Since everyone has different styles of how they prefer to handle their money, the "best" budgeting app for you will depend on your style and goals.

For instance, some apps (like You Need A Budget) foster ongoing diligence around tracking, while apps like Mint are more passive.

While you can set and maintain a monthly budget in Personal Capital, it's the culmination of budgeting, investment monitoring, and retirement goal-tracking that make it worthy of a download. .

When you sign up, you'll include retirement-focused information, like your age, when you plan on retiring, and how much money you have in your savings and investment accounts.

Once you link the accounts you want to be managed, like your checking, savings, and investment accounts, you'll be able to get a general overview of where your money is going.

It's a great app to monitor not only where your money is going, but if you're on track to meet your retirement goals and other long-term plans. .

You Need a Budget.

Many budgeting apps allow you to link bank accounts so the app can track where your money is going.

You Need a Budget does this but also gives users the option to manually add transactions to avoid linking bank accounts.

You can also add credit cards and then immediately set a goal for it, like paying off your balance over time or creating a budget to include your entire balance.

(If you do, leftovers can go towards emergency savings, investments or retirement contributions. Or even fun things like birthday parties and vacations.).

The greatest difference between YNAB and many other budgeting apps is you only budget the money you have; YNAB doesn't allow "forecasting," or creating budgets for future incoming dollars. .

It's a hefty cost, especially if you're already strapped for cash and need a budget app like YNAB to help get you on track.

Download You Need a Budget.

You can set goals, like lowering your bills or adding more money to your savings and investment accounts.

It has gotten me out of debt, helped me budget for a computer, and gotten me to set financial goals (like buy a new car).

Mint also offers a space to set goals -- like buying a home, paying off debt, or anything else you'd like -- but it's on the desktop version, not the app. 

These virtual envelopes are like categories in other budgeting apps