Sure, you could make your own spreadsheets to keep track of your spending and saving. But this requires effort and upkeep. Instead, you could download one of these five amazing money-management apps and let them help you reach your financial goals.

1. Vault22

This app is made in SA with South African consumers in mind. Calling itself a personal financial fitness coach, it was designed to empower users to grow their wealth by providing tools for budgeting, saving, investing, insurance and debt management for overall financial wellness. 

2. Spendee

It’s important for you to learn about your spending habits so that you can make necessary money-saving changes. This is exactly what this secure app does. It keeps track of your budget and how much you spend to give you a holistic overview and detailed breakdowns of your finances.

3. Goodbudget

You can sync this useful app to use on all your devices, and it uses the envelope method, splitting your income into different categories and allocating a certain amount of money to each one. This way, you’ll know what disposable income you have for your next shopping spree. 

4. Mint

Voted as one of the best budgeting apps by the global media, branding and technology company, Forbes, Mint is easy to use and also safe. It analyses the data from all your different accounts, tracks your spending, encourages saving and helps you create a livable budget.

5. Splitwise

Are you sharing the cost of groceries and bills with bae? Or maybe you are going with the girls on a trip? You can put all the expenses into this handy app, and it will tell you how much each person owes. This keeps things fair and prevents any unnecessary arguments.

All apps are available on Google Play and the App Store.