1. YNAB Turns You Into a Money-Master—One Dollar at a Time

You Need A Budget (YNAB) is intense—in a good way. It forces you to give every dollar a job before you spend it, making you hyper-aware of your money habits. Instead of tracking where your money went, YNAB helps you plan where it’s going. It’s ideal for people living paycheck to paycheck or trying to break that cycle. The app also has killer tutorials, so even total newbies can get the hang of it fast. It’s not free, but most users say they save enough in month one to pay for the whole year.

2. Mint Gives You a Full-View of Your Financial Life

Mint is the OG budgeting app—and it still holds up.