Everyone is incredibly different (and that’s beautiful!), but there’s one thing that everyone on the planet seems to have in common: Saving money is HARD.

That’s why we found an array of budgeting apps to fit your individual personality. Like budgeting? Hate playing by the rules? Maybe you’re just too fun-loving to save?

Whatever your personality, there’s an app for that. Check it out:


1. Are you goal-oriented and enjoy applying rules to reach your dreams? Try Qapital.

After downloading the app and creating an account, you’ll be able to set goals like “Save for taxes” or “Save for a trip to Hawaii” or even “Just start saving.”

I was floored when I realized I’d managed to save over $100 in just one month!

  • Cost: Free
  • Best features: You can create rules for yourself like, “round up purchases and transfer the difference to savings” or “transfer $2 to savings every time I spend money at Starbucks.” Just link your bank account, and you’ll be on your way.
  • Important considerations: Qapital stores your money in one of their FDIC-insured savings accounts through Wells Fargo. (Don’t worry–no fees or minimums! Check out the deets here.) But, it’ll take a couple days to withdraw funds to your bank.


2. Are you buried in debt and unable to save? Try Mvelopes.

Mvelopes is also a full-fledged budgeting tool, and their simple “envelopes” approach makes categorizing spending, managing debt, and increasing savings really intuitive.

  • Cost: Free
  • Best features: I love how well it syncs with accounts and bills, then allows you to track, categorize, and adjust your budget with a simple interface. Mvelopes is specifically designed to help people manage debt and save money, including lots of helpful tips and videos.
  • Important considerations: This one also requires over an hour of setup time to link accounts and flesh out your budget. But trust me, the time investment is totally worth it to simplify your budget and savings plan.



3. Are you a detail-oriented, Type-A person who craves control over your budget? Get Mint.

If you’re looking for an in-depth budgeting tool to manage all of your expenses, as well as savings, I highly recommend Mint. They’re made by Intuit, the same company that makes QuickBooks, so the app is incredibly powerful and detailed.

  • Cost: Free
  • Best features: Mint provides an organized and fully-synced view of your entire budget in explicit detail — including pretty graphs and helpful insights like spending habits by day, or places where you spend the most money.
  • Important considerations: You’ll probably spend over an hour connecting bank accounts, adding bills, and budgeting for savings, but it will save you more time in the future.


4. Does your fun-loving personality have a hard time getting serious about budgeting? Try Dyme.

With Dyme, building a savings account is as easy as texting a friend.

The setup and account linking process are similar to Qapital, but you’ll mostly interact with Dyme via text.

First, you’ll pick a “personality” for your Dyme texts like, “80’s aerobic instructor” or “terrible parent.” Then Dyme will periodically send you funny texts asking if you’d like to transfer small amounts to savings, like “Why can’t you be more like your sister? Text ‘Save 5’ to save $5 now. Because I said so.”

  • Cost: Free
  • Best features: Their hilarious strategy makes saving money fun, and you might be surprised how quickly those savings stack up. You can even get bill pay reminders and answer questions to help track your savings pain points.
  • Important considerations: I totally love this app but it’s only available for iOS which is a huge bummer!



5. Are you a minimalist feeling overwhelmed by multiple accounts? Use Fast Budget.

Fast Budget is perfect if you have side businesses, hobbies, or need help budgeting your spouse’s accounts.

  • Cost: Free
  • Best features: First, they let you sync up to five devices, which is great for staying organized with your spouse. They also let you designate certain accounts as “hidden” so you can separate hobbies or self-employment expenses from your family budget. Plus, I really enjoyed their spending categories at a glance and calendar view of expenditures by day.
  • Important considerations: Fast Budget is similar to Mint and Mvelopes, but the design is not quite as in-depth or modern. Check it out if you’re a little tech-averse.


6. Are you wondering what it would be like to have a free hour to set up Mint or the time of day to text with Dyme? Try Digit.

Digit isn’t free, but it might be your best option if you’re so busy that you’re just skimming this article.

  • Cost: First 100 days free, $2.99/month after trial
  • Best features: Set basic guidelines like, “never transfer more than $10 at a time,” or “pause withdrawals if my account balance is below $500.” Then forget about it. Seriously. Digit’s algorithms track your spending habits and calculate how much you can afford to save, then make small transfers to savings automatically. The craziest part about Digit was that it was so hands-off, I totally didn’t notice a difference in my budget, and I saved over $100 in a month!
  • Important considerations: They pay you a 1% interest rate, but that will most likely get eaten up in the $2.99/month fee. So I’d say if you’re not saving money because you feel too busy to even deal with it, Digit’s fee might be worth it. This app is super-similar to Qapital, but Qapital has a lot more options for rules, and I spent much more time in their app. Try it free for 100 days and see what you think!


RELATED: 14 Apps That Make You Easy Money


7. Are you building a complicated savings plan or preparing for retirement? Step up your game with Personal Capital Finance.

This is another all-around budgeting app, but PCF is specifically designed for more complicated account setups and savings plans.

  • Cost: Free
  • Best features: If you’re trying to take your savings game to the next level by making investments and planning for retirement, this app is perfect for you. You can track your portfolio’s performance, analyze your spending, view your net worth at a glance and calculate investment risks. They also offer lots of savings advice and great customer service.
  • Important considerations: I’d say you don’t need to use the complex features of this app if you don’t plan on making investments and retirement plans in the near future.


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7 Budgeting Apps You Should Use Based on Your Personality