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7 must-have personal finance apps for iPhone

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Apple’s big leap into the future, the iPhone X, has launched. The 10th anniversary edition comes equipped with a high-end screen, Face ID to replace Touch ID and a beefed-up camera.

If you decide to take the plunge — the phone starts at $999 — you’re going to want to add all the best apps. Here are seven great personal finance apps available for download on the Apple App Store.

Clarity Money

It’s all in the name with this app that launched in January. Link your bank accounts to the app and get ready to learn a whole lot about how you spend.

One of the coolest features is a tool that scans your purchases for subscriptions. Once they are catalogued, you can turn off the ones you no longer want, like a subscription to a magazine you never read. The company also spots outsized monthly expenses and negotiates for a lower rate on your behalf. (The company takes a third of the money you save if it negotiates you a lower rate.)

You can also link savings apps like Acorns to your Clarity Money account.

Varo Money

The digital banking app, which launched in June, recently added a new cash-flow tool called Varo Forecast. The feature gives users an overview of their current balances, predicts what their income and bills will be in the coming month and tells users if they are on track to hit their savings goals.

The company wants to help you track your spending through your existing bank accounts, but it also wants to be your bank, too. The company is in the midst of pursuing a banking charter, but in the meantime has partnered with The Bancorp Bank to offer banking products, including a new savings account that carries a 0.25 percent APY.


Some credit cards offer amazing perks, but if you lack the discipline to keep your balance low, the interest often outweighs the rewards.

Debitize tracks your credit card spending and deducts the amount of your purchases each day from your checking account and puts it in a reserve account. When your bill comes due, Debitize uses the money it is has been stockpiling to pay your bill.

The service is free, but the company offers additional features for a small fee.


At its core, MoneyLion is lender, but the company is quickly expanding into products that help its customers track their spending and save money.

With the release of Apple iOS 11, the company added an augmented reality function that lets you visualize your money in stacks. If you’re having trouble saving money, the ability to see it in stacks of cash next to the subway platform might help, for example.

The Grow Your Stack feature is only available on iPhones 6s and newer.

Long Game Savings

If you love to play games on your smartphone, consider playing Long Game to boost your savings.

This type of tool is called “prize-linked savings” and it works kind of like a lottery game, but instead of wasting money on scratch-off tickets, you earn chances to win through good savings behavior. The more you save, the more coins you earn to play games.

Although it seems like gambling, your principal is always protected. The savings account carries a 0.1 percent APY.


Stash is staking its claim in the growing micro-investing landscape by giving its users a bit more control over where they put their money. Most investing apps offer users a selection of exchange-traded funds that allow users to set their risk tolerance. Stash’s portfolios are oriented around risk appetite, as well, but the platform also lets users get more specific by picking things like clean-energy companies or those that are committed to equality.

The service costs $1 per month for accounts under $5,000; it charges an annual fee of 0.25 percent of the account value for larger accounts.


Digit analyzes your spending from your checking account and then makes small withdrawals to help you build savings. While some savings apps rely on rounding up transactions to the nearest dollar, how much Digit moves depends on how you’re spending that month.

The company charges $2.99 a month for the service after the first 100 days, but its savings account offers a 1 percent annualized savings bonus when you save for three consecutive months.

When you’re ready to tap your savings, just text Digit “withdraw” with the amount and the set amount will be transferred back into your checking account in one business day.