Billguard vs Mint, which is the Best personal finance app?
Billguard vs Mint? here is our 11 favorite personal finance applications will keep you on track to spend, save and invest.
For iPhones, iPads, and Android phones and tablets, there are thousands of personal finance applications. So many, in fact, that it is not an easy task to pick the few that will make a difference in your life.
We consider 11 to be among the best personal finance applications to support you like Billguard vs Mint. It will help you to:
- Manage the investments you make.
- Budget your spending and track it.
- automatically save or invest more.
- Get your bills handled.
- Track your credit score and safeguard yourself against fraud.
Personal Capital (Investing)
If you are finding a clearer understanding of your investment assets, use this app.
If you have accounts in more than one location, Personal Capital is a great app. The app will pull several businesses into your investments and give you an aggregate view of your holdings. But there, it doesn’t end. To monitor your spending and balances, it will also connect to your checking and savings accounts, which helps give you a full and complete picture of your financial position. Its fee analyzer is another great feature of Personal Resources. It will scour your accounts for any fees you are charged, including your 401(k). This is nice because, particularly in 401(k)s, fees can be covered. It will also review your investments and provide you with tips to improve your returns.
If you want a painless way to invest, use this tool.
Acorns connects and rounds up any transactions you make and transfers the change to an investment account with your checking and debit card. Beautifully neat! So Acorns will pass 77 cents to your savings account if you buy a coffee for $4.23. Quarters, dimes, and nickels are being hidden away from the future all day long. On their website, you register your account and then control your account from the app. Acorns will select an investment portfolio for you after filling out a questionnaire, so don’t worry about option fatigue, they’re doing the hard part for you. Then you just go about your life and Acorns starts filling your account, without even knowing you, hopefully! You can also sign up for a debit card that will round up real-time transactions.
Digit (Budgeting and automatic saving)
Digit may be able to assist if you have big goals in mind but are struggling to save money. This is the method that will make the process of saving as quick and as painless as possible. Actually, before you check your balance, you might not even know the Digit is making a dent in your savings target at all.
Whenever the algorithm detects that you can afford it, Digit operates by evaluating your spending and saving habits, and withdrawing cash from your checking account into a Digit savings account. Saving makes it simple, automated, and something you don’t have to worry about on a daily basis. All the tiny sums that Digit subtracts will add up over time, and before you know it, you will be able to afford your targets!
As well as unrestricted withdrawals with no minimum balance, Digit also provides overdraft protection and repayment, so you can still access your cash when you need to.
If you are taking a more data-driven approach to your finances, the app for you is MoneyPatrol. MoneyPatrol records your financial statements and returns the data directly to you, providing you with insight into how you spend on a regular basis.
But don’t worry, MoneyPatrol provides you with knowledge in a visually-appealing format. You’re going to get graphs and maps, along with tables displaying the most recent transactions. Also, reports can be collected and the data can be sorted by variable such as category and retailer.
In order to track your expenses, you don’t even have to log into MoneyPatrol. Whenever there’s suspicious activity on your account, you’ll get warnings. The app will also alert you as you go over your spending cap in a specific category once you have set your monthly budget. Your updates can become more suited to your daily activities as the app gets to know your behaviors.
Billguard (Fraud protection) vs Mint (Budgeting)
Mint, If you want a solid budgeting app, use this app.
The mother of all budgeting apps is Mint. It’s forever been around and it’s still going high. You will see all your accounts in one location with Mint, including savings accounts, and it will automatically categorize all your expenses so that you can keep track of your expenditures. To get you started on a reasonable budget, Mint will send you your average expenditure amounts in each category over time.
You can also set up bill notifications that if your cash gets too low or your credit card balances get too high, you will get warnings. If one of your accounts is paid a fee, you will also get warnings.
If you’re concerned about fraudulent charges to your accounts, you can use this online tool.
Bill Guard will also alert you to any unusual behaviour on your accounts, in addition to monitoring your spending by connecting to your accounts. In a couple of different forms, it does this. For one thing, to identify your location, the app uses your phone’s GPS. You’ll get an alert if your card is used when you’re not there. Beautifully neat. It also collects common fraud charges and warns you if one appears on your account. Finally, if your details could have been compromised, the system keeps track of any known data breaches at retailers and will alert you. It then enables you right from the app to challenge suspicious charges.
It will even give you coupons to the locations you visit, because the app knows where you shop. So, now you have better idea about Billguard vs Mint and you can easily choose which is best among Billguard vs Mint.
Toshl, If you are looking for a super quick manual budgeting tool, use this app.
The majority of budgeting apps connect to your accounts and categorize your transactions automatically for you. For some, that can be fine, but others feel that it’s not precise enough. Toshl could be for you if you are looking for a budgeting app that gives you more control over your budget. You type these purchases into the app manually and categorize them when you make purchases. If at the end of the month there is money left over in a category, you can move those funds to the next month. You can set up recurring expenses, such as rental or vehicle payments, and you can set up recurring income in the pro edition as well.
Mint Bills (Bill tracking)
If you want help with keeping track of all your bills and due dates, use this tool.
Mint Bills gives you all your account balances and transactions, like all the other budgeting applications on this list, but its stand-out feature is that it keeps track of your bills as well. All your bills (cable, credit card, mobile phone, car insurance, etc.) can be hooked up to the app and it will warn you when a due date is approaching. And, right from the app, you can pay your bill. You can also set up auto pay for your bills as well. When your bank accounts get too low or credit card balances get too high, the app will send warnings.
Note that when you use your checking account to pay the bill and select the regular speed option, the bill pay option is only free. It costs more to pay with a credit card or to use the expedited time period.
Empower (Budgeting and automatic saving)
With Empower, which “empowers” you by providing real-time notifications on how you are doing, controlling your spending is easy.
You set up categories and input expenditure limits with Empower. Empower then tracks your spending automatically, showing your progress towards hitting the cap. It lets you plan to change your expenses when you get back into budget. Empower tracks your finances when you budget and invest and can save money automatically where you can afford it through their Automatic Savings feature. For someone who wants a little extra cash, Empower often provides Cash Advance. Empower can float you directly to your checking account with up to $2501 sent and pay no late fees or interest. Plus, you will also not be subject to a credit check!
Level Money (Automatic saving)
Use this app if building your savings account balance is the highest priority.
Level Money keeps track of all your balances and transactions in the account, but focuses on saving money. You say how much you want to save each month, and the app monitors your accounts and tells you how much you have every day/ week/ month for discretionary spending. “When they seamlessly and automatically monitor cash flow on their website, they reinforce positive habits and provide necessary insights into spending and saving behaviours for an empowered, do-it-yourself approach to personal finance and long-term financial success.”
Credit Karma (Credit score tracking)
Using this app if you want to keep a close eye on your credit score.
Credit Karma can offer you to read your personal credit reports and first-party credit ratings for free. The credit score, which is a very frequent score, is updated frequently! You may also compare your credit score, such as age, place, and income, to those in your demographic. This app is perfect for your credit score to keep a close eye on. If you own or have had the thought of owning a car of some kind, this app is for you. You will begin to get a sense of how credit scores work when you get reasonably fast feedback on decisions that affect your credit. The lender also needs to upgrade your account, of course.