As a teacher, like many others, managing finances is a crucial part of your life. You must ensure you’re saving enough money for retirement while making ends meet every month. However, overseeing personal finances can be a lot to track. With the numerous responsibilities, you have to juggle, from teaching classes to grading papers to improving classroom productivity, finding the time or energy to stay on top of your finances can be taxing.

That’s why we’ve put together a list of the top personal finance apps for teachers that you can easily set up and use to track your expenses, budget your money, and invest in the future in a breeze. We’ve also included the rating for each app so you can see what others think of them and put the download links for easy access.

So without further ado, here are the six top personal finance apps for teachers.

PERSONAL FINANCE APPS FOR TEACHERS

1. MINT

Mint is a great all-in-one app for managing your finances. It helps you track your spending, create a budget, and set financial goals. You can connect your cash, credit cards, loans, and investments to Mint and get a complete picture of your financial life to aid you in making better financial decisions.

One of the best features of Mint is its money spending tracker alerts, which gives you bill reminders to avoid late fees and notification on the price increase of your subscriptions. Also, this app provides advice and tips personalized for your unique financial situation to guide you in saving money and improving your credit score.

In addition, if investing in crypto is part of your financial strategy, you can connect your Mint account to platforms like Binance, Blockfi, and Coinbase to see your complete financial portfolio. Or use your Mint account to apply for home loans (new mortgage or refinance) with their partner company, Rocket Mortgage. 

Website: https://mint.intuit.com/

Download Here

App Store: https://apps.apple.com/us/app/mint-budget-expense-manager/id3

Google Play: https://play.google.com/store/apps/details?id=com.mint&hl=en&gl=US

Rating:

Apple Store – 4.8 

Google Play – 4.4

2. PERSONAL CAPITAL 

Personal Capital is a comprehensive financial app that helps you grow and manage your net worth. With only one portfolio tracker, this app will enable you to manage all your accounts, including bank accounts, 140k, IRA, investments, budgeting, stocks, retirement fund, and even debt.

What sets Personal Capital Investing and Finance App apart is their Retirement Planner, which shows you an estimate of how much you need to save for retirement considering your age, income, current savings, and expected Social Security benefits

Furthermore, this app has a built-in investment Checkup tool that can give you an ideal target allocation of investments that you can compare with your current portfolio to minimize risk and maximize returns to meet your financial goals.

Website: https://www.personalcapital.com/home-v2

Download Here

App Store: https://apps.apple.com/us/app/personal-capital-retirement/id504672168

Google Play: https://play.google.com/store/apps/detailsid=com.personalcapital.pcapandroid&hl=en&gl=US

Rating:

Apple Store – 4.7

Google Play – 4.3

3. YNAB (You Need A Budget) 

YNAB is a budgeting app that helps you stay on top of your finances by tracking your spending and creating a budget for each month. With this app, you only have to enter your monthly income and expenses, and YNAB will show you how much money you have left to spend.

Its most unique feature is the four-rule method, designed to help you change your spending habits and get control of your finances. The rules are:

Rule One: Give Every Dollar a Job – assigning your money to specific categories, so you know where it’s going.

Rule Two: Embrace Your True Expenses – breaking down large expenses into manageable monthly amounts.

Rule Three: Roll With the Punches – Be flexible with your budget when unexpected expenses come up.

Rule Four: Age Your Money  – Make your money work for you by having it last longer than one month, so you’re not living paycheck to paycheck.

Aside from this, the loan calculator is an excellent addition to this app. It can calculate the interest and time saved for every extra dollar put toward debt, along with a loan planner tool that can present a plan for paying off debt in the shortest time and with the cheapest interest.

Website: https://www.youneedabudget.com/

Download Here

App Store: https://play.google.com/store/apps/details?

Google Play: https://play.google.com/store/apps/details?id=com.youneedabudget.evergreen.app&hl=en&gl=US

Rating: 

Apple Store – 4.8

Google Play – 4.7

4.  POCKETGUARD

PocketGuard is an app with a feature called “IN MY POCKET,” which shows you how much money you have left to spend after paying your bills, saving for your goals, and setting aside enough money for your needs and wants. It calculates the actual safe-to-spend amount to ensure you’re not overspending.

It comes with a bill tracker and subscription manager. These features automatically add bill and subscription expenses to your monthly budget to avoid missing due dates, find subscriptions you no longer need, and stop paying for services. 

Also, the smart algorithm of this app presents the most profitable debt repayment strategy to save you money by paying less interest when you connect all your credit and loan accounts.

Website: https://pocketguard.com/

Download Here

App Store: https://apps.apple.com/us/app/bill-organizer-tracker-pg/id949414211

Google Play: https://play.google.com/store/apps/details?id=com.pocketguard.android.app&hl=en&gl=US

Rating: 

Google Play – 4.2

Apple Store – 4.7

5.  GOODBUDGET BUDGET PLANNER

Goodbudget (formerly EEBA, the Easy Envelope Budget Aid)  is a digital envelope budgeting system that can help you divvy up your monthly income into virtual “envelopes” for different expenses.

Simply create an “envelope” for each expense. Then, you can schedule transactions or split your income and fill each envelope with the needed amount. You can also quickly transfer funds between envelopes and accounts if there is an unexpected expense. 

Website: https://goodbudget.com/

Download Here

App Store: https://apps.apple.com/us/app/goodbudget-budget-planner/id47111239

Google Play: https://play.google.com/store/apps/details?id=com.dayspringtech.envelopes&hl=en&gl=US

Rating: 

Apple Store – 4.7

Google Play – 4.3

6.  Digit

Digit is an app that analyzes your spending and saving habits and automatically moves money from your checking account to your Digit account. The idea is that over time, Digit will help you build up a small cushion of savings without you even realizing it by making small, manageable transfers each day.

Also, since Digit knows your spending habits, bills, and savings, it can calculate how much is right to invest for your situation. There are two ways to invest with Digit. The Long-term investment where Digit matches you with a balanced portfolio of stocks and bonds that can grow over time. And the  Roth or Traditional IRAs where Digit deducts small amounts you won’t feel each day but will grow in the future. 

Website: https://digit.co/

Download Here

Apple Store: https://apps.apple.com/us/app/digit-save-money-invest/id1011935076

Google Play: https://play.google.com/store/apps/details?id=digit.android&hl=en&gl=US

Rating :

Apple Store – 4.7

Google Play – 4.5

Conclusion

Your hard-earned money should work for you, not the other way around. So take advantage of the many benefits of using financial app management to track your net worth, set goals and budget, and make the most of your money. 

Remember, there’s no one-size-fits-all when it comes to personal finance apps,  so find the one that best suits your needs and lifestyle!

Related posts: 5 Smart and Savvy Ways To Save Money as a Teacher

About the Author: Bash Sarmiento is a writer and an educator from Manila. He is currently finishing his Doctor of Education degree in Miriam College. Bash writes laconic pieces in the education, lifestyle, and health realms. His academic background and extensive experience in teaching, textbook evaluation, business management, and traveling are translated in his works.

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