

One of Mint’s downsides might be its spending tracker’s faulty automatic categorization. This app also offers bill and subscription tracking, a feature that notifies you when bills are due, if any price changes to monthly subscription services or if any extra fees are charged to your accounts.

Mint offers access to a free credit score report and daily credit monitoring through TransUnion. (Note that users must pay BillShark 40% of what they save on each provider.) BillShark calls creditors for you and negotiates monthly bills and subscription payments for internet, phone and cable TV providers. For those who need extra help with their bills, Mint provides bill negotiation through BillShark. Users can import their TurboTax information, set weekly targets and track cash flow. The app also features #MoveMint, a fun social media story-like summary of all monthly expenses, savings and investments. Additionally, Mint's account information can be deleted remotely if your mobile phone or device is lost or stolen. Data is secured by 256- encryption, multi-factor authentication and Touch ID. Mint lets you link your checking, savings or investment accounts, loans and credit cards from thousands of financial institutions. It even celebrates your achievements and notifies you when you achieve a purchase-less day. Mint shows recent transactions, overall expenses (entertainment, dining, or shopping), and purchase details (retailer, date, amount).

The app welcomes you with infographics about your net worth, spending, cash, investments, credit cards and loans.

Mint is a highly rated budgeting app with a rating of 4.8 on the App Store and 4.4 on Google Play, with some users praising Mint's account overview and the convenience of having access to all of their accounts on one screen. Why we chose it: Mint is our top pick for young adults because of its social media-like features (like the #MoveMint stories), hashtags and notifications. Price: $0.99 a month for the ad-free basic version | $4.99 a month for Premium Bill negotiation is not available for Android.
