When choosing budgeting applications, you’re often faced with two major choices: You can either pick the best platform-specific budgeting app or the best cross-platform budget app.
This article focuses on the latter but first, let’s look at how the two home finance software differs.
Now, platform-specific budgeting applications are strictly coded to run from a single system, that is, one operating system such as Windows or handheld devices.
In contrast, cross-platform budgeting programs (also multi-platform budgeting software) run from any of your preferred operating system– Windows, Linux, or macOS and mobile devices.
There are a number of compelling options each of whom presents a strong case to be considered the best cross-platform budget app.
Here are the most impressive budget software for your mobile and PC operating systems.
GnuCash has for long been considered one of the very best personal and small-business budgeting and financial-accounting software.
The app is available for Windows, Mac OS X, Linux, BSD, and even Solaris and is licensed under GNU/GPL meaning it’s free.
For your Android phone, you can download the GnuCash for Android version. It permits to capture everything on the go and later import into your desktop version.
On the whole, it’s quite easy to use, but make no mistake: it’s an immensely powerful and flexible system.
Indeed, its solid collection of magnificent features will allow you to craft not just simple individual budgets but also complex budgetary statements.
Plus, it allows you to retrieve extremely detailed budget reports to help you see where your money is going when comparing your actuals with the plan.
Lastly, it’s quick and super intuitive to use not to mention that it is set on professional budgeting principles to ensure that you always obtain accurate statements.
Mint Cross-Platform Budget Tracker/Planner
The free Mint cross-platform budget app goes beyond the typical budgeting monitoring tasks to function as your dependable financial assistant. I especially love its bill tracking feature.
You see, it will not just track each one of your bills…the app goes out of its way to send you timely alerts when pay time nears so you’ll never miss one.
This way, you will finally say goodbye to the irritating late payment fees. My other favorite component is its brilliant money-saving tips.
Mint is one of the few budgeting apps that use artificial intelligence to understand your spending habits and will regularly give you suggestions to help cut your expenses.
For instance, it will advise you of unusual account charges as well as how else you can save money from your budgets.
It even gives you a free credit score accompanied by practical proposals to help you improve your credit rating. In a nutshell, not many budgeting software can match Mint cross-platform budgeting app’s brilliance.
YNAB is another cross-platform budgeting apps that you can trust to help you take charge of your financial destiny now.
If you want to grasp why this award-winning finance management software has its multitude of users singing its praises, just skim through its remarkable assembly of awesome features.
From bank syncing (links your bank accounts), on the go real-time spending info, debt paydown tool (get out of bad debt), all the way to financial goals tracking, this app has it all.
The app has one of the best reporting tools and will display colorful graphs and pie charts to help you make sense of your coins.
In addition, the company has an excellent personal support team who readily holds your hand until you can comfortably operate the program.
You can try the YNAB cross-platform budget free for the first 34-Days but in case you want to subscribe directly, the monthly rate is $6.99 and it’s very worthy.
From your home PC to your mobile device, Goodbudget is built to help you control your expenditure and ultimately make savings through shrewd budgeting.
Actually, Goodbudget uses the highly effective envelope budgeting system to help you mend your finances.
For starters, envelope budgeting involves putting cash into a designated number of ‘envelopes’ depending on your spending categories.
It helps you become financially prudent as exhausting an envelope means you have to cease spending until next month.
The app lets you easily set and manage your cash (per ‘envelope’) and eventually rein in on any careless expending habits via this revolutionary technique.
Like the rest of the apps vying for the title of the best cross-platform budget app, this software is available for use on your iPhone, Android, and the Web.
When it comes to the pricing, the forever free version gives you up to 20 envelopes ( 10 regular plus 10 extra) and access from two devices and should serve most of the basic need.
However, upgrading unlocks more capabilities including unlimited envelopes.
And at $6 per month, even the program’s pricing is budget conscious!
Because of their expansive features, intuitiveness, and stability across all platforms including Linux, Gnucash, Mint, YNAB, and Goodbudget rank highly in the cross-platform budget apps category.
For this reason, it wouldn’t come as no surprise if one of them is recognized as the best cross-platform budget app.
Importantly, all of them should help you achieve your financial goals of getting out of debt, saving more money, and to stop living paycheck to paycheck.
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