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If you have trouble keeping track of all your bills and expenses, you’re not alone. In fact, over 30% of Americans don’t have any household budget whatsoever. It’s no surprise that so many are deeply in debt and don’t even have $1,000 on hand for emergencies. It doesn’t have to be that way, however. Thanks to technology, it’s easier than ever to manage your bills and pay them all in time. Hundreds of apps exist that you can use to track monthly expenses and get a solid grip on your finances. Here are six of the best bill management apps you should check out.
If you want to get better at tracking your bills and paying them on time, Prism is a great app to utilize. Prism, available for iOS and Android devices, is an app dedicated solely to bill management. This app will link to accounts such as your insurance, credit cards, mortgage, utilities, and other bills you have, and it will send you reminders when they’re due. You can also link Prism to your bank accounts to pay those bills in a matter of seconds. Between Prism’s intuitive user interface, its reminder and messaging system, and the ease with which you can use it to pay bills, this app will ensure you manage your bills well and pay them all on time.
If you have trouble tracking your spending and want to put your bill management activities on autopilot, the PocketGuard is a great app for you. This app, available for iOS and Android devices, will ensure you know how much cash you have available in your account right now; the app’s graphic interface is geared toward keeping track of how much money you have on hand at any given time, so you don’t overextend yourself. It also has a no-nonsense interface that will help you manage your bills more effectively. PocketGuard will also look for opportunities for you to achieve cost savings to lower some of your key bills.
Mint, which is available on iOS, Android, Windows Phone, and Amazon devices, is one of the best, most comprehensive personal finance apps out there. Mint easily connects to all your bank and financial accounts and pulls that data into the app. You can create a budget and manage your finances easily with Mint’s intuitive user interface. The app will create reports for you and help you gain a better understanding of how much you’re earning, spending, and investing. Mint will make bill management easier since you’ll know what you owe and how much you’ve paid on all your key monthly expenses.
YNAB, short for “you need a budget,” is the best bill management app for people who are trying hard to get out of debt. YNAB is available for iOS and Android devices and is available on Amazon’s Alexa as well. This great app makes you set key budgeting goals, such as getting out of debt, and closely tracks those goals for you. It will even provide you suggested budgeting and bill-paying goals to help you improve your overall financial situation. YNAB is web-based, and you can use it across a wide variety of platforms as you attempt to meet your goals. The app also includes a blog and virtual classes, all aimed at helping you improve your finances.
If spreadsheets and lists aren’t your thing, you may want a bill management app that helps you visualize your finances more effectively. Mobills, available on iOS, Android, and Windows Phone, lets you pull all your financial accounts and expenses into the app, where you can create budgets and set goals. Where Mobills really stands out from the crowd, however, is with its simple yet powerful graphic interface. The app creates visuals that help you understand how you’re saving, spending, and investing that are much easier to understand than tables and numbers alone. You can use these powerful displays to improve your personal finances and manage all your bills more effectively.
Spendee is the best bill management app for shared expenses. If you have bills that you pay a portion of with other people, such as a spouse, roommates, or family members, this could be a great app to help keep track of your expenses and ensure everyone pays their fair share of them. Spendee, available on iOS and Android devices, has many of the same great features of many of the financial apps discussed previously. However, this app allows you to create shared wallets with other people, so you can easily manage and pay joint bills together. Spendee will let you deal with shared expenses while keeping your financial data safe at the same time.
Leverage Technology to Manage Your Bills
Thanks to our mobile devices, bill management is easier than ever. Personal finance apps such as the ones discussed here can help you visualize all your bills and ensure you pay them on time, often with just the swipe of a finger. Some of these mobile apps can help you find ways to save money on bills or split them up amongst different people who are sharing expenses, too. So, check out all the apps mentioned here when you have the opportunity. You’ll likely find one that will help you manage your bills more effectively and put you on sound financial footing.