Millions of Americans turn to budgeting when they want to get rid of bad financial habits and overcome their spending challenges. This is a great way to reduce costs and stay on top of bills.

However, budgeting is not easy without the right tools! You can restrain yourself and successful financial advisors, but you can't beat a great budgeting app that helps you stay on track.

1. YNAB

Need a Budget is one of the most comprehensive budgeting apps on the market. It's a cloud-based service with an easy-to-use template that lets you track your income, expenses, debt, investment accounts and more from any device. It can be linked to your bank account and updated in real time using Dropbox, so it will always be valid.

YNAB goes a step further and provides a useful knowledge base that teaches you how to budget. It uses a unique way of hiring every dollar to better control your expenses.

2. Every dollar

 Dave Ramsay's Budget App for debt repayment, savings and investment. This simple app balances your regular income with your monthly expenses, which helps you gain confidence in your financial future.

3. Mint

One of the top rated general budgeting apps on the market. It links to each bank account so you can track your expenses. It also has helpful charts that show you how much you are spending in each category.

This is a great way to track your pros and cons and plan for debt savings, investments or repayments. The best part? it's free!

4. Pocket guard

If you prefer a very simple and free budgeting app that has everything you need, but not too many extras, this is a great tool. It will list expense information, including bills and savings targets, and show you what's left. From there, you can decide how to spend your extra money.

5. Wally

The interface isn't the easiest, but it's a great budget app. You can use it to track your income, check your expenses and avoid spending too much.

Because it's a little harder to navigate and includes some new extras (like the ability to support foreign currencies), it's a very popular app with millennials instead of Gen Xers or baby boomers.

6. Envelopes.

The envelope budget system is a popular way to make sure you're only spending extra money on specific categories. This is an effective method, but many people do not like to use it because they have a large amount of cash at all times.

 Combines the best of both worlds. Spend budgets in different envelope categories so you can track how much you're spending in each category.

7.Good Budget

If you're looking for a simple budgeting app that allows syncing across multiple devices, this is a great tool. It's synchronized through the cloud in real time so you and your family can control costs.

It's also a great tool for budgeting in all categories. You can add a new transaction and easily divide it into different categories. This means that if you spend $ 50 on Walmart, including groceries, clothing, and household items, you can easily allocate a reasonable amount for each category.

8. Hide and seek.

It doesn't have the budgeting capabilities of some of the other apps on this list, but it does help you secure a better financial future. Take each transaction to the nearest dollar and use the remaining balance to invest up to $ 5 at a time.

This is a great tool for people who want to invest but don't know how to get started because it's totally crazy. Once you set it up, it automatically invests in you, and you can save a few hundred thousand by investing just a thousand dollars in your life.

9. Mobile bill

If you are more of a visual learner, this is perfect for you. It's full of great charts that tell you how your expenses will be used, so you can plan for the future. It has a simple interface with a beautiful screen.

10. Prism

If you are always struggling to keep up with the constant flood of bills, this is the perfect app for you. It keeps your positive balance and your incoming bills on the same page so you never miss another bill. You can pay them immediately through the app or schedule them for later payment.