ave you ever made a budget? How easy was it for you?  For most people, budgeting is not something that comes naturally. In fact, many people give up along the way because the whole process is long and tiresome. Luckily, there are budgeting apps out there that can help you get this unpleasant task done.

Best of all, they can also make sure that you follow your budget to the letter. So if you have lost your job and are looking to save some money or need to start budgeting, here are some budgeting apps that can help you out with that.

6 budgeting apps to try

You Need a Budget (YNAB)

“A personal budget is a manifestation of your decision to grab your finances by the balls”
Money Tree Man

This budgeting app allows you to account for every last cent of your paycheck and know where your money is going- from spending on essentials to paying off debts. With YNAB, you can create a budget that works for you using only the money you have.

It also has an accountability assistant that helps you to stay on track when it comes to your finances. Also, premium versions of the app will enable you to access other resources, such as practical budgeting tips and free workshops.

It is available on both Android and iOS devices or your desktop. The first 34 days are free, after which you can sign up for $11.99 monthly or $84 per year.


This free app can be connected to all your banking accounts to help you know how much money you can spend at any given time. It can help you when budgeting after a job loss to know exactly how much money you have for all essential spending. You can keep track of every cent daily, weekly, or monthly using the app. The app is available on both iOS and Android platforms.


Have you ever wanted to track your bills and get real-time updates on every transaction you make? Mint is a free budgeting app that will help you to do this and more. It also lets you know when your maximum spending limit is reached and gives free credit scores.


Wally is a free app and will allow you to keep track of your house expenses as well as joint account expenses. It will also help you keep your finances organized, especially after a job loss. It can also track foreign transactions. All you need to do is take a photo of your receipts instead of manually adding that expense to the app. The app is available in iOS and you can download it here.

Clarity Money

This free app lets you link up all your accounts and set a budget that allows you to track expenses across different categories. It also helps you to manage your subscriptions and cancels any that you are no longer using. What better way to reduce your expenses than stopping subscriptions you no longer need?


If you’re taking care of family expenses after a job loss, you might want to try out the envelope system offered by this app. This works by manually adding certain cash amounts to your app account and assigning specific spending categories, also known as envelopes.

Different devices can access one account, so you can share this budgeting tool with other family members. The free version only allows two devices to share one account and envelopes. However, you can get more flexibility and a lot of perks with the Plus subscription at $6 monthly and $50 yearly.

Why you should start using budgeting apps

In the best of times, budgeting is not fun to do or comes easy to many people. After a job loss, there may be too much on your mind to create an effective budget. Using budgeting apps will automate most of the processes for you and allow you to find time to focus on other important things. Most budgeting apps also come with great resources that will help you to manage your money better and ensure that you’re not spending on unnecessary things.

A budget is an essential component of living and saving some money. If you’ve spent a long time trying to come up with one that works for you with nothing to show for it, try out any of these budgeting apps today and see the difference.

Read more on how to start budgeting here


Disclosure: The information provided to my readers is genuine and precise to the best of my knowledge. The links provided in this article do not belong to any affiliate partners and I am not paid for them.


  • Marlow marion

    August 4, 2020

    This is so insightful and opportune as I am looking for a Budget App. I am on the second month of tracking my expenses and been doing it manually in my money journal. Thank you!


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