Budgeting and saving are no easy feat. Nor is getting all your bills aligned and finances organised so you are maximising your income.

Taking control of your finance can be really empowering – so, with the help of Canstar we've collated some of our favourite apps to help you get there.

Pocketbook

This one is our personal favourite; it is free and has a digestible layout with easy navigation.

Automatically syncing with your bank account, it will pull together all your ingoing and outgoing costs to see a holistic view of your financial position.

The app will give you daily spend reminders, saving secrets and offer a ‘Financial Health Score' so you can see how well you're fairing.

MoneyBrilliant

MoneyBrilliant is a full-service finance management app that requires paid subscription to take advantage of its complete capabilities. Features include (but are not limited to):

• Consolidated account management and categorised transactions
• Personal alerts and insights
• Safe Spending feature – tells you how much money you can spend today and meet the rest of your commitments for the month
• Net worth calculations
• Optimise my Banking – offers users' analysis of their financial products and provides alternatives with better interest rates or lower fees
• Bill Watch – automatically analyses gas and electricity bills to send you cheaper options
• Budget tracking
• Keep track of all your tax-deductible expenses for your next Tax Return
  
  

YNAB

You Need a Budget aka YNAB prides itself on teaching you how to manage your money and get ahead – for good. YNAB teach you how to prioritise and plan so that you have money for the things that are most important to you. Budgeting with YNAB is all about financing with your eyes open, so you can take steps in the right direction if you don't like what you see.

Splitwise

We've all experienced the pain of splitting a bill at the end of dinner, then spending days or weeks chasing friends to pay you back. Splitwise saves you the hassle and keeps all balances in one easy to view display so you can track shared expenses and IOUs in one place, and everyone can easily see what they owe or are owed. Splitwise will help you make sure expenses owed are returned and you are on top of any adhoc ingoing or outgoing spend.

Don't forget, if things are a little stretched and you need some extra cash to get you through to pay day, access a portion of your wage in real-time with MyPayNow. Find out more here.