5 of the best money management and financial planning apps for Android and iOS

Level is a simple, but powerful tool for analyzing your financial status. Once you let it account for your essential expenditures (bills, rent, etc), you can comfortably allocate your disposable income and take advantage of a daily spending guide to keep everything in check. Of course, life sometimes demands fluctuations in one's spending, but Spendable can be adjust to account for that at any time. The app can automatically group your spending habits and provide example transactions so you get to learn your spending habits better. Another useful trick is tracking and comparing your monthly spending history.

Since keeping track of money flow plays a crucial part in financial planning, Level comes equipped with utilities that let you pick and trace transactions from all your bank accounts and credit cards from a single information feed. This way, you can catch irregularities in your spending or income, compare recent activities against your typical spending, and edit transactions' names, amounts, or other variables.

Level also uses this data to come up with predictions for your combined balance and spending over the month, laying out your bill and income patterns on a calendar. All data is sourced from your actual bank account, with Level having access to more than 18,000 financial institutions in the U.S. To maintain a good level of security, the app is limited to read-only access of your financial data, incorporates 128-Bit SSL and AES encryption, and features verified security by Intuit and McAfee.