On a coffee break, a young blonde woman checks her saving app on her iPhone.

Five of the best money apps to download in 2023

We earn a commission for products purchased through some links in this article

Handle your assets intelligently with the help of these intuitive personal finance apps for making, saving and investing your money

When it comes to managing money, apps can help with everything from saving and budgeting to investments and charity donations. Here are five to download today that could help you get a better handle on your finances.

For better budgeting: Emma

Good budgeting relies on a clear picture of incomings and outgoings. The Emma app uses secure open banking technology to integrate your bank accounts and credit cards into one easy-to-manage overview. Transactions are analysed and categorised, with recurring payments grouped so you can spot any subscriptions you’re paying for but not using. You can set up savings pots for different goals and set budgets to limit spending in various categories. An intuitive payment feature also lets you send and request money through weblinks and QR codes.


For easy investing: EToro

EToro makes the complex world of investing more accessible. You can mirror the moves of the platform’s most popular investors, monitor a newsfeed that gathers posts from social media and online trading, and discuss strategies with other online traders. The app lets you invest in any of over 3,000 stocks, funds and cryptocurrencies, with a profile — public or private — that tracks your trading activity. Charting tools help you analyse assets’ history and performance in graphs that can be shared with other users.


For managing your expenses: Expensify

Track work, household or travel expenses with Expensify, an intuitive app that scans receipts for details such as date, vendor and amount spent. Expenses are categorised and can be easily compiled in a report — whether for your employer or for personal records. Expensify will soon support integration with UK banks and credit cards so that users can report expenses and get reimbursed for their expenditures through the app. There’s also an option to turn on GPS and track mileage for fuel expenses.

£3.99/month, with six-week free trial and up to 25 scans;

Read more: Investment trends to further your money in 2023
Illustration of Expensify, an intuitive app that scans receipts for details.
Report expenses and get reimbursed for business expenditures with Expensify
For donating your spare cash to charities: Ripples

Donating a few pennies every day can make a real difference — and that’s precisely what this app helps you to do. Ripples links via secure open banking to your card or bank account and rounds up every transaction to the nearest 10p, 50p or £1. When the amount put away reaches £5, it’s donated to your choice of dozens of UK charities, with feel-good reports on the impact your donations made. You can set weekly limits and pause the roundups anytime. A total of 5% of user donations go towards maintaining the platform, which the founders plan to reduce as their user base grows.


For simple saving: Plum

Smart saving begins with effective habits. Plum helps build those habits with algorithms that analyse your income and expenses to automatically save what you can afford without needing to dip back in. The app can also hold income in a savings account to accrue as much interest as possible before sending forecast weekly spend back into your everyday account. You can set up smart rules to invest regularly into funds, individual stocks or a personal pension. The app integrates bank and credit card accounts to categorise spending and it will run provider comparisons on utility bills to alert you if you can save money by switching.

From free, with £2.99/month and £9.99/month accounts;

Read more: How start-ups can stay financially afloat this year
Illustration of savings app 'plum' with a purple 'plum' VISA card next to an iPhone with the app installed.
Plum can help you invest regularly into funds, individual stocks or a personal pension

Look for apps that are regulated by the financial conduct authority (FCA) or protected by the financial services compensation scheme (FSCS) to make sure your money is protected.

Words by Natasha Stokes
Main image: © Gaudilab |

Share this article

Digital AI Gallery - AI-Generated Digital Artwork
KingBacol PRO - Website Khusus Dewasa
AyoMasuk In/
Koleksi Bacol China Terlengkap Asian Magazine - Free Magazines for Every Interest
The SecretY - Explore Hidden Content
TemFlix Live - Koleksi Video Viral terbaru
Kentu Rien Mas - Eco Tenan!
AyoMasuk In
Magazine for Man - Unleash Your Potential, Embrace Your Manhood Muber Media - AI Image Collection
Agui Web
Beritau Digital Media – Penjelajah Dunia Maya
EXtreme Seo Service
ADSNEST CLUB – Adsnest Resources and Information
Lihat ANu

Tempat Nongkrong dan Hiburan

Info Terkini Dunia Teknologi Dan Gadget

Digital Magazine Free

Koleksi Situs Dewasa Khusus 18+
From Insight to Installation - Navigate the Universe with One Click
IT Ready For You