Four Great Apps to Manage Your Money in 2025!
- Jack Breen
- Oct 17
- 3 min read
Updated: Oct 27
Managing money has never been more digital, and with so many budgeting, banking and investing apps out there, it's easy to feel overwhelmed.
After 22 years in tech (and plenty of trial and error with finance tools), I've narrowed down the apps that actually simplify your financial life instead of complicating it!
💳 Experian — Know Where You Stand
Keeping track of your credit score is one of the simplest but most powerful things you can do to improve your financial health — and Experian makes it effortless. As one of the UK’s top credit reference agencies, it gives you a clear view of how lenders see you, plus the factors influencing your score. With an intuitive dashboard and regular updates, it turns what used to be a mystery into something you can monitor and improve on your own terms.
What really sets Experian apart is how proactive it is. Beyond simply showing your score, it offers tailored tips to build credit, alerts for potential fraud, and tools like Experian Boost, which lets you add everyday payments (like Netflix or council tax) to potentially raise your score instantly. It’s the kind of tool that doesn’t just give you data — it gives you direction.
💸 Revolut — All Your Money, One Smart App
Revolut isn’t just a banking app — it’s a complete financial control centre in your pocket. It’s built for the modern user who wants to budget, save, spend, invest, and even travel — all in one place. With its slick interface and real-time notifications, Revolut makes tracking your spending genuinely enjoyable. You can create “Vaults” for savings goals, set budgets for categories, and even round up spare change automatically.
Beyond everyday banking, Revolut brings features you’d normally need multiple apps for: built-in currency exchange at interbank rates, stock and crypto trading, and international transfers that are quick and low-cost. For anyone juggling work, travel, and side hustles, Revolut is like having a full financial toolkit in your hand — and it just keeps expanding what “a bank app” can do.
See a detailed overview of my time with Revolut here.
📈 eToro — Investing Made Social
eToro made investing accessible to a whole new generation. Its biggest strength lies in its “social trading” model — you can browse, follow, and even automatically copy the portfolios of experienced traders. It takes the complexity out of investing by turning it into a community experience where you can learn by watching real people make real decisions.
With access to stocks, ETFs, crypto, and commodities, eToro gives you the flexibility to build your portfolio your way. The app’s clean interface makes it easy to track performance, and its virtual demo account lets you practice with fake funds before risking real money. For beginners, it’s a smart, safe way to start investing — and for experienced users, it’s a powerful all-in-one platform that keeps you connected to the pulse of the markets.
🌱 Plum & Chip — Automating Better Habits
Saving money is easy to talk about but hard to do consistently — that’s where automation apps like Plum and Chip come in. They quietly analyse your income and spending, then move small, manageable amounts into savings without you even noticing. It’s like having a financial autopilot that helps you build healthy habits without the guilt or guesswork.
Both apps offer smart features beyond simple saving: you can set personal goals, earn interest, and even start investing right inside the app. Plum adds a touch of personality with its friendly chatbot interface, while Chip focuses on optimising your balance based on AI insights. Together, they show that the smartest way to save isn’t by working harder — it’s by letting the right tech work for you.
These four apps cover the fundamentals — understanding your credit, managing your money, growing your wealth, and automating your savings. Use them together, and you’ve essentially built your own modern financial ecosystem — one that works quietly in the background while you focus on living your life.
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