5 Personal Finance Apps for Freelancers

In this day and age, too many people fall victim to overspending and living paycheck to paycheck. When you earn your money through freelance work, it can be even more difficult to stay on track as your income is always fluctuating. So how does one break out of this financial rut? Here are some apps that can help you to budget and manage your money, keep track of spending and even start saving some of that hard-earned cash.

Mint.com is a great site to help you organize and track your finances. You can track, budget and manage your money all in one convenient location so that you can see your financial status at any given point. It can help you see where your money is going and figure out where you can cut back and save. Just add your checking and savings accounts, credit cards, investments and retirement accounts, and Mint will categorize your transactions. It will also create a customized budget based on your actual spending and show you what you available to spend in easy-to-read graphs.

Available for: iPad, iPhone, Android phone and Android tablet
Cost: free

SmartyPig is an online savings account or “piggy bank” designed to help you save money to reach your financial goals. Whether your desire is the latest electronic gadget, a vacation, a car, a house or something else entirely, you can set up an account, create your goals and start saving. This can help you to avoid the “buy now, pay later” approach, which can cost a lot more in interest. Instead, you will save money in advance so that you can pay cash for the item you desire.

Available for: iPhone and Android
Cost: Free

iReconcile is a good app for anyone wanting to keep a close watch on his/her finances. With this app, you can keep an advanced register, create a budget, generate customized reports and reconcile your statements. You can also search for transactions and set up auto-postings of regular transactions.

Available for: iOS devices
Cost: $2.99

With numerous features such as spending trends, recurring expenses, budget rollover and bill tracking, this is a great app for freelance business and personal finances. It also allows you to import your information directly from Quicken for easy budgeting. You can generate reports, sync information with other family members and back up your data.

Available for: iPhone and Android
Cost: free for the lite version, full version is $4.99

With an expense tracker, budget planner, checkbook manager and bills reminder, this app has everything you need to manage your finances. Analyze your spending habits with the generated reports, receive notifications of upcoming (or missed) bills and keep track of multiple accounts (including accounts with foreign currencies). Its ease of use makes it an excellent option to help manage your finances.

Available for: Android
Cost: 30-day free trial, premium version costs $9.95

Whatever your financial situation may be, surely one of these apps can help you to find success in reaching your financial goals.

Chris Turberville-Tully works with Better Business Decision, Bright Pearl accountants in the UK. Better Business Decision offers accounting, stock management, currency transactions, VAT returns, payroll, end of year tax returns and tax planning services.

All attached images are author owned


  1. virtual office on November 28, 2012 at 11:10 pm

    Thanks for these apps mentioned above. It is very useful to all the freelancers to monitor their pay out from their clients.

  2. walkssophia on October 29, 2014 at 7:05 am

    Great applications those are meant for financing approaches. I want to recommend and include one more tool here onto the list, the cloud based expense reporting software and applications from Replicon ( http://www.replicon.com/olp/expense-reports.aspx ) which is hassle free and is also featured with the user friendly and calendar based interface that makes it an intuitive tool to work with.

Leave a Comment