5 Apps to Organize Your Finances This Year

Apps don’t just have to drain your money or your time. If you want to get better at organizing your finances, this year, check out these five apps to help jump start your money goals.


Acorns is an investment app that focuses on investing spare change. With a new approach to an old school saving practice, Acorn rounds up purchases to linked credit and debit cards and invests it into your investment portfolio. Acorn is excellent for college students, and individuals who struggle to save. It’s a great app to get your feet wet for beginner investors. If you think you’ll automatically get rich by using this app, and investing small, think again. Personally, this app has been beneficial to me because there are no minimums to invest, it’s easy to use, and I don’t feel intimidated by learning as invest. Signing up for Acorns is relatively easy, one can sign up in four steps:

  1. Signing up on the web or downloading the app for free from iTunes, Amazon or Google Play stores.

  2. Choose a Round Up account

  3. Connect your checking account

  4. Create an investment account (based on the account that is most fitting for you current needs)

True Bill

This app has been beneficial in providing me with an overview of my spending habits. By using my data to create graphs that visually help me see how much I’ve spent, where I need to improve and examining my spending habits from month-to-month, I can see what "holes" exist in my financial habits.

My favorite tool provided by this app are the spending reports. Each month, the spending reports layouts my expenses and income. I can look at bar graphs, numbers, and a spending breakdown. Here, I can see what areas I've frequently spent my funds, my most significant purchases, fees, and interest.

I can also organize my purchases if I need to. However, because the interface is user-friendly and, usually categorizes my purchases correctly, I don't have to consistency categorize my spending categories

Imagine if you’d started saving an extra $100 this next month? Or, saved $5K in one year, using apps to help you achieve your goals? Although it’s hard to imagine, I believe its D-O-A-B-L-E.

Take a moment see what app may be useful to you this year. What are you waiting for? Go and start saving getting your coins together, now is the time to stack.


Formerly called Active Hours, Earnin is an app that provides alternatives to expensive payday loans. Realizing the struggle of people who have lived on a bi-weekly pay cycle, Earnin provides workers access to their money before pay-day. Here is how the app works:

  1. You share details about where you bank and work.

  2. Earnin uses your work location to note how long you’re at work.

  3. When you cash out (based on your cash out limits), your earnings go straight into the bank.

When you get paid a Direct Deposit, Earnin, deducts the amount of cash you cashed out.

Its focus is on building a community of people who look out for each other, and giving people access to their funds when they need them. In my experience of Earnin, it has been helpful to assist me when I need access to my money in an emergency. I will admit, It's hard not to depend on the app when you are a struggling millennial. Although it has unique features to protect you against things like overdraft fees, Earnin should not substitute an Emergency Fund.


I bet you weren’t expecting to see a Consumer reporting agency here, but, hear me out. Experian provides a monthly overview of your Credit Summary, Credit Reports and FICO Score from all 3 Credit Bureaus. You not only have access to your credit score rating but the ingredients that make up your number. This information is precious because they also provide an action plan and score simulator to assist you in reaching your credit goals. Although it cost $24.99 a month, I receive tons of benefits and know that the cost is worth it because I’m investing in a better financial future. Plus, I’m not shocked about my credit score.

Every Dollar

Every Dollar helps to create a budget where every penny you earn is assigned to your budget category. This app takes the zero-based dollar budget approach where your income minus all your expenses equals ZERO. Every dollar has a function, including the dollars you allocate to your savings. This budgeting tactic is useful for me because it prevents me from wasting coins when I have money left over and feel the need to get into a spending frenzy. Zero-based budgeting is not for everyone. It can be time-consuming to allocate every dollar but useful if you’re an individual who needs to see and assign where every dollar in your life.