If you’re an Android user in 2022, you’ve got a huge wealth (no pun intended) of finance apps to choose from. Whether you’re looking to build a new budget for yourself or look after your spending better, there’s almost certainly an option for you in the Google Play Store. With so many options, though, it can be difficult to know which apps are worth downloading and which ones you should leave alone. We’re here to help you with that decision. Here are the best finance apps you can download for your Android device in 2022.
By connecting Emma to your bank accounts, you can give it an idea of your spending trends. It will recommend decisions you can make to save money, including cutting back on bills, cancelling subscriptions, and more. Let’s say you’ve got some £500 loans you want to manage. Emma can keep track of your repayments on those loans and make suggestions to help you repay the loans more promptly. It’s a great app with a clean interface and an intuitive navigation system.
Much like Emma, Snoop offers the chance to examine your expenditure and income and try to optimise your spending. However, this app is based around the titular Snoops, which are bargains that the app spots to help you control your spending. Like many finance apps, you’ll need to connect your bank account to Snoop, but don’t worry; it only wants read access and can’t actually spend money for you. Once you’ve connected your account, Snoop will look for ways you can improve your current spending patterns.
Keeping track of your spending is all well and good, but what if you want to use your phone to make a little money? That’s where Swagbucks comes in. You can use Swagbucks to fill out all kinds of surveys, many of which will result in financial return if you complete them. Of course, the returns are fairly small, but Swagbucks is free to download and engage with, so eventually, you’ll make a profit, however incremental it might feel at first.
Unlike many of the other options on this list, Money Dashboard comes complete with a web browser app as well, which is perfect if you often check your budget on your computer. Never fear, however; there is also an excellent Android app available for Money Dashboard, and it does exactly what you’d expect it to. This app tracks your spending, makes suggestions for you, and detects your bills and subscriptions so it knows exactly what’s coming out of your bank account each month.
No, we’re not kidding. The Calculator app might be pre-installed on a lot of devices, but it’s actually a great way of budgeting and tracking your finances. Of course, Calculator can’t connect to your bank accounts or read your spending in a smart way, but you can use it for any calculations you might want to make. If you think the default Google Calculator app is a little basic, then there are plenty of alternatives on the Play Store you could check out instead.
If you live with a partner, then Honeydue is perfect for you. This app is a great way to stop those financial arguments in their tracks; when you can see exactly how your money has been spent and who owes who, then you won’t need to argue over those details anymore. Money is one of the most common reasons for couples to disagree, but using Honeydue, you can see a detailed breakdown of your spending, manually input expenditures, and even chat to one another about money.
Sometimes, you might want to use a finance app that doesn’t track or connect to your bank accounts. That’s where Budget by Koody comes in. This app doesn’t feature any kind of integration with your bank accounts, which means you’ll have to input everything you’re earning and spending yourself. However, if you’re worried about security, this is a great option. All you need to do is make sure you’re being totally honest with yourself about what you’re spending and what you’re bringing in.
Monzo is a somewhat unique option on this list in that it’s a bank that also tracks your spending habits. You can think of Monzo as a hybrid of online banking and finance management; you can view all of your accounts on the app, of course, but it will also make recommendations for you based on spending analysis. Since Monzo is a bank, you’ll also get the same perks you’d get with other banks; free spending, a card to call your very own, and instant sending of cash to other Monzo users.
Revolut is an all-singing, all-dancing finance management app that features functionality for pretty much anything you might want to do in relation to your money. Not only does it allow you to track spending and income, but it’s also a great way to start investing in cryptocurrency, as it features more than 30 currencies for you to check out. You’ll also find smart spending predictions on Revolut; it will take into account your current spending patterns and predict your spending for the future.
If you’re happy to pay a small subscription fee for your finance management, then Moneyhub is the app for you. If you download it, you’ll get the first six months free, but you’ll then have to pay a 99p-per-month subscription fee, which is pretty reasonable in our books. You can also pay £10 to get an entire year’s subscription if you prefer. Moneyhub believes you are “the customer, not the product”, and their clean, sleek interface and range of financial tracking options reinforces that notion.