When I invested in money saving apps, it has been life-changing as I have painlessly been able to put money away for a holiday.
…and I haven’t been away on a decent family holiday for years now!
But what suit me may not suit you – and vice versa.
So I’ve put together a list of the 20 Best Money Savings Apps for Busy Mums – the most user-friendly, well-reviewed apps that make managing your money much easier!
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1. Raiz (Formerly Acorns)
Raiz links to your bank account and savings accounts and ’rounds up’ all your spending and invests those round-ups into a share portfolio.
Pros: It is a great way for small investors to get used to how the stock market works and get a foot into investing. It is also a great way to save money painlessly. Plus if you refer the App to your friends and family, you get a $2.50 kickback to your Raiz account!
Cons: I do always worry about apps that are linked to my personal funds; however it is all Government approved (and most Apps listed here all do the same…)
CHECK OUT RAIZ HERE
App 2: You Need a Budget
- Cost: FREE (for the first 34 days – $6.99/month afterwards)
- Money Saving Apps Availability: Android, iOS, Web, and Alexa
You Need a Budget is very popular because aside from helping you stay on top of your budget, it will actually help you get out of debt. The simple method it uses? Prioritising and “giving each dollar a job.”
Pros: It is very straightforward, and according to the website, new budgeters are able to save an average of $600 by the second month and $6000 after the first year. Sounds pretty nifty.
Cons: It is a paid app; therefore, it’s an added expense. However, if the claim above is true, you’re getting a pretty good deal.
App 3: Pocketbook
This app allows you to see not just your spending but also your balances and your bills. You can connect your bank accounts to it to make it work “smarter” and automate your transactions.
Pros: You can manage your bills on top of tracking your spending and managing your other expenses. Plus it syncs across different devices.
Cons: Like the first app, Acorns, linking your bank accounts to the app may or may not be a risk depending on how you look at it.
App 4: Wally
- Cost: FREE
- Money Saving Apps Availability: Android and iOS
Made by real people with real financial challenges, this top-rating app helps you understand where your money goes by letting you keep track of your budget and your spending.
Pros: It’s a very straightforward app that contains enough features for someone wanting to manage their personal finance better. Also, no ads!
Cons: This may be a bit too simple for someone with advanced needs. Also, there’s no option to sync the app between devices yet.
App 5: Splitwise
Whether you’re not a math-whiz or just couldn’t be bothered, this app makes sure that everyone gets paid back. This is the must-download app if you’re fond of sharing expenses like bills and rent.
Pros: It’s a free app that does the math for you. What’s not to love?
Cons: Sending reminders to friends who owe you money might be too much for weaker relationships.
App 6: Good Budget
- Cost: FREE (for the first 10 envelopes – $6/month for the premium account)
- Money Saving Apps Availability: Android and iOS
Good Budget is a household app that uses the envelope budgeting method. It allows you to craft a budget, divide it into categories, and help you not go over your spending limit per category.
Pros: This is absolutely fantastic if you’re used to using the envelope method. Even if you’re just learning, it’s quite easy to use and it helps you be self-disciplined.
Cons: If you’re not fond of the envelope method, this may not work for you. Also, only the first 10 envelopes are free.
App 7: Mint
Mint is probably one of the most popular finance apps out there, and for good reason. Aside from helping you stay on top of your budgets and bills, it also helps you track your credit score.
Pros: The many features of Mint make it a favourite among money-conscious individuals and people who like knowing their credit score at a tap of their finger.
Cons: However, for people who only need a simple budget, this app can be a bit overwhelming.
App 8: Digit
- Cost: FREE (for the first 100 days – $2.99/month afterwards)
- Money Saving Apps Availability: Android and iOS
Digit analyses your spending, income, and potential savings. You don’t even have to think of saving — the app does it for you and transfers your savings from your checking account to the app.
Pros: It never tries to save more than what you can afford. It offers a no-overdraft guarantee. Also, you can access your savings anytime.
Cons: Your money is going to be stored in the app instead of in the bank, so there’s some risk level. However, it assures its clients that their money is 100% safe.
9. The Finder App
Cost: FREE
Money Saving Apps Availability: Android and iOS
The Finder App is a money-saving app that is free to download and use. It has been created to help people save money on groceries, travel, and more. The app works by finding deals and coupons from a variety of sources, including supermarkets, retailers, and brands. It then applies the discounts to your total bill, meaning you could save a lot of money on your weekly shopping.
Pros: It’s very easy to use and can be accessed on both iPhone and Android devices. The app also provides users with a variety of different deals and coupons, meaning there is something for everyone.
Cons: However, one of the main cons is that it can be difficult to find the best deals unless you know where to look – especially when categorising offers. Also, at this time of writing, it doesn’t integrate Afterpay and Zippay accounts.
10. ATO
Cost: FREE
Money Saving Apps Availability: Android and iOS
The ATO Savings App by the Australian Taxation Office is used to help you manage your taxation and general expenses. One of the main pros of the ATO Savings App is that it can help you to save money on your taxes by tracking your earnings, savings, and expenses – whether you’re a business owner or an individual. Another pro of the ATO Savings App is that it can help you to manage your general expenses. The app allows you to track your spending and create a budget. This can help you to stay on top of your finances and avoid overspending.
Pros: One of the main pros of the ATO Savings App is that it can help you to save money on your taxes. By using the app, you can keep track of your tax-deductible expenses and make sure that you claim everything that you are entitled to. This can help to reduce your tax bill, and could even lead to a refund.
Cons: It helps save money in the long run, but it doesn’t guarantee you the exact payment of taxes. Just close enough as it is.
11. Pocketsmith
Cost: FREE for the Basic Plan ($9.95 per month for Premium Plan; and $19.95 per month for Super Account)
Money Saving Apps Availability: Android and iOS
Pocketsmithis a money management tool that aims to help users get their finances in order. The app starts with users inputting their income and debts, followed by their monthly expenses. From there, the app creates a budget that allocates money to different spending categories. Overall, the Pocketsmith budgeting app is a helpful tool for people who are looking to get their finances in order.
Pros: It has a good range of features including Automatic bank feeds, Automatic and manual transaction importing. Automatic categorization, budget, accounts, and future projection.
Cons: The app is free to use, but it has its limitations. It costs $9.95 per month. For people who are struggling to get their finances in order, this cost may be prohibitive.
12. Expensify
Cost: FREE
Money Saving Apps Availability: Android and iOS
The Expensify expense tracking app is a great tool for businesses to encourage cost savings. The ease of use and functionality make it easy to track expenses and keep track of receipts. Additionally, the credit cards attached to the account act like debit cards, making it easy to pay for expenses without having to carry cash!
Pros: The app has a lot of pros, such as the fact that it encourages employees in tracking the cash flow of the company. The app is also easy to use and has a lot of functionality.
Cons: The card integrations need a lot more working on. Plus, there are multiple companies that can’t easily integrate within the system using the cards.
13. MoneyBrilliant
Cost: FREE for the Basic Plan and $9.99 per month or $98.99 per year for the Premium Account
Money Saving Apps Availability: Android and iOS
MoneyBrilliant is quickly gaining popularity among Money Saving App users. The app connects to your bank accounts and allows you to monitor your finances, track expenses, view your savings, and create a budget. It also provides bill notifications to help you stay on top of your bills.
Pros: On the plus side, MoneyBrilliant has a lot of depth of category choice. You can even create your own subcategories. This is great if you want to be really specific about where you’re spending your money.
Cons: The dashboard with “Safe Spending” and “Activity” gets people’s nerves. If only there was a way to customize the dashboard.
14. TrueBill
Cost: FREE for Basic Plan and a sliding scale between $3-$12/month
Money Saving Apps Availability: Android and iOS
It’s very easy to use and it’s a great way to see all of your subscription bills in one place. You can also set up autopilot savings so that you don’t have to think about it. The app also provides spending insights and credit scores. The bill negotiation feature is also a great way to save money.
Pros: It’s intuitive and easy to use. It lets you see all your paid subscriptions you need to cancel – especially the ones you forgot!
Cons: It has a “sliding payment” not a fixed one. Many people are wary of the charges they have to pay for the service.
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15. Frollo
Cost: FREE
Money Saving Apps Availability: Android and iOS
The Frollo savings app has been named the Best Money Management App of 2022 in Australia by Mozo. The app allows you to track all of your accounts in one place, set budgets by category, and track what you spend. The app also provides smart insights into your spending habits and trends. You can also set up a budget and track your bills automatically. The app also includes a assets and liabilities section so you can see your net worth at any time.
Pros: It’s easy to use and comes with some great features, like bill tracking and smart insights. Plus, it’s free to use!
Cons: However, the app does have some cons. For example, it is only available in Australia and New Zealand, and it does not offer any investment options or advice.
16. WeMoney
Cost: FREE
Money Saving Apps Availability: Android and iOS
The WeMoney savings app is a free money management tool that gives you the ability to see all your accounts in one place, set monthly budgets and money goals, track your payday, and check your credit score for free. The app also provides insights into your spending and saving habits, allows you to automatically categorise transactions, and track bills, wasteful subscriptions and recurring payments.
Pros: By bringing all of your financial accounts into one place and providing insights into your spending and saving habits, the app aims to help you make smarter decisions with your money.
Cons: Limited integration of platforms and cards, plus bugs sometimes occurs with the accuracy of the data displayed on the app.
17. Sipora
Cost: FREE
Money Saving Apps Availability: Android and iOS
Sipora is an app created to help people save money on their everyday purchases. It does this by automatically rounding up the total cost of your purchase to the nearest dollar and transferring the difference into a savings account. This may not seem like much, but over time it can add up to significant savings. The app also offers cashback rewards on select items, which can further boost your savings.
Pros: One pro is that it can help people to save money. This is because they will be less likely to impulse buy items if they know they need to save up for them.
Cons: The app only works with certain merchants, so you may not be able to use it for all of your shopping needs.
18. Piggy Goals
Cost: FREE and $2.99 – $6.99 per item
Money Saving Apps Availability: Android and iOS
Piggy Goals is a free app that helps you set aside money for different goals. You can choose to save for a rainy day fund, a new car, a vacation, or anything else you want. The app makes it easy to see how much you need to save and track your progress. Plus, it doesn’t charge any fees, so all of your savings go towards your goal.
Pros: It’s a simple, straightforward, and free app to use! You also don’t need a connection to the internet.
Cons: This app only allows you to save and track your expenses. Other upgrades will cost $2.99 – $6.99 per item.
19. Fudget
Cost: FREE and $1.49 per item
Money Saving Apps Availability: Android and iOS
Fudget is a money-saving app that has a lot of potentials. It allows users to keep track of their incomings and expenses with ease. The app also provides a one-tap solution for adding and editing expenses. Additionally, the app has the ability to start an income/expense to repeat it on future budgets. Fudget is also Universal, meaning it can be installed on any device. Finally, the app allows users to select their choice of currency symbols.
Pros: It’s extremely convenient for users who want to keep track of their finances on the go.
Cons: Like Piggy Goals, it’s a straightforward budgeting app with little to no integrations.
20. PocketGuard
Cost: FREE for Basic Plan (PocketGuard Pro version costs $4.99 a month or $34.99 a year)
Money Saving Apps Availability: Android and iOS
PocketGuard links to all of your accounts in one place and helps you keep track of your spending, bills, and account balances. It also has a feature called Autosave which will automatically save money for you based on how much you want to save.
Pros: There are definitely some pros to using PocketGuard. Being able to see all of your accounts in one place is very helpful. It’s also great that it can help you negotiate better rates on things like your cable bill.
Cons: It also charges a monthly fee if you need more customizations.
21. Half Price App
Cost: FREE (upgraded items and in-app purchases will cost you $0.99 – $2.99 per item)
Money Saving Apps Availability: Android and iOS
If you’re looking for a way to save money on your grocery bill, the Half Price app is a great tool to have in your arsenal. It provides users with the latest half-price specials from Coles and Woolworths, so you can build up a shopping list of items that are heavily discounted.
This not only saves you money but also allows you to stock up on items when they are at their lowest price. All of the data is updated on Wednesday mornings, so you’ll always have the most up-to-date information at your fingertips. Give the Half Price app a try next time you’re planning your grocery shopping and see how much you can save!
Pros: Allows you to see special deals from Coles and Woolworths so you can bulk up items to buy.
Cons: The app can be a bit buggy.
22. Out of Milk
Cost: FREE
Money Saving Apps Availability: Android and iOS
Out of Milk is a grocery list app that lets you create and manage lists with friends and family. With Out of Milk, you can share your lists, add items from history, and scan barcodes to track your shopping. Out of Milk also offers list ideas, pantry management tips, and essential household supplies lists. The Out of Milk app is fully customizable and easy to use.
Pros: The good parts are that you can easily share your list with friends and family, and the app has a nice selection of pre-made list templates. You can also add items to your list by scanning their barcodes, which is a really neat feature.
Cons: Some users have found the app to be unreliable and difficult to use. For example, it’s often difficult to edit items on your list, and the “Cart” feature doesn’t always work properly.
23. WiseList
Cost: FREE but with in-app purchases with various range of costs
Money Saving Apps Availability: Android and iOS
If you’re looking for a handy meal prep, grocery shopping and budget app in Australia, WiseList is a great option. WiseList’s grocery delivery service makes it easy and cheap to order from groceries stores all over the country. Plus, the WiseList app includes a price comparison feature so you can be sure you’re getting the best deal possible.
Pros: Comes with a lot of features. WiseList is a handy tool that can save you time and money on your groceries and it’s fairly easy to use!
Cons: First, the 100K+ recipes included in the app may not all be available in your area. Second, the WiseBill feature only works if you have an Australian-based bank account.
24. ShopFully App
Cost: FREE
Money Saving Apps Availability: Android and iOS
The ShopFully App is a great way to save on your grocery shopping. You can easily find the latest deals and specials in nearby stores, and get access to the best products on sale. You can also create your shopping list and see how much you can save.
The ShopFully App is a great tool for saving money on your groceries, but it’s important to remember that not all deals are equal. Some deals may be better than others, so it’s important to compare the prices of different products before you make a purchase.
Additionally, some retailers may offer better deals than others, so it’s worth taking the time to research your favourite retailers in advance. By taking advantage of the ShopFully App, you can save a significant amount of money on your grocery shopping.
Pros: The ShopFully App is a great way to save on your grocery shopping and so much more. It’s also user-friendly and easy to navigate. With the latest deals and offers from your favourite retailers, it’s easy to find the best products on sale and create a shopping list that can help you save big.
Cons: The app has a limited number of retailers. Plus, the ads can be irritating to some users.
25. Buy Me a Pie
Cost: $49.99
Money Saving Apps Availability: Android and iOS
Buy Me A Pie App is a grocery list app that promises to save you time and money. It features a simple interface that allows you to create and manage your shopping lists, as well as share them with family and friends. The app also claims to be able to track prices and notify you of specials, helping you to get the best deals on your groceries.
Pros: Buy Me A Pie is a grocery list app that can save you time and money. You can put your list on your phone or tablet. You can share your list with family or friends, so everyone can add items.
Cons: Additionally, the price tracker can be unreliable, and the notification system is often slow to alert users of special deals. Generally – synching issues.
26. ShopJam
Cost: FREE (might have in-app purchases)
Money Saving Apps Availability: Android and iOS
ShopJam is a new app that promises to help shoppers make healthier choices by providing clear and concise information about the products they are considering. The app uses a unique rating system to evaluate the nutrition, ingredients, and additives in packaged foods and then assigns each product a score based on its potential impact on health.
Pros: ShopJam also provides users with information about the organic status of each product, as well as whether or not it contains genetically-modified ingredients.
Cons: However, some are critical of ShopJam, claiming that it oversimplifies the complex issue of food healthfulness and does not provide enough context for users to make informed decisions about what they eat.
27. Smart Cart
Cost: FREE (even with Chrome extension)
Money Saving Apps Availability: Web extension Chrome
Smart Cart App is a new and revolutionary way to shop for your groceries. With Smart Cart App, you can compare your entire cart between Coles and Woolies and the market so you can always get the best possible price for your weekly groceries shop. Just shop as normal and look out for the compare price button to instantly have your cart analysed and compared for the best price.
If it’s cheaper somewhere else we can also rebuild your cart so you don’t have to worry about finding all of your products again. SmartCart also automatically applies promotional codes at the checkout so you always get the best price for the things you want.
Pros: SmartCart will find and apply Woolies discount codes. And can also apply Coles discount codes. Smart Cart App is changing the way we grocery shop, and there’s no going back.
Cons: First, the app only compares prices between Coles and Woolies, rather than considering all of the different supermarkets that are available. This means that shoppers could potentially be missing out on getting the best possible price for their groceries.
28. OurGroceries
Cost: FREE for basic plan – US$1 per month for a monthly subscription, US$6 per year for a yearly subscription, and US$10 for a lifetime (one-time) upgrade. Subscriptions start with a 7-day free trial.
Money Saving Apps Availability: Android and iOS
We all have that one person in our family who forever forgets to add something they need when it’s time for checkout. With OurGroceries, you can keep track of your shopping lists and have them instantly synced across every phone or tablet with an internet connection!
You’ll also be able to see any changes made by other members on the same list—so no more forgotten items again (unless someone else makes note); just peace knowing everything has been taken care of while everyone goes about their day.
Pros: OurGroceries is a great way to keep track of your shopping list and make sure that it is always synchronized across all devices. OurGroceries is a great app for families who want to save time and money by doing their grocery shopping together.
Cons: OurGroceries doesn’t always accurately estimate how much of an item you need, which can lead to over-buying or under-buying. And if you forget to update your list after you’ve bought something, you may end up with duplicates.
29. Mealine
Cost: FREE, Mealime Pro subscription at $2.99 USD / month.
Money Saving Apps Availability: Android and iOS
Mealine is a great way for busy people to plan their meals and eat healthier. It’s easy to use and highly customizable, so you can easily tailor it to your unique needs. The best part is that it takes the guesswork out of grocery shopping and meal planning. With Mealine, you’ll always know exactly what to buy and how to make delicious, healthy meals in about 30 minutes or less.
Plus, Mealine Pro includes additional features that make meal planning even easier, like a built-in grocery list and the ability to have your groceries delivered right to your door. Whether you’re trying to eat healthier or save time and money, Mealine is a great solution. Give it a try today!
Pros: Mealime is an app that helps you plan your meals. You can choose recipes that fit your tastes and lifestyle. Mealime makes it easy to cook healthy meals in about 30 minutes or less. You will also save money and reduce food waste. Mealime Pro includes additional features like grocery list delivery and personalized meal plans.
Cons: One downside is that it can be expensive if you are not careful with your recipe selections. Another downside is that some of the recipes can be time-consuming to prepare.
30. SuperCook
Cost: FREE
Money Saving Apps: Android and iOS
SuperCook is a revolutionary way to find recipes based on the ingredients you have at home. No more wasting time looking for recipes that require ingredients you don’t have – with SuperCook, you’ll always have a variety of delicious options to choose from.
Here’s how it works: simply visit the SuperCook app and add all the ingredients you have at home to your virtual pantry. SuperCook will then generate a list of recipes that include those ingredients. So whether you’re looking for new ideas for dinner tonight or want to get creative in the kitchen, SuperCook is your go-to solution.
And best of all, SuperCook helps reduce food waste by making it easy to use up all the ingredients in your pantry. So why not give SuperCook a try today? You’ll be amazed at the endless possibilities.
Pros: SuperCook is a great way to find recipes. You can put in the ingredients you have and it will give you recipes. SuperCook helps reduce food waste by using up all the ingredients you have. It is a great way to get creative in the kitchen.
Cons: First, the app requires users to input all of the ingredients they have on hand. This could be difficult for people who don’t know exactly what they have or for those with large pantries. Additionally, SuperCook only provides recipe ideas, so users will still need to do some additional work to find a complete recipe.
31. Frugl
Cost: FREE
Money Saving Apps Availability: Android and iOS
Frugl is a new grocery shopping app that promises to help you find the best deals on groceries and compare prices between major supermarket retailers. The app has a database of over 45,000 products and claims to be able to show you the best prices for each product.
You can also create custom lists or household lists, and the app will keep track of how much you could save money if you bought all the items on your list at the lowest price. Additionally, Frugl lets you filter out products that contain allergens or other dietary requirements.
Pros: It helps you find grocery deals and compare prices between major supermarket retailers. The app also allows you to filter out products by allergen/allergy, fat, or sugar content, and create custom or household lists. You can also keep track of your savings and spending.
Cons: First, the app is only available in Australia, so users in other countries will not be able to access it. Second, the app does not always accurately reflect the actual prices of products, so you may want to double-check before making a purchase.
32. Everyday Rewards
Cost: FREE
Money Saving Apps Availability: Android and iOS
The Everyday Rewards App is a great way to get the most out of your Woolworths Rewards. With the app, you can view your boosters on the go, discover contactless Woolworths eReceipts and collect points with a scan of your smartphone at Woolworths supermarkets, BWS, BIG W and participating Caltex & Caltex Woolworths. Plus, you can check the app for ways to boost your points, catch exclusive extras, and find more of your favourites.
Pros: Woolworth’s lovers will like this! The app makes it easy to keep track of your points and find ways to boost your points total. Collect points and use them to purchase for your future needs!
Cons: Some users have complained that the Everyday Rewards App is difficult to use and that it frequently crashes.
33. Flybuys
Cost: FREE
Money Saving Apps Availability: Android and iOS
Flybuys is a loyalty program that allows you to collect points every time you shop. You can then redeem these points for money off your next purchase. The Flybuys App makes it easy to keep track of your points balance and check for personalised offers. It also allows you to redeem Flybuys dollars for money off your next shop.
Pros: With the Flybuys App, you can get loyalty points for shopping. Scan your card when you check out and get personalised offers. Watch your points add up and then redeem them for money off your shopping bill.
Cons: For example, it can be difficult to find offers that give you bonus points, and the points tracker is not always accurate.
34. FoodSwitch
Cost: FREE
Money Saving Apps Availability: Android and iOS
FoodSwitch is a mobile app that allows users to make healthier food choices by scanning a product’s barcode and getting information on its nutritional value and healthier alternatives. The app also has a nutritional tracker and nutrient details, as well as a health star rating mode.
FoodSwitch is an easy way to help develop healthy habits when grocery shopping. It is also helpful for people with gluten sensitivities, as it can easily identify products containing gluten. The app could be improved by allowing users to share photos of items that they are not able to scan, in order to expand the product database.
FoodSwitch is a useful tool for making healthier choices and it is recommended for anyone looking to improve their diet.
Pros: The FoodSwitch App is a great tool that can help you make healthier food choices. Simply scan a barcode to get its nutrition facts and healthier alternatives. Whether you’re looking to shop for healthier food, diet, determine calories, or avoid gluten, FoodSwitch will help you develop healthy habits when grocery shopping. However, there are some drawbacks.
Cons: For example, the app does not currently have a barcode scanner for products that do not have one. Additionally, the community-based sharing feature is somewhat limited.
35. Listonic
Cost: FREE
Money Saving Apps Availability: Android and iOS
Listonic is a free app that helps you make grocery lists and checklists. It’s simple to use and you can share lists with family members. Listonic also has a voice input feature so you can make lists quickly and easily. The app sorts shopping items by supermarket categories so you can find what you need quickly.
You can also add prices to products to keep track of your spending. Listonic is a great tool for anyone who wants to save money and time when shopping.
Pros: It’s easy to make a checklist and share it with your family. You can also use voice input to make lists quickly. The grocery items are sorted by supermarket categories so you can find products faster. You can also keep track of your food and pantry with this app.
Cons: It’s difficult to set up and use the sharing feature, which is supposed to be one of the main selling points. Additionally, the voice input feature is often inaccurate, which can be frustrating when trying to make a grocery list.
Did your favourite app make it on our list?
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