Top Personal Finance Apps for 2018

Without a doubt, the number one thing you can do to make 2018 your best financial year yet is to know where your money is going.

I am positively loving the technology that’s emerged recently in the personal finance space. I remember how excited I was when, a free spending tracker, came out years ago. Today’s spending trackers are even more fun to use and more robust with added services and features.

Here are some of the best personal finance apps, resources, and tools for 2018.


This super cool app not only tracks your spending across all cards and accounts, it also saves users an average of $300 by identifying and cutting out wasteful spending. Plus, it lets you cancel subscriptions, suggests how to manage credit, and identifies bills that are negotiable and provides a service that automatically renegotiates for a lower rate. I also like that it gives objective financial advice based on your personal situation, along with where you can get a better or cheaper product. If there’s a credit card that could get you a lower rate, Clarity will recommend it automatically.


Earn 2.5% on your savings compared to the average .1% guaranteed, all while making a positive impact on the world. There are no fees and your money is FDIC insured. MyCNote invests in community-focused projects that grow small businesses, build affordable housing, and help underserved communities thrive.


Deemed “the easiest way to get cash back while you shop,” The Ebates Cash Back Button gives you cash back when you make purchases at Amazon, Target, travel sites, Groupon, and tons more. I had been hearing about Ebates for months and finally tested it out. It’s AWESOME. It’s only been a couple weeks and I already have some money coming my way.  Get $10 when you use this link to sign up.


Trim takes spend tracking to a whole new level. Want to know what you’ve spent on food this month? Just ask Trim. Wondering if there’s a cheaper option? Trim will tell you. This program finds cash-back deals, cancels subscriptions, and also negotiates your cable bill. The best part is that the cash back happens automatically. And when it comes to subscriptions, if there’s one you want to cancel, you can ask Trim to do that for you too.

XY Planning Network

Gen X and Gen Y work with a Certified Financial Planner at XYPN who is a fiduciary on a fee-only basis, no commission. They’ll help you invest into certain assets when it’s in your best interest, because there are no hidden fees, commissions, or costs.


If you have private student loans, check out Sofi. They’ll consolidate and/or refinance your student loans, possibly at a lower rate than what you already have.

Work At Home School

What does all this matter if you simply need more money in 2018? As an advocate of multiple streams of income, I came across this program that will catapult your income in 2018! Get a list of 73 skills and services to generate real income from home. This PDF mini guide also includes 77 businesses that will pay for these services, too.


Holly Morphew is an award winning financial coach, entrepreneur, and speaker. She is a Certified Financial Health Counselor, Certified Student Loan Counselor, and Accredited Financial Counselor ®. Her unique background in business, corporate America, and real estate give her a broad perspective to help her clients create wealth, stop living paycheck to paycheck, and eliminate debt.  View client  testimonials here!

Holly began teaching personal finance in 2006 to young adults as a service project with Rotary International. Her workshops were so popular she decided to teach personal finance full-time so she could help more people. She created The Financial Impact System, a step by step guide to master your money, streamline spending, protect your money, and create multiple streams of income.

Holly is originally from Boulder, Colorado. She received the prestigious “Rotarian of the Year” award in 2007/08 for her work in financial literacy. Holly served as Treasurer of the Erie Rotary Club from 2006–2009. She has a B.A. in International Business & Japanese from the University of Colorado. She now resides in Denver, Colorado. Holly also plays competitive beach volleyball year-round, practices yoga, and loves to hike with her two dogs.