Keep Track of Payments Apps for Different Use Cases

The number of transactions and bills of a single person seems to grow higher and higher on a regular basis, and it often becomes problematic to try and manage everything on your own. This is what keep track of payments apps exist for, providing a transaction overview, an insight to your spending habits, and all kinds of other features – and this article is about 11 of the most popular ones.


  1. Keeping track of your payments
  2. 11 apps to keep track of payments
  3. Conclusion

Keeping track of your payments

Keeping up with your own payments, finances and investments is a task that can become extremely complicated very quickly. Fortunately, in the modern world, you can find a mobile app for pretty much any purpose you can think of – and there’s an entire market of keep track of payments apps, or personal finance apps.

Budgeting as a whole has become more accessible and user-friendly with the introduction of personal finance apps, with each app having its own spin on a similar function – be it finance management without linking your own information, or budgeting for couples, and many other use cases.

It’s also not uncommon for keep track of payments apps to work in advance for your convenience – offering the ability to analyze your past transactions to predict and plan future financial decisions. There can also be automatic bill payments, credit score changes, invoice tracking, and many other features depending on a specific field the app aims to work with.

11 apps to keep track of payments

Below, we have collected ten different keep track of payment apps, each with its own specific purpose. Other than a general recommendation for regular users, this list should serve as a great example of how diversified this particular market is, with pretty much any position on the list being able to offer an unusual twist for a familiar feature.

1. Honeydue

Going for a rather unusual approach to personal finance management, Honeydue’s target audiences are mostly couples that wish for easier transparency when it comes to each other’s payments’. It offers a rather basic number of financial tracking features, such as loans, investments and bank account transactions. 

Notifications and reminders can also be provided for scheduled payments, to avoid paying fees and penalties. Another unique feature that Honeydue can provide is a joint bank account for a couple (completely optional) – the account is created in Sutton Bank, is FDIC-insured and comes with a debit card that is completely free of charge.

Honeydue is completely free and is available on both Apple App Store and Google Play Store.

2. Spendee

Moving on from a strictly couple-specific app, there’s also Spendee – another joint spending app, but this one is more about shared wallets with family or friends. The main purpose of Spendee as one of the keep track of payments apps is to offer shared expenses management within a household budget.

Spendee can categorize your bank transactions, create budgeted amounts for each specific category of payments, provide notifications for bills and similar recurring payments, and so on. Additionally, there’s also the ability to create a custom category for a special event of sorts, be it a trip or something else completely – and set up a specific budget for that category, too.

Spendee is available for both Android and iOS devices in their respective App Stores, and it has both the free version and two paid versions, offering additional features, such as automatic categorization, wallet sharing, and so on.

3. Personal Capital

Personal Capital, on the other hand, offers a bit more professional approach to your finances, with the ability to manage your spendings, reviewing your investment portfolios, and more. All of the information inside of the application is encrypted with AES-256 protocol, offering an unprecedented level of security, among many other features.

Personal Capital is also one of the few financial apps that offers both a mobile app and its desktop alternative. It can analyze your financial accounts to look for hidden payments and such, and it can even provide personal analysis from experienced advisors – although, you’ll have to have an account with over $100,000 to unlock that feature.

Personal Capital is a free application that can be found in both Google Play Store and Apple App Store.


Another specific field of spendings that needs to be covered is handled by apps like INXY – a subscription manager that offers its users the ability to track various subscriptions, notify about their expiration dates, and save money on removing unwanted or forgotten subscriptions.

INXY offers both a free version of its product, as well as the premium version – with a 30-day trial for the latter. Some of the benefits of the premium version are automatic subscription management, smart notifications with the ability to integrate into various applications, as well as the ability to integrate with various calendars.

INXY is available for free in the App Store and will be available for Android users in the near future.

5. GoodBudget

GoodBudget provides a bit of an old-fashioned spin on the topic of financial savings – with the ability to virtually divide your spendings into separate “envelopes”, with each “envelope” having its own purpose. It can be pretty much anything, from bills and fuel costs to groceries and other menial spendings.

Each and every one of these “envelopes” can be customized with specific financial accounts, income sources, spending limits, and so on. With GoodBudget, it is easy to keep track of all these “envelopes” at once with a color coordination on the main screen – with green being an acceptable state of funds, and red signaling that your spendings in this specific category are over your current limit.

GoodBudget can be found in both Apple’s and Google’s app stores, and it has both a free and a paid option, with the paid option lifting restrictions for the number of envelopes, accounts, as well as a larger number of devices to work on.

6. Mint

Earning its place as one of the most well-known keep track of payments apps on the market, Mint is a fast and secure personal finances application that specializes on Canadian and U.S.-based users. The main purpose of Mint is to analyze your spending habits to provide an accurate insight into your spending habits to provide more savings whenever possible.

Mint offers quite a lot of different features, but it’s still more about personal spendings and less about actual accounting. It can offer bill notifications, net worth calculations, as well as exactly zero access to managing your finances from the app itself – as one of many security measures that Mint has.

Mint is a free app that can be found in both App Store and Google Play Store.

7. PocketGuard

PocketGuard is another app with a similar purpose – to manage your budgets and spendings. It can even calculate the amount of money you would have left after retracting all of the recurring payments, such as bills, long-term financial goals and even debths.

Simplification for your expenses and income is the main goal of PocketGuard, with its ability to have all of your financial accounts in one place for an easy overview of everything you have. The app can even provide you with potentially useful deals for all kinds of services, after getting your profile information and some of the most basic details about your regular spending habits.

PocketGuard’s app is free and can be installed on both iOS and Android devices, but it also has a paid service with several additional features.

8. Fudget

Fudget would be an odd person on this list of keep track of payments apps, since it’s one of the few that does not offer a feature of synchronizing your financial accounts with an app – it’s your classic financial calculator, for all intents and purposes.

Fudget still gives you the ability to track your finances and create lists for specific purposes, but you would have to input everything manually, which is a nice safety feature, but might seem rather inconvenient for some users.

Fudget is available for both iOS and Android for free, and it also offers a one-time upgrade to the Pro version with multiple additional features.

9. EveryDollar

As the name suggests, the purpose of EveryDollar is to give each and every dollar in your budget a purpose – based on a popular “zero-based budget” method. It can import transactions from your bank to offer spending overview, as well as the amount of money left to spend.

It is also one of those few apps that has both a mobile and a desktop version, with the desktop one being offered as the web version. It can also provide you with all kinds of financial planning advice via one of the company’s money management experts.


EveryDollar is available for Android and iOS-based devices, offers a free trial and several different tiers of subscription with a variable feature set.

10. YNAB

YNAB is an abbreviation of a rather telling name – You Need a Budget. It is an app that keeps track of your payments and helps with gaining control over your personal spendings. There are transaction importing, budget categories, and many other features for your financial management purposes.

YNAB also offers detailed reports on your spendings and suggests places when you can improve the situation in some way. It offers a free trial for its first month of usage, and it can be found in both App Store and Google Play Store.

11. Prism

Prism is the last, but not the least participant of this list, offering all kinds of finance-related features for your personal spendings. It can be used to acquire complete control over your personal spendings, no matter how widespread and sporadic they might seem.

Prism can also be used to keep track of your bills, by sending you notifications when each of those bills is due, which tends to drastically decrease the number of late payments and subsequent fees. It is possible to pay the bills using the app, as well, with the system of scheduled payments.

Prism is provided for free and can be found in both Google Play Store and Apple App Store.


The market of personal finance applications is quite large in its scale, offering apps for all kinds of use cases, from the most mundane to the most specific ones. This list should serve as a great reference of what to look for when searching for a specific type of personal finance app.

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