Have you ever read one of those stories about a fresh-out-of-school child prodigy who invents an app and becomes an overnight millionaire? Well, while the vast majority of us don’t have the skills to live out that particular financial dream there are still lots of ways your smartphone could be improving your bottom line! Apps can help you keep track of almost everything and with handy notifications they can be a lot more useful than any calendar or spreadsheet. Whether you’re putting away pennies to buy your own home or take the holiday of a lifetime, these ten apps could save you some serious coin.


Free (iOS and Android)

There was a day when household budgets were carefully recorded in pocketbooks, where grocery lists and bills were painstakingly added up each week. Those days might be over but we could all learn a thing or two from our grandma’s pocketbooks! Pocketbook connects to your banks accounts and gives you real-time updates on exactly where your money is going. The app will notify you if you’re being charged erroneous bank fees or if you’re close to reaching a savings goal. Choice Magazine called it ‘a huge time saver’.


Free (iOS and Android)

With it’s sleek design Mint makes keeping your personal finances in check easier than ever. Not only will this app help you set budget goals and show you where your money is going, it will also alert you to any unusual account activity and help you manage your money across different banks and accounts. One of the best features of this app is that it will calculate your credit score, and then give you tips on how to improve it based on your current financial situation.


You Need a Budget
$60 (iOS and Android)

This is the heavy duty budget software for those who have complicated income streams or have experienced tricky financial times. As you may have guessed by the price tag, You Need a Budget is not just an app. This is a full software package which you install on your home computer and that then comes with a complimentary app to check your finances on the go. The software tracks EVERYTHING, and is perfect for those who are self-employed or starting a small business. Once you have the software you can even participate in free online classes that will teach you business and money managing skills.


Grocery Gadget
$3.40 (iOS, Android and Windows)

This isn’t the prettiest app to look at but it sure gets the job done. Groceries are one of the areas where your budget can really fall apart if you’re not careful and you don’t have a plan. So if you’re one of the many people who finds themselves shocked by the total at the checkout after your weekly shop, then this is the app for you. Once you make a shopping list in Grocery Gadget the app will help you find the best deals and do all the math for you!


Free (iOS, Android and Windows)

When you’re trying to save money without wanting to miss out on the things you love, a good coupon app is a no brainer. In Australia, the most worthwhile coupon app by far is Groupon! You do need more than one person to take advantage of most of the deals but it’s still possible to save a lot of money with Groupon, particularly when you’re hoping to indulge in a relaxing massage or an an amazing meal.


Cheap Parking
Free (iOS and Android)

The name of this app really says it all. Powered by, the Cheap Parking app uses your phone’s GPS to find you the cheapest parking around. It shows the results on an easy to read map and offers directions for how to get there. This could save you a lot of coins going down the metre!


Free (iOS, Android, Windows and Blackberry)

This one is for the self-employed or small business owners. Expensify allows you to keep track of all your expenses in the simplest way imaginable. The app allows you to photograph receipts and then ‘smart scans’ them, as well as keeping track of regular payments and bills. We can imagine Expensify being a life saver for those who are just starting out with their own business come tax time!


Free (iOS and Android)

Splitwise promises to take care of any bill-dodgers, making sure you’re never left paying more than your fair share! While getting it out for a restaurant bill isn’t exactly polite, it could make things a lot easier when you’re consistently splitting rent and household bills with housemates. It adds up how much everyone owes you and even sends them IOUs!


$2.49 (iOS and Android)

Ever found yourself with your tank near empty circling around the neighbourhood because you’re sure you saw cheaper fuel somewhere? The Motormouth app promises those days are over. It uses GPS to find the petrol stations nearest to you and then compares all the prices for the fuel you want to find you the best deal. The developers behind this app take petrol prices seriously and even offer a ‘7 day buying outlook’ so you can plan your fill-up accordingly.


Free (iOS and Android)

Goodbudget is another household budget app, similar to some of the others on this list. It will keep track of all your household spending on groceries and bills and help you save for big expenses. But, what makes Goodbudget really great is that it allows you to share the budget with other household members and everyone in the family can make updates. So with Goodbudget you’ll all really be on the same page!

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