12 Top-rated money management apps for couples

Everyone needs to have a financial plan at hand. Financial planning is the starting point for successful economic growth, and it helps you deal with situations and conditions in which there is an emergency need for finances.

However, financial planning is easier said than done. Budgeting and tracking can be challenging, requiring constant time management and dedication. This is where money management apps come in.

Money management apps help you plan out your budget and track your finances. They are valuable tools that allow you to track your spending and cash flow near-daily. This article explores some of the best money management apps available in the market.

1. Sunrise

sunriseSunrise by Lendio is a user-friendly money management app for small business owners. It integrates accounting, loan and credit information, and cash flow management. You can connect your bank account to the software and import your expenses and income, and the software gives accurate reports and invoices.

The app is user-friendly and makes easy-to-read and accurate profit-loss statements and balance sheets.

Sunrise has a two-tier payment system.

The free self-service plan has low payment processing fees. Sunrise manages income and expenses and generates your Profit and Loss. It also sends invoices and quotes.

The Sunrise Plus plan has all the free options, personalized cash flow insights, and alerts. It can send custom invoices and quotes. This plan also auto-categorizes expenses and has payment integrations with apps like stripe, square, and Paypal.

Sunrise is an app available on Insiderapps.com

2. HomeMoney

homemoneyHomeMoney is an online money management app that will help you control your budget and expenses. It allows you to learn about your business or your household income and where your expenditure is happening.

The app is tightly integrated with iHomemoney.com. The money management app has advanced budgeting and expense tracking. Both small businesses and individuals can use the app.

Another great thing about this app is that it is available in five languages, i.e., English, Italian, Spanish, Russian, and Ukrainian.

HomeMoney has two pricing plans. The Start version gives you ten categories, three accounts, one currency, and ads. In comparison, the Premium account gives you an unlimited amount of categories, accounts, and currencies. It also has budget planning.

HomeMoney is an app available on Insiderapps.com

3. Buxfer

buxferBuxfer is a top-notch online financial planning app. It helps you with budgeting, investments, forecasting, retirement planning, and more. It gives you insights and real-time alerts on when you exceed your spending limits. It is a great app as it alerts you when your bills are due. This way, you will never be late on your bills ever again.

Buxfer even lets you track different accounts in different currencies. Furthermore, users can also upload their bank statements on the app directly from the bank or other softwares.

Buxfer has a three-tier pricing plan.

The Plus plan, which is $4.99 per month, gives you unlimited accounts, budgets, reminders, and rules. The Pro plan includes everything under the Plus plan, forecasts, intelligent alerts, information on the top movers, and a timeline. It comes at the price of $5.99 per month. The Prime plan has all the options under the Pro plan. It goes one step ahead to include information about investments, a retirement planner, access control to other parties, and, most importantly, backups.

Buxfer is an app available on Insiderapps.com

4. Xero

xeroXero is a money management app for small businesses, accountants, and bookkeepers. It has more than twenty features that help you manage your finances.

Xero lets you track and pay your bills on time. It lets you get a clear overview of payable accounts and cash flow. Furthermore, it even lets you claim your expenses and captures costs to submit and reimburse expense claims.

Another great feature of Xero is that it helps you track your projects. It keeps track of the costs and profitability of a project with its inbuilt project and job tracker software.

Xero has three pricing plans. The Starter plan at $22.00 per month lets you send quotes and 20 invoices, enter up to 5 bills, reconcile bank transactions, and capture bills and receipts with Hubdoc. The Standard plan ($35.00 per month) has all the options under the Starter plan and bulk reconcile transactions. It lets you send unlimited bills and quotes. Finally, the Premium plan at $47.00 per month has all the features mentioned earlier and includes multiple currencies.

Xero is an app available on Insiderapps.com

5. Divvy

divvyDivvy is an all-in-one expense management software that combines smart card technology and modern software for an effortless management experience. It has a variety of different features. One of the unique features of Divvy is that it comes with its smart card. With Divvy, everyone in your business can have a company card risk-free. All you need to do is pick a budget and swipe your Divvy card.

The cards are risk-free as you can overlook and control every employee’s access to funds, budgets, and credit limits.

Another great feature of Divvy is Business management. It helps you access the funding you need, no matter how big your business is. It also allows you to initiate applying for a credit line.

Furthermore, as mentioned before, unlike other innovative card services, Divvy is entirely free.

Divvy is an app available on Insiderapps.com

6. Melio

melioMelio is a free vendor/bill payment service app made for businesses. The free app makes it easier to run your business, lets you make multiple payments at once to save time, and even lets you pay by credit card to collect points. Users describe it as a Venmo for businesses.

Another great thing about Melio is that it lets you pay vendors worldwide. Your vendors can be situated in the US or even outside of it.

It can sync with accounting software like QuickBooks, FreshBooks, and more to simplify bookkeeping and taxing.

Melio is an app available on Insiderapps.com

7. Shoeboxed

shoeboxedShoeboxed is a finance tracking software app that helps you and your business turn paper bills and receipts into organized, technological data.

You can scan your bills and receipts with the mobile app available in the Apple App Store and the Google Play Store. After uploading all your bills onto the software, you will now see the most critical data from your invoices and receipts in one systematic place. All you need to do is click on an expense to see the fully scanned image of the bill.

The app even provides standard categorizations that you can cater to your own needs. You can even export all your data at any time, including the scans of your bills.

Shoeboxed is an app available on Insiderapps.com

8. KashFlow

kashflowKashFlow is a cloud accounting software targeted at small businesses. It provides you with a convenient and affordable system that is exceptionally user-friendly. It is excellent for people with little to no experience using accounting software. Even industry experts love the app.

KashFlow is packed with features that can help business owners sort out their finances quickly. With KashFLow, you can automatically update your VAT and directly submit it to the IRS, and it even has online payment features. The app allows you to share now with your accountant for easy management.

KashFlow has three pricing plans. The Starter Plan for $11.33 per month lets you send unlimited quotes & 10 invoices. It also lets you reconcile up to 25 bank transactions. But it is a single-user account. The plan also enables you to manage and submit VAT online. The Business Plan has all the features of the Starter plan but includes multi-currency and repeat invoices & purchases. It is for $22.65 per month. The Business + Payroll Plan has all the features of the Business Plan and includes payroll for up to 5 employees. It is for $30.21 per month.

KashFlow is an app available on Insiderapps.com

9. Wave

waveWave is an online, all-in-one money management app for small businesses. It focuses on accounting, invoicing, bookkeeping, budgeting and report generation, and payroll for small businesses. It helps you stay organized ahead of tax season.

The app even has in-house bookkeeping, accounting, and payroll coaching team. It gives you a complete picture of your business health, wherever and whenever you are.

It has a user-friendly dashboard built for you, not your accountant.

Wave is an app available on Insiderapps.com

10. TaxDome

taxdomeTaxDome is a simple, powerful workspace that helps you manage your practice, including your clients, jobs, documents, and teams. It is an automation software made especially for the tax and accounting industry. It allows you to automate processes and have a clear vision of your work to ensure that nothing slips away from you.

TaxDome has ready-made templates for bookkeeping, tax returns, payroll resolution, resolution, and more. It even lets you create your own customizable, repeatable business to take your business to the next level.

TaxDome is an app available on Insiderapps.com

11. Anaplan

anaplanAnaplan is a web-based business-building platform. It is mainly for fast-growing large companies, and Anaplan helps out such companies by providing a platform for their sales, finance, and operation units.

Leading companies worldwide, like TATA Steel, Vodafone, Adobe, etc., use Anaplan for their businesses. With its exclusive HyperBlock technology, it helps firms undertake educated and well-informed plans, and it also allows them to create more efficient planning processes. With Anaplan, you can contextualize your company's real-time performances and make predictions for better decisions in the future.

Anaplan is an app available on Insiderapps.com

12. Easy Accountax

easy accountaxEasy Accountax is a tax accounting app that manages your accounting, inventory, Payroll, Billing, Banking, and tax preparation.

The app is easy to use and very user-friendly. Even beginners with a basic understanding of accountancy can use it with ease. It does not matter if you are accounting for your business or yourself; Easy Accountax is your one-time solution.

Easy Accountax gives you a real-time view of your business’s cash flow, expenses, profits, losses, etc. The app's dashboard gives you a glance at your finances and other financial aspects of your business.

You can easily upload your receipts to the software by simply clicking a photo of it. It makes it easier to handle personal finances.

Easy Accountax is an app available on Insiderapps.com


In conclusion, money management apps are great tools when you have your own business or even your household finances. With the help of these money management apps, you can keep your finances under control, save money, and strategically invest in planning your future.

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