Best Budgeting Apps for 2022 (ALL-NEW Features!)

Best Budgeting Apps for 2022 (ALL-NEW Features!)
Welcome back, today we're covering the three best budgeting apps for 2022 and beyond. All three budgeting apps offer tools to help you thrive financially, whether that's through the extensive budgeting features, expense and subscription trackers, or spend and networth analyzers.
Each budgeting app provides a unique value so there's something for everyone. Make sure to stick around through the entire video as we'll be discussing important safety and security information you must know before linking your financial accounts to a third-party app like the budgeting apps we're discussing.
Signup for Rocket Money here 👉 ryanmcgregor.c...
Signup for Intuit Mint here 👉 mint.app/rk5w5zft
Signup for YNAB here 👉 www.youneedabu...
Thank you for watching and as always make sure to leave a question or comment in the comment section below or shoot me a DM on Instagram @ ryanmcgregorr
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Disclaimer: All content in this video is for entertainment purposes only and by no means is legal, investment, financial, or any other type of legal advice. All actions taken by the viewer based on the content in this video are solely their responsibility. I am not a financial advisor. The offers outlined above may not be current. Always verify the terms, conditions, and status of all offers.

[@ryanmcgregorr]

IMPORTANT UPDATE 8/17/2022 - Truebill is now known and branded as Rocket Money. The link in the description & comment section have been updated. - Signup for Rocket Money here 👉 ryanmcgregor.co/Rocket-Money

[@markanonymoussecurity4400]

You look like the chef that in ratatouille

[@ryanmcgregorr]

That is a new one for sure 🤣

[@chinthebest1773]

I can’t unsee it now😂😂😂

[@UrbnSavant]

I literally am now expecting a meal🤣

[@xVTxquinnx420x]

Hahaha so spot on

[@alifalm]

Wtf 😂😂😂

[@ryanmcgregorr]

Thank you for watching. Let me know which budgeting app you're going to use. 👇

[@MikeJones3]

I made an offline weekly budgeting app thats been helping me stay on budget while I save up for a house :-)

[@gw2fan281]

The huge problem with Mint is that you can't create savings categories. If I want to save for a car and a gaming PC, and a house, I have to create actual savings accounts at my bank to be able to track it. This downside was a huge miss in this review.

[@joshualee2913]

What other apps do that ?

[@ilikestarsun]

If you are budgeting every dollar couldn't you just create another category and just never touch that money?

[@aleclowry7654]

firefly III does this with "piggy banks". caveat is it’s self hosted

[@landonpeoples]

I love how unbiased you are with your videos!

[@ryanmcgregorr]

Glad to hear that. I try to present in a way that covers all of the facts, and then include my opinions so people can make up their own minds about the info. Thanks for watching 🙌

[@TheAluane]

Watching these guides and video’s has my mind looking at it all as a game where we are just gambling but strategically putting out and taking in currency lol. Pretty sure it’s a bit more complicated than this but I’m glad I’m enjoying learning this stuff so it can hopefully have a positive impact on me 🙏🏽

[@deborahmatney811]

I have kept all of this information in Excel (manually entered, formulas, etc.) for years but would like an app so that both my husband and I can access it on our phones. I am using Mint; it's a bit of a learning curve (HA!), so I really appreciate your videos. Thank you!

[@tyhumphries]

Great video. Thank you. I was really looking forward to the security tips at the end but didn't see them....

[@jinhi2181]

The video is really helpful.Thank you for sharing this and clearly showing the pros and cons of these apps!

[@ryanmcgregorr]

Glad to hear it was helpful! Thank you for watching! 🙌

[@joshuar1ley]

Think I’ll try mint, thanks for your help Ryan

[@ryanmcgregorr]

Awesome! You're welcome, thank you for watching 🙌

[@sjg6158]

Good job Sir. There's a lot of good apps out there for people who want basic and more advanced help in managing their finances. These are good examples. Thanks for sharing.

[@ryanmcgregorr]

Agreed and glad you enjoyed. Thanks for watching!

[@nickhildabridle1612]

What do you like and what do you not like?

[@tanialol101]

Hi! do you recommend any budget apps for biweekly pay? I currently use mint and its been very inefficient for me

[@westonkochendoerfer9348]

I just want to find one where I add my income I get monthly and the bills I have to pay plus like groceries or whatever and it just shows me like what I can spend daily and keeps me in my budget you know

[@timrew9818]

Make one and get rich lol

[@ernestwallace810]

Is that not what any of them do ??

[@impulsivebudgets9549]

Hey, this was great! Thank you!

[@ryanmcgregorr]

Glad you enjoyed it! Thank you for watching 🙌

[@N-Hector]

Nice helpful vid man. Thank you

[@ryanmcgregorr]

Glad you enjoyed it. Thank you for watching!

[@rsacar217]

Wait, I'm not sure you spoke about the safety and security stuff like you said you would.

[@artemussanders1016]

You have a new sub sir! Thanks!

[@ryanmcgregorr]

It's really great to hear that! Thank you for watching!

[@sarcastiXperimental]

Thanks Ryan, very helpful.. ynab sounds like a good fit for me. I'm searching for apps that can automatically load transactions. I tried mint but only US credit cards are there and I live in Asia. Are you aware of any apps that can integrate apple pay (not apple card cuz we dont have that too ) or maybe allows uploading my bank statement then converts it into transactions in the app? Also do any of these apps allow exporting my data or budget plan?

[@michelero4297]

TY for the video but what is that pounding? I thought my cat was doing something wrong in next room (watched on TV). Drove me nuts!

[@ryanmcgregorr]

Yeah, sorry about that! I speak with my hands and tend to hit things without paying much attention. That won't be an issue in my top choices for 2023 video. 😉 Thanks for watching!

[@revivedsoul1099]

Amazing and neutral video. Definitely going to check this out. Thanks!

[@ryanmcgregorr]

I appreciate that, thank you for watching!

[@bradsronce]

Is there an app that tracks HSA eligible expenses? This would be a huge advantage

[@jeremycooper9715]

Awesome video bro!

[@ryanmcgregorr]

Thank you!

[@laroselcouth8522]

Thanks but not what I was looking for... I need something that automatically tracks BUT you can edit transactions and labelling, but still be able to view original if required. I need an easy way to view everything and know what the heck I am looking at...

[@Thirstytraveler41]

Great video! I am going with Mint!

[@ryanmcgregorr]

Nice 🙌 Mint is pretty awesome. Thank you for watching!

[@CrazyHalo203]

Anyone else find the account authorizations for Mint unsustainably annoying? My husband and I had a fair amount of accounts to link and trying to make sure all the accounts were synced was impossible.

[@ryanmcgregorr]

Hey Lynda, what was the issue? Were you required to keep re-linking them or were they just not updating at all?

[@CrazyHalo203]

@@ryanmcgregorr Required to keep relinking them. I realize it's a security feature (probably of the bank not mint) but for us it was just too much. We're giving it another go now.

[@patriciadelgado3357]

Same here. They liked up but its not updating

[@purplest4rz]

Thank you for showing examples of working in the apps themselves! Really appreciate it. If I could suggest one thing to improve your videos, please refrain from tapping or hitting your desk while you're recording. The sound was really prominent when I was listening on my headphones (and I often listen to YT in the background while I'm working) so it is being picked up by your mic more than you may realize! (example 1:27-1:31)

[@ryanmcgregorr]

Thank you for the feedback! I have a habit of talking with my hands which isn’t good if there’s a hard surface nearby. 😂😩 I’ll make sure I’m more aware in future videos. Thanks for watching and sorry about that

[@trunglinhnguyen1097]

@@ryanmcgregorr This is not a problem. Just be natural if some people don't like it who cares.

[@neildepressedtyson540]

@@ryanmcgregorr It's usually a symptom of having your mic on the same surface you're leaning on, not so much the bangs themselves being picked up, but the sympathetic vibrations it sends into the mic set up. A lot of streamers will have the mic on a separate table, or clipped onto the desk. This is actually why Joe Rogan or other comedian podcasts have the mic on a boom arm, because you can bang the table and the vibration is muffled before it reaches the mic. Just a thought!

[@ryanmcgregorr]

Thanks! This is good to know 🙌

[@sjg6158]

There's lot of good apps out there for basic and advanced budgeting. Thanks for sharing.

[@ryanmcgregorr]

Thanks!

[@lilggs4813]

Would help in the future if you also put names of the apps instead of the icon

[@ryanmcgregorr]

Thank you for the feedback! This will be included in my updated video.

[@alexanderrhodesevans4454]

Hi Ryan, great video I tried signing up for Intuit Mint using your referral but everytime, the telephone number field just wouldnt work and so far I have been completely unable to sign up??

[@Sachin_francis]

Is mint available in Australia? I was trying to install and it shows not available.

[@moniquemcfarquhar6245]

If I could get the mint app with the subscription remover from true that would be my pick.

[@ryanmcgregorr]

Mint does have a subscription tracker that lists them out in one place. Mint doesn't offer the option to cancel them directly through the platform, but it's still really helpful to be able to see possibly forgotten subscriptions in one place. 🙌

[@moniquemcfarquhar6245]

Thank you for responding this is my 1st video I watch from you. I've subscribed because I am a salon owner and was looking for the best app to organize my finances. Thanks for your help!

[@ryanmcgregorr]

I'm happy to help. Thank you for watching, Monique!

[@superblue5871]

Thank you!

[@ryanmcgregorr]

You’re welcome, thank you for watching! 🙌

[@tonygrego347]

Mint! TY

[@ryanmcgregorr]

Nice choice! Thank you for watching 🙌

[@Xx2200xX]

Am with YNAB for 2 years now, its the best App ever but. the price is very high

[@ryanmcgregorr]

Yeah, it's a great app and even though the price is steep, it can definitely be worth paying for. Thank you for watching!

[@ilikestarsun]

Is it safe to connect ur bank account to these apps?

[@ryanmcgregorr]

Yes, but as always, you should only do what you're comfortable with. I posted a a video discussing the safety of Intuit Mint here: kzbin.info/www/bejne/a6CWh36ui7CNqc0 If you don't want to connect a bank account directly, YNAB fully supports manually tracking your finances. It's more work, but you're not required to link a bank account. Thanks for watching!

[@joebarniak]

If you have to pay to use the app, then the app isn't really helping you save money, is it?

[@sharnikaegal7101]

Thank you very much! I am giving the one you use a try!

[@ryanmcgregorr]

For sure! Thank you for watching! 🙌

[@luvrbae]

would it be a hassle to use two budgeting apps at the same time? I was thinking mint and truebill. I think I'd prefer mint but would also like some functionalities available in truebill. i wonder if this would be more inconvenient than anything. thanks for sharing this!

[@ryanmcgregorr]

I don't think it'd be that inconvenient if there are features you value in both. If you try it out, let me know how you like it. Thanks for watching!

[@sikchopper3783]

I have the same question. Here’s my thoughts. I’m thinking of joining Truebill perhaps 2-3 months. Once I feel I used their benefits to my needs. Join YNAP simply I like the custom budget setting. Please share how your experience went after you join.

[@ryanmcgregorr]

@@sikchopper3783 Truebill does offer custom budgeting on the premium version which costs as little as $3/month. Keep in mind that YNAB is $14.99/month or $98.99 annually with no free version other than the 34-day free trial.

[@sikchopper3783]

@@ryanmcgregorr I appreciate the heads up!! I’m a dad who is super busy. This was an important detail I overlooked. Thank you

[@ryanmcgregorr]

@@sikchopper3783 Happy to help!

[@AshTries24]

I want to get Rocket Money... But how will I know if my data is protected?

[@bradvincet1848]

Any financial app that has access to your accounts or requires internet connectivity is sketchy at the very least.

[@Dai-4481]

It requires internet connectivity because your funds are online? That's how they receive the transactions.

[@travellerkarson]

you live in stone age???

[@tomksf]

Ryan, thank you for the video and I have one question I can’t seem to find an answer to anywhere… and I apologize in advance for what will be a long comment because I’m not quite sure how else to explain this: I have been using the same Excel spreadsheet for my personal budgeting for about 12 years now, and it’s just so time consuming. I’ve been looking for an app that is simple and intuitive, But I still have yet to find one that does one particular thing that my spreadsheet does…. I have built-in what I could only call a “projection“ calculation… Basically, at the end of each column in my spreadsheet (each column is Separated by month), the last field shows what I am projected to have left over at the end of the month. When I start the new month, I have a field that “rolls over“ that amount left over from the previous month… I can click and drag the spreadsheet to the right side of the screen and project literally into infinity what kind of money I am projected to have (based on current income, bills, spending)… Of course, I don’t need to go that far into the future, but this is very helpful for me when I’m trying to make certain goals by the end of the year or even a few years in advance. Are there any apps that do this that you know of? Thank you!

[@BobBridgesbob]

I started using YNAB earlier this year and it does have this feature and I love it. If you look back at the video, you will see the categories that have the "green bubbles." That means that you have money available to spend in that category. So say for example you allocate $400 per month for groceries. As your transactions are entered and categorized as groceries, that amount will go down. But at the end of the month, you might have only spent $350 on groceries. So you will see $50 still in green for your groceries category. And as you roll over to the next month, that $50 will carry over to that same category for the next month. It's just automatic, you don't have to do anything to make this happen. OR you could take that $50 at the end of the month and reallocate it to somewhere else in your budget that was short. I really love this feature of YNAB. The other feature that I love is to be able to allocate money out in the future. So, like when I bet my bonus at work every year, I allocate that money out in the future for expenditures such as my mortgage, vacations savings, emergency fund, etc, etc. I really like Mint too and have had it for years, but I found the budgeting feature pretty confusing. So that's why I stared using YNAB earlier this year. I still my Mint account active and go back to it from time to time. I do like the reporting in Mint a lot too. But it doesn't have that rollover feature you asked about and you can't create savings categories (Emergency Fund, Vacation, Down Payment for new car, etc) without actually having a new physical account for each one. I see that as a big miss on Mint's part.

[@nikkiy8993]

The icon for Ramsey is in your thumbnail but not discussed🤔

[@carollutz8253]

Thank you, this is helpful. Please add text to your content, so we can SEE the names, and don't have to guess how they're spelled.

[@ryanmcgregorr]

Great feedback. Thank you!

[@killsmileinc]

Some quick feedback on this excellent video. You're hitting the table as you are talking and it's causing a boom sound. It's slightly distracting :P Regardless, this is a high quality video and I appreciate the content!

[@ryanmcgregorr]

Thank you, Josh! I speak with my hands a lot and i'm not very aware of that while filming haha. I've made sure not to do that in future videos. Sorry about that. Thank you for watching! 🙌

[@emprenderyaprender857]

I would love to have Mint but it is not available for me (México) do you know any other app that for free I can have unlimited budget category's please?

[@jonathanleewrachford1618]

Gonna try mint.

[@ryanmcgregorr]

How do you like it so far? Thanks for watching!

[@isisraquelpalacioscartin1739]

Hi, could you list the name Of the apps?

[@ryanmcgregorr]

They are in the description

[@ginawenzel4886]

What are your thoughts on Every Dollar?

[@Mskiki1942]

Does ynab have to link to a bank account or can you just imput your budget?

[@carlosmed_]

It allows you to link and manually add bank accounts.

[@bobcat8654]

Which app I do not have to link with my bank accountd

[@ryanmcgregorr]

YNAB

[@DuchenneBrothers2]

Mint

[@MattThatMatters]

good video but the thud of you tapping your desk is a bit distracting

[@ryanmcgregorr]

Thank you for the feedback! Won't be an issue in future videos. 🙌 Thanks for watching!

[@mightymouse5930]

Stop beating on your desk. KZbin creation 101

[@ncolours90]

YNAB

[@ryanmcgregorr]

Excellent choice. 🙌 Thank you for watching!

[@nathanielboyce3008]

Is true bill rocket money now?

[@ryanmcgregorr]

Hey Nathaniel, yes it is. My updated 2023 Best Budget Apps video can be seen here: kzbin.info/www/bejne/rIOTmamund2Lnac Thank you for watching!

[@indeliblemakes5359]

just tell me which ones best....

[@ryanmcgregorr]

It isn't one size fits all

[@YossiLavy]

Can these be used in European countries

[@ryanmcgregorr]

Hello, Mint works in the U.S. & Canada, Rocket Money works in the U.S. only, but YNAB works in most places worldwide!

[@meat-head-213]

Should have considered the cost of blue balls

[@ryanmcgregorr]

You are right. Don't know what I was thinking not taking that into consideration

[@crazydonkey420]

Wow I see how u make your money lot of the same similar content on here

[@MrTutii12]

are these apps secure

[@doctordl7757]

Rocket is a paid service you should have mentioned that since you are obviously on payroll

[@ryanmcgregorr]

There is a free version of Rocket Money. You would have understood that had you actually paid attention while watching instead of commenting like a fool

[@Hi-qt2nj]

are you related to the notorious Connor mcgregor ?

[@ryanmcgregorr]

🤫

[@ellyluna21]

202022

[@rzaba000]

Dude, cool video and all but stop bangin on the dn table! Or have it cushioned. Or mount your mic elsewhere. Peace

[@ryanmcgregorr]

Yeah sorry about that I realized after it was too late lol

[@rzaba000]

@@ryanmcgregorr if that happens again, you can try and mitigate it by using a noise gate in your DAW. There's prone to be a tutorial somewhere on YT ;) Good luck! 😎

[@therussian8604]

This russki going with mint

[@ryanmcgregorr]

As a russki, how do you like it so far?

[@therussian8604]

@@ryanmcgregorr Мне это очень нравится.

[@ryanmcgregorr]

@@therussian8604 Это потрясающе!

[@ryanmcgregorr]

Hopefully google translate worked here

[@therussian8604]

@@ryanmcgregorr спасибо хорошего дня.

[@zazzlezzz]

2 out of 3 not available for my country, sigh

[@detweiler]

where are you and which one aren't available for you? I have the exact same problem. I wanted to use truebill very badly but it doesn't look like it's available in the UK...🙃

[@zazzlezzz]

@@detweiler Bulgaria. Mint and Truebill are not available.

[@detweiler]

@@zazzlezzz yeps same with me, from the UK

[@zazzlezzz]

@@detweiler Damn, I thought the UK gets pretty much whatever US, Canada and Aussie do

[@detweiler]

@@zazzlezzz nahh. Especially in the topic of finances there are a lot of location exclusive resources, apps and rules. Me from the UK it's fairly hard for me to find appropriate managing personal finance videos if I don't type "(finance topic) UK", because a large amount of them only apply to US and/or Canadian audiences regarding the resources the video provide

[@gotstajump]

None

[@MichaelJohnson-jf9uu]

Are you sitting on a swivel chair? I'm getting dizzy.

[@TimOsman88]

2:58 damn Photoshop those white pimps boy or at least put a trigger warning or smth smh

[@ryanmcgregorr]

I’m good

[@dougmorosky761]

Your audio is terrible and a distraction to your message

[@david0002p]

Thanks! Went with truebill which is now called something else...

[@ryanmcgregorr]

How're you liking it so far? I'm more of a Mint guy

[@BobBridgesbob]

I've been hearing a lot lately about Simplifi. Would love to hear your thoughts on Simplifi as it seems to be getting more and more popular and gaining traction. Have you tried it yet?

[@ryanmcgregorr]

Hi Bob, apologies for the late comment. I have checked out Simplifi, and while it does offer some nice features, I can't rationalize paying $5.99 a month or $47.99 annually. Simplifi doesn't offer much of a different experience from free platforms like Mint. YNAB on the other hand offers a completely different experience, which I could rationalize paying for. Thanks for watching!

[@AGILISFPV]

:48 You say this but I didnt hear it come up again?

[@Bettie_Noir]

I just tried to link my (major) bank account in Mint and got an error message. I did this in Truebill in seconds. I’m trying to compare the 2 but honestly not feeling so great about Mint with this experience.

[@donniekane0057]

same!! have you figured this out yet? i heard you have to wait 24 hrs for them to link

[@nickhildabridle1612]

Any additional issues?

[@pm6mpo]

Best App for budgeting is Boonzi

[@ryanmcgregorr]

Nice 🙌 What do you like about it?

[@pm6mpo]

​@@ryanmcgregorr well, it's an affordable (+-35€) perpetual licence of a desktop software that comes with a mobile light version for the phone that synchronizes with the desktop version. The mobile app for the moment, and i've been using since 2018 comes free with the buying of the software. You can try the desktop software for 1 month at full capacity and after 1 month with some limitations. About the software itself one can import bank statements directly to the software without giving any bank permissions to the app. Then you can create accounts, categorize, generate reports making a budget and keeping track. It's particularly effective for synchronizing a family budget as once you enter an expense it synchronizes with other mobile app and desktop on the same user profile. At the end of the year, month, week i keep track of every expense so every single Euro is well spent or well saved. For you as an youtuber there's an affiliate program at least on the Portuguese version, bottom page, under Social, "seja afiliado". For Cons i would say the mobile app is very limited, lack of development and updates, and the way the software works one can have multiple operations but have to be of the same type. Cannot have Income and expenses on the same transaction. This software made an huge difference on my financial education but don't take my words on it. This is just my personal opinion not financial advice, what works for me may not work for others. Cheers

[@Daflavors]

Nun in the World Free💯🆑👉🏽

[@khat_diveprivate2518]

True Bill is for me (in Germany) not or not anymore available on iOS 🫣