The budgeting apps Australians rely on in 2024

Define what success looks like

Before you download every budgeting app on the App Store, decide the outcome you need—shared visibility, envelope-style categories, or automated bill predictions.

Create a simple scorecard listing must-have features, integrations, and subscription costs. This keeps glossy marketing pages from distracting you.

Test apps with real data

Import at least two months of transactions to evaluate syncing accuracy. Check how each app handles split payments, reimbursements, and unusual merchants.

Look for actionable insights rather than generic charts. Does the app nudge you when subscriptions renew? Can it predict upcoming expenses based on history?

Share accountability with your household

Choose an app that supports shared logins or guest access so your partner or flatmate can view progress. Align on spending limits and celebrate under-budget wins.

Review quarterly

Set recurring calendar invites to reassess categories, reset goals, and re-benchmark fees. Apps evolve quickly—stay ready to switch if a better fit appears.

“We tried three apps in two weeks. The one we kept saved us hours each month and finally aligned our goals.”

Protect your privacy

Enable multi-factor authentication, audit connected bank feeds annually, and delete exports from shared devices. Treat personal finance data like any other sensitive record.

• List must-have budgeting features.
• Trial apps with real transactions.
• Share dashboards with accountability partners.

1. Schedule quarterly reviews.
2. Evaluate subscription value annually.
3. Rotate passwords and secure backups.