Become a Personal Finance Management rock star! Whether your goal is paying off your debt, or building retirement savings Banktivity has you covered.

Ready or not, happy 2016! We always look forward to the new year and a chance to start anew, wipe our financial slates clean, set new goals, and rededicate ourselves to keeping a budget.

And this year is no exception. One of biggest keys to keeping a budget is finding the right budgeting and expense tracking method for you.

So without further ado, we give you the best budgeting and saving apps of 2016. NOTE: All apps listed below are for iPhone.

While we can’t speak to the availability or functionality on any other devices, many of them are available for Android. Paid Budgeting Apps We don’t often recommend spending money, but these apps may just be worth an exception.

Occasionally, paying for something can actually save you money, such as budgeting apps. Microsoft office for mac 2016 free download. If a few dollars spent equals many dollars saved, we give it two thumbs up. ($5.99 – 3.5 stars) This is the app that we’ve used for a few years, and we continue to use it. If you’re looking for an app that requires you to manually enter your income and expenses, this is a great option.

The setup is easy, you can make your budget as comprehensive as you’d like (or not like), while keeping it uncomplicated. Our favorite feature is that the app syncs between our devices so we can keep each other in the loop on our expenditures in real time.

It’s not totally perfect, but as one reviewer put it, HomeBudget’s the least bad money tracker out there. ($1.99/month – 4.5 stars) Coinkeeper has a fun interface of dropping “coins” into different expenses. Much like the “envelope system,” it’s nice to actually watch your money move from your accounts to your various categories. Its light, clean, simple design makes it easy and enjoyable to use. You manually enter your planned expenses and income, and it’s all visible in one place. The app is listed for free, but the premium (i.e., paid) option would be necessary for most to budget effectively.

It is developed in Russia, so some of the text and labels in the app are lost in translation, but all in all, this is a very worthy app. ($5.00/month – 3 stars) The latest and greatest version of YNAB (which stands for You Need A Budget) automatically imports your bank accounts and expenses, but you still create your custom budget. You use the phone app in companionship with the web app, which allows you to create a budget that’s whole and comprehensive. And although your expenses are automatically imported, you still manually categorize and approve them so that you remain an active participant in your budgeting (which we’re huge proponents of). As with HomeBudget, YNAB syncs between devices so you and your spouse/partner can stay up to date. Free Budgeting Apps You won’t spend a dime on these apps, but they may save you lots and lots of dimes.

If one of them sounds like it’ll fit your current budgeting needs, go get that freebie right now. (4.5 stars) Unlike the other two free apps listed below, Billguard automatically tracks your spending, rather than entering it manually. You simply add your accounts during setup and all of your expenditures will be imported for you. But what makes Billguard unique from other budgeting and personal finance apps of its kind is that you can review your expenses and approve them. And true to its name, Billguard alerts you of any suspicious or duplicate charges to help keep your finances safe as well.

Vlc download for macbook pro. Whether you end up using this app for tracking your budget or not, it’s worth downloading for this feature alone. (4.5 stars) This app is just a delight with its bright, simple design. This is a great option to get you started budgeting with just a few quick, easy steps.