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Best budgeting apps in Ireland
Find out which budgeting apps to use to help you save money. Here's who we ranked as the top 10 best budget and money-saving apps.
Using your mobile phone or tablet to take control of your finances has never been easier. We’ve rounded up some of the best money management apps on the market (in no particular order) to help you get your money situation sorted.
Must read: Looking for the best budgeting app?
There’s no single personal finance app that’s best for everyone as all our needs are different – and what’s best for you might not be best for someone else. Keep in mind that we don’t compare every product in the market and this isn’t an exhaustive list, but we hope that our tools and information will allow you to compare your options and find the best budgeting app for you.
1. Spending Tracker
You’ll be able to track your spending on a weekly, monthly or yearly basis and set a budget so you can’t overspend. Some more features include:
- Create categories for your income streams
- Easily view your current spending habits and go back in time to understand your biggest areas of spending
- Set a fixed budget to avoid overspending and carry over the remaining balance to the next budgeting period
- Free (Pro Upgrade is available for €3.49)
| Google Play | Apple Store | |
|---|---|---|
| Rating | 4.6 | 4.6 |
| # of reviews | 51,897 | 202 |
Compatibility: Available for iPhone, iPad, iPod touch and Android
2. You Need a Budget (YNAB)
Use this app to connect to your bank and sync your spending and get to grips with all your incoming and outgoing expenses. Generate customisable reports to see the trends in your spending habits and get your budgeting queries answered via live chat support. Here are some of the other features:
- Use the debt paydown tool to get yourself out of debt
- Create saving targets so you can reach your goals faster
- Manually add any extra expenses
- See your spending across a number of devices to simplify budgeting with a partner
- Pay an annual fee (Free trial available for 30 days)
| Google Play | Apple Store | |
|---|---|---|
| Rating | 4.4 | 4.8 |
| # of reviews | 7,675 | 148 |
Compatibility: Available for iPhone, iPad, iPod touch and Android
3. Spendee
You can connect to your bank account in Ireland and automatically sync and view your transactions with this app. You’ll also be able to track utility bills so the due dates won’t ever take you by surprise. Use the app to:
- Learn about your own spending habits and use the tips and tricks to help with your financial decisions.
- Create and categorise your budgets so that you can save money in areas where you spend the most
- Manage multiple currencies for when you’re overseas
- Manage money to help with splitting bills with family and friends
- Free
| Google Play | Apple Store | |
|---|---|---|
| Rating | 4.6 | 4.5 |
| # of reviews | 51,897 | 194 |
Compatibility: Available for iPhone, iPad, iPod touch and Android
4. Money Lover
This app allows you to easily manage your finances and will alert you if you overspend on the budget that you set yourself. Here are some of the other features:
- Create and track your saving goals and stay on track
- Sync across a number of devices to keep your finances on track
- Use the goal wallet to squirrel away your spare cash just like a piggybank
- Never miss a payment again with the credit card wallet that alerts you to upcoming bills
- Check the financial reports to look at the bigger picture
- Free
| Google Play | Apple Store | |
|---|---|---|
| Rating | 2.9 | 4.5 |
| # of reviews | 30,216 | 194 |
Compatibility: Available for iPhone, iPad, iPod touch and Android
5. Splitwise
Splitwise is quite useful for people in shared housing, like students living at uni. The app can organise the household income and spending. It works out what you and your flatmates have spent and who owes money to who. It’s a handy tool for keeping track of debt and runaway spenders.
- Keep track of flatshare bills, group trips and random IOUs.
- Everyone in a shared household can log in, see their balances and add new expenses.
- Get notifications with every update or just when important bills are due.
- Free
| Google Play | Apple Store | |
|---|---|---|
| Rating | 4.4 | 4.7 |
| # of reviews | 110,431 | 53 |
Compatibility: Available for iPhone, iPad, iPod touch and Android
Have you considered banking apps with savings features?
Some banks also have mobile apps that offer features to help you track your budget, set savings goals and manage your finances with calculators and tools. Here are some of the banks with mobile apps that can help you get closer to your savings goals.
6. Revolut
Revolut is a global banking app that offers international currency exchange, travel insurance, cryptocurrency facilities, virtual cards, budgeting tools and more. Use the app to:
- Split bills with family and friends
- Understand your spending habits through analytical tools and categorisations
- Track all your reoccurring payments so you never miss a payment
- Use the Vaults to round up all your purchases to the nearest euro and save towards different goals
- Free with the Standard plan
| Google Play | Apple Store | |
|---|---|---|
| Rating | 4.7 | 4.9 |
| # of reviews | 1.1 million | 116,100 |
Compatibility: Available for iPhone, iPad, iPod touch and Android
7. N26
N26 is a digital bank account that lets you save and budget, transfer money to other N26 users, optional travel insurance and cashback. Other savings features of the app include:
- Get insights into your spending
- Create up to 10 Spaces that allow you to budget and save
- Share Spaces with up to 10 other N26 users
- Save by rounding up your purchases to the nearest euro
- Free with the Standard plan
| Google Play | Apple Store | |
|---|---|---|
| Rating | 3.9 | 4.8 |
| # of reviews | 95,146 | 5,600 |
Compatibility: Available for iPhone, iPad, iPod touch and Android
8. bunq
The bunq bank account lets you create up to 25 bank accounts with unique IBANs. You can also benefit from savings and budgeting tools, money transfers through Wise (formally TransferWise) and no foreign exchange fees. Other savings features of the app include:
- Take a look at your spending through the personally generated insights
- Categorise your spending so you can start making savings
- Use the Receipt Splitter to share a receipt with family and friends so they can easily pay you back
- Create an activity to automatically add payments to a shared pot
- Monthly subscription for each available plan
| Google Play | Apple Store | |
|---|---|---|
| Rating | 4.0 | 4.5 |
| # of reviews | 14,850 | 74 |
Compatibility: Available for iPhone, iPad, iPod touch and Android
Compare a range of digital banks in Ireland
Bottom line
If you’re serious about saving then you’ll have plenty of options to ensure you can keep a track of your spending on the go. Use our roundup of some of the best budgeting apps available in Ireland and compare the features against what you need the most support with.
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