Top Personal Finance Apps for Millennials in 2025
Managing money doesn’t have to be stressful—especially when you have the right tools to make it easier. If you’re a millennial looking to save, budget, invest, or pay off debt, there’s a wide variety of personal finance apps designed to help you manage your money effectively in 2025.
Here’s a roundup of the best apps you should consider using this year:
📱 1. YNAB (You Need A Budget)
Best for: Serious budgeters
YNAB is designed for those who want to take budgeting to the next level. It helps you prioritize every dollar, ensuring you allocate funds thoughtfully and achieve financial goals.
- Syncs with your bank accounts for real-time updates.
- Teaches mindful spending and prioritizing savings.
- Offers in-depth reports and trend analysis to track progress.
đź’µ Cost: Free trial, then ~$14.99/month
Explore YNAB
📱 2. Mint by Intuit
Best for: Free all-in-one tracking
Mint has been a staple for budgeting, expense tracking, and managing finances for years. It aggregates all your financial data—banking, credit cards, bills—into a single, easy-to-use dashboard.
- Tracks bills and sends reminders to avoid late fees.
- Set budgeting goals and categorize your spending.
- Monitor your credit score for free.
đź’¸ Cost: Free (ad-supported)
Explore Mint
📱 3. Rocket Money (formerly Truebill)
Best for: Cutting costs and managing subscriptions
If you’re drowning in subscriptions you don’t use or need help negotiating lower bills, Rocket Money can help. It tracks your recurring charges and helps you cut out unnecessary expenses.
- Tracks and cancels unused subscriptions with a few clicks.
- Negotiates bills like cable, internet, and medical bills.
- Helps set savings goals and keep you on track.
đź’ł Cost: Free basic plan, with premium features available
Explore Rocket Money
📱 4. Acorns
Best for: Passive investors and savers
Acorns makes it super easy to start investing without having to think about it. The app automatically rounds up your purchases and invests the spare change into diversified portfolios.
- Auto-invests your spare change into low-cost ETFs.
- Acorns Later helps you save for retirement automatically.
- Simple, hands-off investing with minimal effort required.
🌱 Cost: Starts at $3/month
Explore Acorns
📱 5. Empower (formerly Personal Capital)
Best for: Net worth & investment tracking
Empower gives you a clear and detailed look at your entire financial picture, including investment tracking, net worth, and retirement planning.
- Investment fee analyzer helps you see what you’re paying in fees.
- Plan and track your retirement goals with detailed projections.
- Beautiful dashboard for tracking assets across multiple accounts.
đź“Š Cost: Free financial dashboard
Explore Empower
📱 6. Zeta
Best for: Couples and shared finances
Zeta is perfect for couples, roommates, or anyone managing shared finances. It makes it easy to track expenses, set joint goals, and share budgets with a partner.
- Split bills and track shared expenses.
- Set shared financial goals together.
- Option to open joint accounts for better financial management.
❤️ Cost: Free
Explore Zeta
âś… Final Thoughts
Whether you’re working on climbing out of student debt, saving for a house, or investing for the future, these personal finance apps will make managing your money in 2025 easier. The right app for you depends on your style—whether you prefer automation, visual dashboards, or hands-on budgeting.
Download a few, test them out, and build a system that works for you. Your financial future starts now.
For more personal finance tips, check out resources like NerdWallet’s Best Finance Apps for additional recommendations.