10 Mobile Apps For Managing Your Money, Investing, And Improving Your Financial Literacy

Financial savviness at your fingertips.

Finances can be tricky to navigate as a millennial. We have subscription services to manage, digital investments to explore, and much to learn about money; it can be downright overwhelming. Luckily, as the world gets more complex, so do apps that can help sort through the clutter.

It can sound daunting and—let’s be real—kind of boring to start planning and saving for your retirement in your twenties. Do it, though, because your future self will thank you. And stocks can seem like a foreign language spoken by old dudes with pocket watches, but you too can learn to speak the language.

Really, though, finances are a part of everyone’s lives, so why not make the best of it and invest in yourself? We have compiled some of our favorite money apps to help you save, invest, and learn.

Financial Planning & Management

1. Mint

Best For | Budgeting, bills, & managing your credit score
Price | Free

One of the more widely-known financial planning apps, Mint—with an aesthetically pleasing design and easy-to-use interface—is one of our favorites. It’s a one-stop shop for bills, spending, budgets, and investing. Use it to get all of your finances on track.

Learn More About Mint


2. Clarity

Best For | Bills & expense tracking
Price | Free

Still subscribed to Hulu even though you swear you cancelled two months ago? It can be difficult to remember all of the apps and subscriptions pulling funds from your account each month. Clarity puts expense tracking all in one place. The breakdown of spending is great for seeing the bigger picture.

Learn More About Clarity


3. Twine

Best For | Saving money with a partner
Price | Free

If you are new to sharing your finances with a partner or are looking to start, Twine is your go-to resource. Built for two, you’ll be able to work on shared goals and investing together. Money is one of the biggest argument-triggers between couples—let Twine help alleviate some of that stress.

Learn More About Twine


4. Digit

Best For | Automating savings
Price | Free for 30 days, then $5/month

Planning for your financial future doesn’t have to be as boring as one of those late-night infomercials makes it sound. Digit is there to help you save and set goals, whether that is finding ways to budget for your dream vacay or putting aside money for your retirement.

Learn More About Digit


5. Splitwise

Best For | Splitting expenses with friends
Price | Free

There are many awkward moments in life, like when you turn to talk to your friend but it’s actually a stranger standing near you (oops). Splitwise helps take away some of those awkward moments—like asking your roommate to split groceries because they ate your hummus, or splitting an Airbnb for a girls’ trip. The easiest part is it syncs with Venmo and does the hard work for you.

Learn More About Splitwise


6. Prism

Best For | Paying bills and bill reminders
Price | Free

Prism has more billers than any other app so you can keep track of all your various expenses. It’s visually appealing and user-friendly, and you won’t have to worry about missing any due dates throughout the month. Prism keeps track of it all for you.

Learn More About Prism

Investing & Self-Educating

7. Acorns

Best For | Investing, earning, and growing your finances
Price | Free

Acorns aims to make it easy to be educated on investing. It helps you start small, like with saving the change leftover from your daily iced almond milk latte. With these low stakes, it can be a stress-free way to start growing your portfolio.

Learn More About Acorns


8. Stocks

Best For | Stocks and news
Price | Free (comes on an iPhone)

iPhones come with so many specific pre-downloaded apps, it’s easy to forget they exist. The Stocks app should not be slept on, though, if you are interested in learning about the stock market. Following a couple stocks can be a great place to begin before biting the bullet and investing. 

Learn More About Stocks


9. Robinhood

Best For | Investing in stocks, cryptocurrency, ETFs
Price | Free

No, not the men-in-tights classic (although that is always worth a watch). This Robinhood app is here to help you invest in the (seemingly more confusing by the day) cryptocurrency. If you finally want to understand what all of those hipster guys at the arcade bar are talking about, Robinhood can help. It also provides small scale investments for traditional stocks.

Learn More About Robinhood


10. Ellevest

Best For | Women-specific investing
Price | Free

Finally—a financial app putting women first! By filling out your profile, Ellevest is able to help you invest based on your specific credentials and goals. The app also offers educational tools specifically designed for women. Navigate the male-dominated financial world like a pro (or, better yet, a woman).

Learn More About Ellevest

Have any financial apps you love? Let us know below!


Sarah Spoljaric is a California girl through and through. She has a BA in World History from one of the top 10 greenest campuses in the world; The University of California, Merced and is a Content Curator for the visual travel app Trepic. She has a background in museum curating, loves reading women’s travel journals and is in search of the perfect IPA. She’s passionate about exploring this beautiful world that ethically-produced goods help to protect. Say hi on Instagram!