Managing personal finances can be challenging, but a range of innovative apps now make it easier to track spending, save money, and even invest. Whether you're looking to budget better, split bills with friends, or check your tax status, there's an app for that. Here are ten of the best finance apps available in 2026 to help you organise your money.
1. Plum
Plum automates your savings by connecting to your bank accounts and credit cards. It analyses your spending and automatically transfers small amounts into savings pots, rounding up payments and making micro-investments without any manual effort. This is ideal for those who struggle to save regularly.
2. HMRC App
The official HMRC app is essential for self-employed individuals or anyone needing to manage their tax affairs. It allows you to check your National Insurance number, understand your tax code, claim child benefit, make Self Assessment payments, and even request a refund if you've overpaid. The app is more user-friendly than the desktop version.
3. Premium Bonds Prize Checker
If you hold Premium Bonds, this app lets you check your prizes from the last six draws. With millions of unclaimed prizes worth over £109 million, it's worth checking regularly. The app's monthly reveal features celebratory clips for winners, making the experience fun.
4. Splitwise
Splitwise simplifies splitting bills for group holidays, house shares, or meals out. You can track expenses in real time, see who owes what, and settle debts quickly. It removes the stress of dividing costs and ensures everyone pays their fair share.
5. Monzo
Monzo is a digital banking app that lets you create separate pots for saving and spending. You can request payments from friends, and it offers fee-free spending abroad. To use Monzo, you need to open a Monzo current account.
6. Emma
Emma acts as a financial friend, helping you track all bank accounts in one place, view subscriptions, set budgeting goals, and analyse spending. It also offers investment portfolio building. Emma aims to make money management empowering and accessible.
7. Trolley.co.uk
Trolley.co.uk compares supermarket prices in real time, helping you save up to 30% on your weekly shop. It works across major retailers like Tesco and Aldi, ensuring you get the best value for your money.
8. Snoop
Snoop helps you find better deals on bills and subscriptions. It tracks essential payments, alerts you to price increases, and suggests switching to cheaper tariffs. It also identifies unused subscriptions you can cancel.
9. HyperJar
HyperJar allocates funds to separate pots (jars) for day-to-day expenses and long-term goals like holidays or a house deposit. It also offers cashback and discounts with regular retailers, helping you maximise savings.
10. PocketGuard
PocketGuard provides a full overview of your income and expenditures. It helps you understand your net worth, develop a debt payoff plan, track spending, and monitor your money flow to prevent overspending. It's a comprehensive tool for financial control.
These apps cater to various financial needs, from automated savings to bill management. Choose the ones that best fit your lifestyle and start taking control of your finances today.
