This feature can categorise your spending into things like food or utilities and breaks it down on a month-to-month basis. Not only can you utilise the micro-investing or recurring deposit features as a tool to save via investments, but it also has a free ‘My Finance’ feature within the app that provides personalised insights into your spending. Raizįormerly known as ‘Acorns Australia’, Raiz is a micro-investing app that allows users to invest in a portfolio of ETFs (exchange-traded funds) through spare change ’roundups’, recurring investments, rewards and lump sum deposits.Īlthough it’s primarily an investment app, it also has features that are helpful for saving. Each of these apps offer various levels of functionality, either syncing with your bank accounts or requiring a slightly more manual approach, but their end goal is the same: to give you a categorical breakdown of your monthly spending so you can decide how and where to make cutbacks.

So if you want to finally put your phone to good use instead of aimlessly scrolling through Facebook at work (don’t kid yourself), here are, in no particular order, some of the most popular budgeting and savings apps available to Australians.Įxpense tracking apps are all the rage at the moment, with people downloading them by the tens of thousands. With the rise of personal computers, digital spreadsheets then became the go-to, until now.Īs smartphones fuse themselves into our palms, thousands of personal finance apps continue to spawn, including a large number of budgeting and saving apps which many people now use for their personal fiscal management. It sounds simple enough, but in reality, actually identifying what your problems are and finding practical ways to improve them can be challenging.īack in the day, people would pour through receipts on a Sunday night and write all their expenditure down. There are many ways you can save, like getting a lower rate on your home loan, going for a used car over a new one, cutting down on credit card interest and more. See Win 98 and Win 2000 to download software compatible with earlier versions of Windows.Here is ’s list of some of the most popular budgeting and savings apps available right now.

Free budget programs for windows