The best finance apps 2020

Almost everyone wants to improve how they save and budget their money, irrespectively if we talk about personal or business finance-related issues. Thus, the tech world has taken notice by releasing a steady stream of financial tools to lend a hand. Moreover, fintech is steadily becoming the new norm and we better learn now&fast! From personal budgeting to the hefty task of a small business’ accounting procedure, apps in 2020 have it all.

Best apps for personal usage



Mint is one of the most well-known personal finance apps that provides your complete financial picture in one place. Once you link your credit and debit cards to your account, Mint pulls, categorizes transactions, and shows your expenditures. You can keep track of your bills and spending and create a budget you can stick to. Free access to your credit score is one of the more recent additions. Plus, you can track your investments and schedule utility payments. For bills that you manually pay, the app can send e-mail reminders or add the due dates to your phone calendar. You can use the app exclusively or access your account via a computer.

Personal Capital


Personal Capital is a personal finance and wealth management app that allows you to manage your assets and investments along with your everyday spending accounts. The service integrates with more than 14,000 financial institutions so you can link your accounts within the app. While you can track spending your monthly budget, the app shines through by helping you track & optimize your investments. You can track your portfolio by account, asset class, or individual security. Plus to compare your portfolio to major market benchmarks, it provides you with registered financial advisors who can come up with customized advice tailored to your goals.

Clarity Money


More and more companies are moving to subscription models. In the process, it’s easy to lose track of subscriptions you’ve signed up for. Clarity Money aims to help you stop throwing away unused subscriptions by helping you uncover and cancel subscriptions you’re not using. On top of getting rid of extra subscriptions, the app analyzes your spending behavior and gives you recommendations to improve your financial health. You can even create several savings funds with different goals. 

You Need a Budget


YNAB is undoubtedly for the committed user. It’s based on the zero-based budgeting system, and users must make a plan for every dollar they earn. It also requires a financial investment of either $84 a year or $11.99 a month, after a 34-day free trial. (Students who provide proof of enrollment get an additional 12 months free.) 

Best apps for business usage



Designed for non-accountants but used by professionals, QuickBooks is the big name around town for best finance apps. It’s easy to learn but incredibly powerful and can scale according to the size and needs of your business—from the software and the pricing model. Whether it’s basic accounting management for taxes, inventory and billable tracking, payroll, or close-up profitability analyses, QuickBooks does it all.



Everyone knows how frustrating it can be to manage a business’s payroll and benefits, all while staying compliant. If you’re more interested in skipping those tedious tasks, then Gusto is for you. Gusto automatically calculates and files state taxes for you, and it’ll let you easily onboard and pay employees, track sick and vacation time, and much more—paperlessly and on the go.



Previously known as ZenCash, InvoiceCare syncs with your accounting or invoicing system and helps you manage your accounts receivable from one platform. They’ll email and even call your late-paying customers, send thank-you notes, and keep your records fully organized.




Revolut is a digital bank. It started in 2015 as a travel card providing cheap exchange rates, and it is now slowly becoming a bank. It is the fastest-growing digital bank with the widest array of features. Revolut offers banking services including GBP and EUR bank accounts, debit cards, fee-free currency exchange, stock trading, cryptocurrency exchange, and peer-to-peer payments. Revolut’s mobile app supports spending and ATM withdrawals in 120 currencies and sending in 29 currencies directly from the app. It also provides customers access to cryptocurrencies such as Bitcoin, Ethereum, Litecoin, Bitcoin Cash, and XRP by exchanging with 25 fiat currencies.

On one hand, Finance is a tedious task if you are not really into it, on the other if you are keen on expanding your portfolio or financial habits, these apps are here to help you. Fintech is here and would most probably invade every banking transaction in the future, but for now, use one of these little helpers. If you got inspired or already have an idea in mind, Donatix will help you make this come true, don’t hesitate and drop us a line!