Saving money, 5 apps that make it easy

The easiest way to save money is to set your saving on automatic pilot. Make sure its taken out from your pay before you see it. The next best way is to always have a good idea of how your money is being used. With apps and the power of the internet, this has never been easier. I will discuss 5 apps that you you can use to help you achieve your own saving goals.

apps to help you save money

While there may be other apps at exist on just Android or just IOS, I am choosing apps here that are on both platforms. I want to make it as usable for everyone as I can.Even though an estimated 90% of Filipinos use an Android platform, with iPhone and iPad sales rising, I want to make sure that everyone has options. Sorry Windows Phone and Blackberry.

Saving money app #1 – Mint

For those of you following this blog, you are already familiar with Mint. It is a free, online program what allows you to see all of your financial information in one place. It is  an American focused app but it does allow for several Philippine banks. With this, you can pull your bank data directly into the app and have it all there for you. It will categorize your spending so that you can see where the majority of your money is going. Then you can create a budget and see where you are doing well and where maybe you do use some help. It will show how much money you are saving . You can set goals and Mint will tell you how well you are doing to achieve them.

Mint is available online as well as for both Android and IOS.

Saving money app #2 – You need a budget

You need a budget (YNAB) is on the favorite budget programs available. While YNAB doesn’t have features to help you track any potential investments you may have, it does helps you to automate your budget and your money saving goals. It helps you to create long range goals while keeping immediate action in mind.

The basic principal is to give every peso a purpose from your income. From there you take responsibility for all of your expenses. Then let your system work for you.

Saving money app #3 – Level Money

Level has some pretty big backers from Business Insider to Forbes Magazine. Level Money is considered easy to use and has all the bells and whistles that you need in a budget app.

Level will connect online with your bank and inport your data directly into the program (like Mint). From there, you add your bills and and how much you want to be saving at the end of each month. The app then goes through and calculates how much spendable income you will have left – for each day.

The future of Level Money is to automate your finances such as paying your basic bills for you and making certain transfers, like to your savings account.

Level Money is really positioning itself to become the favorite in budget apps.

Saving money app #4 – Toshl Finance

The theory behind Toshl Finance is that the more information you have for your finances, the easier time you will have saving money. It helps you create a budget customized for your needs. It starts by helping you to choose the length (time frame) of the budget you want. After that, you will enter in your income and then your expenses.

Toshl is a bit basic but its very good app and it will help you to get your finances organized.

Saving money app #5 – Wally+

Wally+ is a nice program for creating a budget. It has a sliding scale that helps you to set your saving goals. Combine that with the budget that you create for yourself and you have a surefire way to help you achieve your goals.

Wally+ has a nice interface but it is a little bit difficult to use some of the features. It’s a little bit confusing to navigate but its still worth a look if you want a good budget app.


Generally, it doesn’t matter which one you use. Using one on a regular basis already gives you a huge advantage and helps you to gain control of your finances and ultimately, your life.


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