Top Financial Apps to Achieve Your New Year’s Goals in 2024

The new year comes, and we all promise ourselves we'll keep our New Year's resolutions this time. And, like every year – we fail before the winter even ends.

It's only a side effect of being human, and you're not alone in this situation! Almost 80% of people ditch their New Year's resolutions sometime around February.

Fortunately, now, we have digital help that will keep us on track and make us stick to our plans! There are plenty of apps that can help you exercise more, eat healthier, be more mindful, and even save money.

The most common resolution every year is to save more money, and many people look for ways to reach their financial goals. Get ahead and help yourself stick to your New Year's resolutions with the best financial apps out there!

Using financial apps is the most convenient way to track your expenses! There are some great, easy-to-use apps that can help you with saving, budgeting, and investing.

Financial planning can be a tough challenge, but financial apps will monitor your spending habits and suggest the best ways you can save money this year.

These apps will only require little attention and will automatically hold you accountable for your financial goals! You can connect your bank accounts to financial apps and monitor your finances easily.

Look through the best budgeting, money-making, saving, and investing apps to find the right one for you and your financial needs!

One of the most popular budgeting strategies has always been cash envelope budgeting. You split your salary into categories and then put your money into separate envelopes. You'll then only spend the money on purchases from the allocated envelope.

These days, we often don't even carry cash on us anymore. So, it's great that the digital age caught up on the best trends and implemented them into apps! The most popular budgeting apps also use an envelope budgeting strategy to help you manage your spending habits.

Many free budgeting apps will keep you on track with your bill payments, spending, and saving goals and help you make smart financial decisions. All you have to do is choose the one you like the best and link bank accounts to your profile.

We've found a couple of great budgeting apps to help you get started! So, read on, pick your favorite, and make peace with your account balance.

It’s the best budgeting app for couples and families everywhere! It works on a trusted envelope system where you dedicate a piece of your salary to a specific monthly expense.

This system will help you track spending habits and your personal finances. You can even set up an envelope with an emergency fund and always be prepared for unexpected payments like car repairs or plumbing issues.

Goodbudget also has a great feature that allows you to share all your financial accounts with your spouse or a friend! The app allows multiple users, so you can set up a joint budget and reach your financial goals together.

You can use the app's main features for free or opt for a paid subscription with unlimited envelopes and 24/7 support. You can download the app on Android and iOS devices or just use it on the web!

The YNAB (or Why You Need A Budget) app promises a life where you can simultaneously indulge in effortless spending and keep your bank account intact!

It's one of the best budgeting apps with many great features and budgeting tools, like the envelope system. Yet, one of the best tools is dedicated to people who get variable income and can't save money equally from each paycheck.

You can set up a Variable Income account on YNAB, and it'll help you forecast how your income will be affected by the upcoming expenses. It’ll also help you put some money away after every salary and save up money for bigger purchases!

You can try out YNAB on a free trial basis and then get a paid subscription if you see good results. The app is compatible with many devices, and you can find it on Google Play and Apple stores online!

These days, you can even find excellent apps for making money on your phone! You'll increase your cash flow and have more money to put towards your savings goals.

Money-making apps are great because they help you get some extra money in your pocket and don't ask you to sync bank accounts. Usually, you can request a PayPal payout or redeem gift cards for your favorite stores like Amazon, Target, Starbucks, and more!

Look at the best money-making apps out there and start filling up your savings and investment accounts today.

Download Honeygain and get paid for sharing your internet connection. It sounds too good to be true, but you better believe it! Set up a passive income stream with Honeygain and increase your earnings effortlessly.

Also, there are many ways you can maximize your income on Honeygain. You can draw from the daily Luck Pot lottery, collect Achievements, enter contests, and invite friends to get bonuses to your payout!

Once you reach a $20 threshold, you can cash out your money via PayPal. The Honeygain app is compatible with multiple devices and is available worldwide!

Swagbucks is a task app that will pay you for the tasks you complete. You can fill out surveys, watch videos, play games, and more.

The tasks don't require a lot of your attention, so you can complete them while you watch TV or during your commute to work. Swagbucks will give you special points for every task you complete, and you'll be able to cash them out with a $1 threshold!

When you're ready to cash out, you can request a PayPal payout or redeem a gift card for stores like Amazon and M&S. Download Swagbucks on your smartphone from Apple or Google Play stores and make money in your free time!

If you have a hard time trying to save money, you’ve come to the right place! We've picked out some great innovative saving apps that will definitely help you reach your savings goals.

These apps will teach you mindfulness when spending and help you redefine your relationship with money. You'll have to answer a few questions and then leave all the work to AI-powered apps.

They’ll calculate the best course of action to help you reach your savings goals and make smarter financial decisions. So, read on to learn how to manage your finances better and finally reach your savings goals with apps!

The Oportun app is one of the best saving apps that uses an innovative approach to help you reach your financial goals and stay on track with your personal finances!

Oportun's secret is an AI program that calculates everything for you. You only have to set a goal you want to reach and choose a date by which you want to achieve it.

The AI tool will automatically deduct some cash from your main bank accounts and place it in a separate vault for saving. It’ll take the hassle out of your day and help you reach all of your savings goals!

You can try out Oportun with a free trial for a month and then switch to a paid subscription if it floats your boat. Just link your cards to Oportun and let it help you fill up your savings account!

Allo is an app that aims to heal people's relationship with money. It has all the basic finance app features for easier saving and budgeting, but it's focused on financial mindfulness.

You can set up an account and fill out a questionnaire to help Allo determine how you feel about money and what it means to you. It’ll evaluate your responses and create a custom course to help you reach your saving goals.

It also provides you with many educational resources so you can better understand and manage your finances.

Allo differs from other budgeting apps with its focus on education, mindfulness, and attention to users' values. This innovative approach to money can help you build a secure financial future you've always dreamed of.

Knowing where to start investing can be hard. Fortunately for all of us, there are some great, easy-to-use investing apps for beginners!

They’ll help you decide where to invest and how much money can get you started. Then, you can choose to invest automatically, and these investment apps will do all the work for you.

Look at the best beginner-friendly apps to start investing and maximise your income!

Acorns is one of the best budgeting apps that'll help you start investing easily! Its main feature rounds up the spare change from your every purchase and automatically invests it.

The app creates a diversified portfolio for your investments and lets them make you more money! Acorns is very user-friendly, so it's a great place to start if you need to learn more about stocks or investing.

Also, Acorns has a library full of great tips and tricks on all personal finance topics. So, you can have all your questions answered just right there on the app!

There's no free version of the Acorns app, but you can get the cheapest plan for a $3 monthly fee. Download Acorns to your mobile device and start investing your spare change today!

Plum helps you track your spending habits, create a diversified investment portfolio, and save money with an automation feature.

With Plum, you can group your income into different spending categories. The app will automatically detect your spending and deduct the cost of your purchase from the dedicated category.

When you categorize your expenses, you'll see how much money is left for you to invest. You can invest manually or choose automatic investment management services, and Plum will do all the work for you!

The app is compatible with iOS and Android devices, and you can download it for free! Set a budget, track your spending habits, and invest easily with Plum.

There are some great expense-tracking apps that also help manage your loan payments! You'll be able to set up a mortgage or a credit card debt payoff plan with a few clicks.

You can also pay off more than one loan at a time and see the progress on your phone. You'll be in total control of how you want to make your payments, but the apps will suggest the best course for you to take.

Check out these free apps and start your journey towards a debt-free future and financial freedom!

Otto is the best budget app for people who want to pay off their debts and improve their credit scores. All you need to do is link your credit card accounts to the app and set up a debt payoff date goal.

Otto will adapt a custom automated strategy to your personal preferences and help you make smart payments toward your goals. You can make weekly withdrawals or put away some money from every salary in your bank account.

Also, Otto has a feature that rounds up your purchases from selected financial accounts and applies the difference to your debt. Or join the cash-back reward program and put some extra money towards your goal when you shop online!

Set up a debt payoff plan on Otto and keep track of all your upcoming bills, payments, and credit score all in one place.

Use the free app, Undebt.it, to make informed financial decisions and pay off your loans quicker! This is the best free budgeting app to help you make and stick to a financial plan.

Firstly, link your bank accounts to your profile and let the program calculate the best course for you to take to pay off your loans. You can choose from 8 different payoff programs like Debt Snowball and Dept Avalanche or create your own!

The Debt Snowball program focuses on paying the smallest loans first, and Debt Avalanche encourages you to start with your biggest loan. Most budgeting apps only offer automated withdrawals, and Undebt.it focuses on creating and following a custom program to help you reach your goals.

You can use Undebt.it on any desktop device for free and quickly get your loan payments in order! This budgeting software will improve your financial game and help you manage your cash flow effectively.

There are a lot of great budget apps out there that can help you get your finances in order. It's important you choose the one that will help you reach your financial goals!

Start by defining what you want to achieve and when you want to hit the mark. For example, you want to save more money to go on vacation next year. So, look up some flight tickets and living expenses, add up all the numbers, and calculate a clear target.

Then, you can put all of this information into a savings app that'll calculate the best plan of action. It'll remind you to make payments and help you cut out on the unnecessary expenses that are in your way.

Financial apps won't stop you from spending money, but they’ll help you recognize your spending habits, patterns, and risks. Use budgeting apps to get the information and advice you need to reach your financial goals!

Use the best financial apps to help you reach all your financial goals for 2024! Choose the one that best fits your needs and your lifestyle.

Firstly, set a budget for a new year and download Goodbudget or YNAB to help you track your expenses. Share a profile with your whole family and know what all of your money goes to!

Also, start earning extra on money-making apps like Honeygain and Swagbucks. Then, put that extra cash into a savings account on Oportun and Allo to maximize your savings.

And if you want your money to work for you – start investing! Check out Acorns or Plum and learn how to increase your income without a hassle.

Lastly, take the debt burden off your shoulders and pay off your loans with Otto and Undebt.it. Create an action plan and set yourself up for a financially stable future!