By Robert Berger



Today’s smartphone apps make it all too easy to spend money on everything from food delivery to in-game purchases. But that device in your pocket can also make you smarter about your finances, helping you to budget, pay down debt, cut unnecessary subscription charges, improve your credit score, save more and invest wisely—while monitoring your progress along the way.

We evaluated dozens of financial apps to arrive at six we think are worth considering. While some provide overlapping services, they each excel in a particular area. Plus, they suit different money personalities—from the planner who wants maximum info and analysis at their fingertips to someone who prefers to think less about money and to build wealth on autopilot. All six apps are available for both iOS and Android devices; keep reading to learn how they can help optimize your financial future.