Don’t want to overspend your budget, swipe your credit card too many times, and feel like a financial mess? Instead of beating yourself up for the bad financial decisions you’ve ever made, create a new plan!

The solution is simple, save more and spend less. But, we all know it’s easier said than done.

One problem is finding quality apps that save you time and money, and aren’t just hype.

Luckily, there’re many great money management apps available at your fingertips. Here are 10 reliable money management apps that can help you save money, and crush debt.

1. Personal Capital

When was the last time you’ve tracked your net worth? Probably months ago or maybe never. Personal Capital allows you to easily track your net worth and plan for retirement.

Here are some of its main features:

Sync many investment accounts, and expenses (mortgage, credit cards, etc.) in one place

Discover hidden fees and how much they’re affecting your retirement plan

Wealth management for investors requiring a long-term strategy

With Personal you’re free to track your expenses and net worth.

Available for: iOS and Android

2. Mint

If your smartphone could only install a few apps, Mint would be one of them. Why? Because Mint tracks all your balances and bills in one place.

Here are some of its main features:

Effortlessly track all your bills and balances in one dashboard

Categorized expenses to understand where you spend your money

Uncover hidden fees, and determine your investment style with sophisticated retirement tools.

Feel at ease with managing your money by a reputable company that isn’t going anywhere.

Available for: iOS and Android

3. YNAB

Everyone needs a budget, there’s no way around it. YNAB (You Need A Budget) is an easy to use app that will change the way you think about money. Their motto is to “give every dollar a job”, and you’ll quickly discover why.

Here are some of its main features:

Easily sync all bank accounts in one place

Visually see your debt paying progress with eye-catching charts and notifications

Customized categories setting saving goals

The best part about YNAB is the community that comes along with it. You can hop on the YNAB forum to receive support, listen to the YNAB Podcast or stay tuned for their weekly videos.

Available for: iOS and Android

4. Wealthfront

Albert Einstein once said “compound interest is the eight wonder in the world”, and for a very good reason. The problem is, most people are scared or unwilling to learn the basics of investing. This is why Wealthfront is the perfect solution for the hands-off investors.

Here are some of its main features:

Variety of investment account options including IRA, Roth IRA, and more

Your portfolio composed of 7 different asset classes

Automatically rebalanced portfolio

Daily tax loss harvesting

Wealthfront is perfect for people requiring investment guidance, or prefer a hands-off solution.

Available for: iOS and Android