Sometimes, staying on top of your finances can get difficult because of your busy schedule. You may be a full-time student or work full time or both. It can slip your mind staying on top of your finances. The best way to stay on top of your finances is through apps because when you keep track manually, you can forget. These apps listed below are guaranteed to help you with your finances.

Acorns . Acorns is recommended for beginners who need guidance on investing or saving money. Acorns basically invests and saves your spare change for you. It takes about 5 minutes to create an account and to get started. You choose which account you want to invest/save from so that can be a personal checking account, a savings account or anything that you choose. After you choose an account, you’ll choose which transaction you want to save the change from and that amount goes into an account in Acorns. You will need a Social Security number but that’s to prevent fraud and theft, so the app assures you that it is completely safe to use and trust.

Mint . With Mint, you can create a budget, track your bills and check your credit score for free. If you normally struggle with keep tracking of your bills, you can use this app to get alerts about upcoming due dates, and you’ll never have to worry about late fees again. With Mint, you’ll be able to choose what kind of budget you want. You can take into consideration how much you spend, how much you would like to save, or give yourself a limit to how much you want to spend. You can create a budget that works entirely for you and you can always change it later on if it doesn’t work. If you are struggling with saving money, the app helps to give you tips and advice. When you spend or make transactions, Mint categorizes each transaction to better help you with understanding where your money is going towards. This app can also be viewed and used on a desktop or laptop as well.

Credit Karma. Credit Karma is perfect to help you with your credit score. After you set up an account, you’ll be able to get alerted when there’s an important change on your account. The app also helps you with understanding what affects your credit score and they also give you insight on what to do avoid so your score doesn’t lower. The app gives you advice on how you can use your credit wisely and they give you articles to better understand credit. This app is most essential for anyone learning about credit, so essentially beginners, but it’s great for anyone in general to check your credit score and to see if it has improved or dropped.

You Need a Budget (YNAB). As the name states, it helps with your budgeting. This app lets you choose entirely how you would like to use your money. You’ll create a budget that makes sense and that will help you stay on track. With this app, you will connect your account to your bank information and then all of your transactions will get imported. Then, your transactions will be categorized to help you figure out where you spend the most money, where you need to cut down and so forth. You do have to pay to use this app - it’s $6.99 a month but the first 34 days are free to allow you to test it out and see if this is the right app for you.

Joy . Joy is an app to specifically track your spending. It lets you categorize your transactions as “happy spend" or “sad spend" to help you understand if your emotions play a role in how you spend your money. Afterwards, the app will analyze your spending and provide you with a money coach who will give you customized advice, suggestions and tips to stay on top of your spending.

Digit . Digit is another app that will help you save money. With Digit, the first thing you do after you create an account is to connect your bank account. Afterwards, you can start setting up goals. With each goal, you can choose a timeline of when you want to accomplish it and how much you want to save. You can create numerous different goals. Then, after you’ve created your goals, Digit will transfer money out of your account and into your goals section. You can also set a low balance alert where you set a price that if your bank account falls under, Digit will transfer money from a goals section of your choosing to ensure that your account does not fall under a negative number. This is completely optional but it ensures that your account is safe no matter what, and that you are also saving money. Digit does not save money for you on the weekends so you can expect an accurate number in your bank account on the weekdays. Digit saves money based on your spending habits and how much money you have in your account to ensure that your taking money out of your account never makes you at a negative. It is an app that you have to pay - $2.99 a month but the first month is free for you to test out and try.

Prism . If you need help on staying track of your payments and avoiding late fees, this is the perfect app for you. The great thing about Prism is that you can see all of your bills and financial accounts all in one app. You can add every single one of your bills to this app and you’ll receive alerts on when to pay. You can also schedule your payments and won’t have to worry about logging into numerous accounts to make a payment. This app is free to use and you can schedule payments whenever you want. You can schedule days in advance or even weeks in advance.

Depending on what you’re looking to accomplish, whether it’s paying your bills on time, checking your credit score or saving money, these apps are sure to help you with either. So instead of manually checking your finances or in case you are too busy to check and keep track, these apps are most recommended to help you. So instead of delaying getting on top of your finances now, start now by downloading at least one of these apps.