Best budgeting app

Antonia says

If your finances are complex enough to warrant Moneyhub (ie, you have investments, pensions and other assets that you would like pulled into the big picture) then this is still a fraction of the cost you would pay for traditional financial advice. This little powerhouse of an app does more than just budget for you, it provides real-time insights into your overall financial health and your net worth.

There are also handy tips on how to optimise your mortgage and pension. This is for those who are serious about getting a handle on things.

Use this if:

• You want a long-term financial plan
• You want to include investments to gain an overall picture of your financial health

Antonia says

Emma has a lot going for it and it can certainly give you a clear view of all your finances so you can identify where your money is going. Effortlessly track your bank accounts, loans, and credit cards on an intuitive interface.

The subscription renewal alert is a useful money-saving tool (how many times have you renewed an old subscription without meaning to). However, some of the features are only available on the paid subscription plan (talking of subscriptions) so if you’re after custom categories or advanced analytics, you will be expected to pay for it.

Use this if:

• You have multiple bank accounts or credit cards and want an easy overview of them all in one place.
• You are looking to automate your budgeting for greater efficiency.
• You would like access to savings pots with interest.
• You are looking to improve your credit score

Clare says

If you think you may be paying over the odds for something, or have subscriptions automatically renewing that you don’t need – then Snoop may well save you a few quid. The recommendations of how to save money include suggestions for cheaper energy deals and discounted subscriptions. Snoop will also alert you when a subscription is due to renew so you can take action to cancel services you no longer require.

Use this if:

• You want a simple and effortless way to save money