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How do you manage your money? Do you manage your money at all? From writing down your expenses to setting up Excel spreadsheets, there are countless ways to stay on top of savings and spendings.

But, we are in the digital age now. Everything is at our fingertips.

More and more Australians are using money management apps for their convenience of use and accessibility.

Continue reading to learn more about these money management apps, designed specifically for Australians.

Let’s take a look at the 10 best money management apps for Australians

1. Your bank’s app

Cost: Free

Availability: Android and iOs

Manage your money, check your balance and pay your bills on the go and more with your bank’s app.

2. Pocketbook

Cost: Free

Availability: Android and iOS

Pocketbook is an Australian budgeting app that allows you to track your expenses to work out your monthly spend. You can set spending limits to help you stick to your budget.

The best feature of this app is that it connects to your bank so that you can track income and expenses automatically.

3. TrackMyGoals

Cost: Free

Availability: Android and iOS

The Money Smart’s TrackMyGoals app allows you to set, plan, track and manage your savings goals and visualise your progress.

4. TrackMySpend

Cost: Free

Availability: Android and iOS

Another ASIC Money Smart App, TrackMySpend is a basic budgeting app that, funnily enough, helps you track what you spend.

You can categorise expenses, set regular expenses as favourites and flag expenses as needs or wants. You can also download the data to a spreadsheet for further analysis or to import into other accounting software.

Check out Money Smart’s other apps here.

5. Australian Taxation Office

Cost: Free

Availability: Android, iOS and Windows Phone

The ATO’s is for individual tax payers, small business owners and self managed superfund trustees. It allows you to access their online services, lodge and track your income tax return, record and manage tax deductions, calculate tax to withhold, work out key tax dates, access tools and calculators, to name just a few functions.

6. Acorns AU

Cost: App is free but there is a monthly fee ( $1.25 per month for balances under $5,000 at time of writing)

Availability: Android and iOS

Now available in Australia, Acorns is an investment app that links to your bank account. When you spend, Acorns rounds up your transaction to the nearest dollar and invests that change for you in a diversified portfolio (EFT) at your chosen level of risk.

As this is an investment portfolio, it is subject to market fluctuations. You will also need to pay tax on all realised capital gains. Check out the website for more information.

7. Splitwise

Cost: Free

Availability: Android and iOS

Splitwise isn’t Australian, but still useful for those people who need to split expenses. Great for flatmates who need to keep track of who owes what.

Splitwise keeps a running total of how much is owed and it also emails reminders when expenses like the rent are due or when you forget to pay someone back.

8. ATM Hunter

Cost: Free

Availability: Android and iOS

Mastercard ATM Locator app helps you find the closest ATM no matter where in the world you are. You can search for your specific bank’s ATM to avoid fees. Provides you with distance and directions to ATM.

9. Expensify

Cost: Free

Availability: Android and iOS

Expensify allows you to scan receipts and track time or mileage for tax deductions. What’s cool about Expensify is that it pulls information from the receipts including date, time, amount and merchant and puts it all into a CSV file ready for your accountant at tax time.

10. Good Budget

Cost: Free

Availability: Android and iOS

This app uses a virtual version of the old-fashioned envelope system to help you budget your money. Track expenses, monitor savings goals, sync with your partner, monitor cash flow and analyse spending patterns. While this app isn’t Australia specific, Australians can still use it and one of the most popular budgeting apps on the web.

Managing your budget has never been easier with the proliferation of apps and mobile tools available.

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Which app is right for you? While all are great, some have various options that may better maximise your ability to save. The best part is, most of these apps are free, so it’s as simple as downloading one and trying it out.

Remember, if experiencing financial difficulty, Cigno can be a source of assistance. We offer same-day loans to those in need, regardless of the situation you find yourself in. Got a bad credit rating? No problem. We have a quick and painless application process, a swell as a high approval rate for all borrowers. Everyone needs a hand from time to time, and we are here to help you land on your feet. Apply for a same-day loan today!

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Read original source article here.

You can read more about same-day loans in our previous blog post: Understanding Different Types of Small Loans