, here are three money management apps that you should consider if you’re trying to keep on top of your dough.


Chances are you know someone with a Monzo account. It’s not just a debit card and app that you can use to spend money, but it also features many handy apps for those looking to get a grip on their finances.

The app’s salary sorter will help you move your money where it needs to be as soon as you are paid, while you can set up different ‘pots’ towards savings goals and bills to make sure you don’t get left short.

Monzo users can also benefit from enjoying pay day 24 hours in advance thanks to the app’s ‘get paid early’ feature.


A tagline of ‘money management but make it sexy’ certainly sets Cleo apart from the competition.

The interface works like a chatbot, allowing you to ask questions (can I afford pizza tonight?) with a response detailing what it will mean for your budget for the rest of the month.

It’s a bot with ‘personality’ too – ask Cleo to roast you and you’ll get a bunch of banking-based replies laced with sarcasm and memes. What’s not to love?!


You might have heard plenty about the 50-30-20 budget – and its suggestion that you put 20% of your monthly earnings into savings.

But what if setting aside that chunk of cash seems daunting? Moneybox might be the answer.

This app rounds up your card spending and sets small amounts aside. Say your lunch costs £4.50 on your card, the app will take £5 and set 50p aside to save. Not only that, but the app will also invest these bits of loose change, so it could even end up multiplying in the long run!

As well as helping you see the benefits of savings, the app also acts as an introduction into the world of investing – another smart use of your money!

Hopefully one of these money management apps might be the solution you’re looking for to become a money-saving master!


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