Best Budget App To Pay Off Debt

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With the launch of new banking apps from new banks and existing players, more Australians are using smartphones to manage their money every day.

Best Budget App To Pay Off Debt

But what are your options? To help you get started, here’s a list of seven Australian apps that can help you budget, save and manage your money, all from your smartphone.

Best Debt Payoff Apps [updated For 2023]

The fintech app Frollo is one of the most advanced money management tools available to Australians, with users able to link everything from bank accounts and mortgages to superannuation from over 100 financial institutions for a complete financial overview in one place . Frollo is also an early adopter of open banking, meaning it can provide near-real-time data to customers of participating banks.

Among its most useful features, the app allows users to set their own budgets, set and track goals, and access personal information, along with automatic categorization of expenses. There is also an account monitoring feature that alerts users before they log in. Frollo was also named the best money management app in the 2023, 2022 and 2021 Experts’ Choice Awards for Banking and Savings.

Where can you get it? The Frollo app is available for free download via the Apple App Store or Google Play.

A newly rebranded leading payment app is the solution to the debt securities problem. Send and request automatic payments to anyone with a Beem ID and let the app do the rest efficiently. It’ll also slow you down with friendly reminders (and fun, funny gifs) so you don’t have to.

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Powered by efpos and great security, Beem can be a great and secure way to keep track of shared living expenses, whether it’s travel, food, home sharing or more. You can also find shopping deals online or in store and get cash back with every purchase (just pay attention to the terms and conditions).

Where can you get it? Beem is available for free download via the Apple App Store or Google Play.

Looking to give your kids pocket money, but in the 21st century? Spriggy could be the ticket. Designed to give caregivers and families a 360-degree view of their kids’ finances, Spriggy helps you track your kids’ spending, teach them money management skills, and even get them a debit card they can eat out or come home later.

Better yet, there are plenty of safety features and safety nets (like spending limits and a pause/lock feature) so your childish winks don’t accidentally or intentionally trigger anxiety. You can assign tasks or jobs so that they can earn their allowance or learn to achieve goals. Visual savings. Financial Literacy FTW!

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Where can you get it? Spriggy is available for free download via the Apple App Store or Google Play, but please note that account and other fees will apply. For example, an annual family plan for up to 4 children costs $60 per year, and each additional child after five years costs an additional $10 per child. New members can get their first month of annual membership free (other terms, conditions and fees may apply).

Unlike the apps mentioned above, which aim to provide a more “full finance” approach, Finspoapps try to highlight banking costs. To do this, users can sync their mortgages, credit cards, bank accounts and savings accounts from over 100 Australian banks and institutions, and Finspo will then analyze that financial data and provide a range of personalized insights on an ongoing basis .

What kind of knowledge are you asking? Well, Finspo feels that many Australians don’t get the full mark when it comes to bank fees, so they’ll break down all the different fees and interest you’ll pay and show you how much you could save by switching. to “best value”. For example, the amount you can save each month by choosing a mortgage loan with a lower interest rate.

Where can you get it? The Finspo app can be downloaded for free via the Apple App Store or Google Play.

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What’s the problem with credit scores? We don’t blame you if you don’t know much about it, because frankly it can be a little confusing. Simply put, lenders and other financial service providers use a credit score (or rating) to determine how risky a borrower is.

This is where Flux comes in, because the Flux app can reveal to users exactly what their credit score is. The app can also be useful for those looking to improve their credit health, because Flux also offers users monthly updates to show them how their credit score is tracking over time, as well as personalized insights to show you what is causing the score to go up. or below

Where can you get it? The Flux app can be downloaded for free via the Apple App Store or Google Play.

WiseList is a money saving app with a difference. Aiming to help Australians save money on the go, WiseList allows users to create shopping lists and then compare prices on items from Coles and Woolworths. ). Heiken is helpful in crushing the rising cost of food.

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Among other features of the app, lists can be created collaboratively between family members, alerts can be set for specific items to notify you when they are displayed on special cards, and Flybuys and Woolworths Rewards cards can be added to the app for use at checkout. WiseList also has a separate account management feature that allows users to take pictures of their accounts, automatically extracting the most important information and sending an alert when needed.

Where can you get it? The WiseList app can be downloaded for free via the Apple App Store or Google Play.

Drowning in debt? WeMoney can throw you a string. Marketed as a free “social financial wellness” app for tracking and paying off debt, WeMoney offers users community advice and cutting-edge technology to help them take charge of their money.

Thanks to a number of features, users can track bills, cancel any sneaky subscriptions that affect their budget, and compare personalized offers on debt consolidation loans. WeMoney claims that the average member improves their credit score by 63 points after just 9 months of signing up for their service. Very impressive!

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You can also combine accounts from over 400 banks, credit cards, Supers, buy now pay later services and more so you can have an overview of all your finances. Set savings goals and collect financial advice from other WeMoney community members for extra incentive to pay off debt.

Where can you get it? The WeMoney app is available for free download via the Apple App Store or Google Play.

These are just a few of the many apps available to economy-conscious Australians. For more useful options, head over to our FinTech hub to read our reviews of a range of Australian banking apps.

Money management, budgeting and payment apps are not the same as a mobile banking app. The Amobile Banking app is just a copy of your banking app, while the rest act as a budget tracker or payment methods.

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This doesn’t mean your mobile banking app can’t have budgeting or payment tools, the only difference is if the app monitors your actual bank balances.

Mobile apps have quickly become the most popular method of banking for most Australians, followed by online banking. Its convenience, affordability and practical nature make it an empowering and preferred way to display your finances.

Unless you manually enter your bank balances and purchases, most budget tracking apps will require you to link the app to your bank account. This allows the app’s AI to track your purchases, which it then aggregates into an audit of your spending/saving habits.

While every app is different, most reputable budgeting apps use end-to-end bank-grade encryption to protect your data. They may also ask you to set up multi-factor authentication to prevent unauthorized users from logging in and stealing your information.

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If you’re concerned about the app itself collecting and selling your data, it’s important to read its terms of service and privacy statement first. If a product and its services are free, it’s safe to assume that you are the product.

Provides general information about the product. We do not take into account your personal goals, financial situation or needs and do not recommend any specific product to you. You should make your own decision after reading the PDS or submitting documentation, or seek independent advice.

While we pride ourselves on covering a wide range of products, we do not cover every product on the market. If you choose to order a product through our website, you will be dealing directly with the supplier of that product and not with us.

Evelyn comes from a diverse background in film, music production and creative writing, and is passionate about putting financial issues into perspective.

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