Ask any student and they’ll tell you that saving money is a top priority for them. Whether it be bulk buying noodles or walking instead of using the tube, now more than ever personal finances for students are in need of management. That’s where these apps come in: free to use and helping you save money.


Applauded by many for its accessible and cohesive layout, Emma provides everything a student in the UK needs from cross-account bank balance reports to finding and removing wasteful subscriptions that may have previously been accrued in one place. Specific features that set it apart from other budgeting apps include a tracker and warning system tied to unpaid overdraft fees, helping you save hundreds of pounds in surprise university related bills each year.


Simple knows that the best way to save money is to not spend it at all! The app will let you block unnecessary spending from any of your cards with a tap as well as block them in the event of loss or theft right from your phone while keeping the accounts themselves open.

Wally Lite

Quoted by Forbes Magazine as one of the “top 10 start ups” of the year in 2017, as well as ranking as the #1 Finance app in the App Store within 22 countries around the world, Wally’s reputation speaks for itself. Allowing you to seamlessly compare cash income and expenses, as well as set savings goals and daily budgets, Wally Lite uses algorithms and AI to track and learn your spending habits and savings needs.


Ranked #2 for financial apps, Venmo allows for transparent money transactions between you and your friends or with businesses. Quick and easy to use, you can link Venmo to your debit or credit card, or even set up a separate Venmo account of your own, and categorise funds to see just where you’re spending your money. Perfect for setting up funds for textbooks or food!


For students who may wish to earn a bit of extra cash on the side, Tycoon allows you to monitor and analyse from sources of regular income to one-time payments. The process aims to prevent ambiguity about old forgotten costs owed to you and sorts through confusing notions of tax, allowing you to carry out extra work with peace of mind, retracting from the additional pressures of studying at university!


Colourful and graph-centric, this app allows you to sync budget planning and money management information across phones, computers and other devices through the cloud, helping you to see how your funds are doing and share them with others, no matter if you’re in a lecture, at home or on the go.


Simply by pressing the “lower your bills” button on the app, PocketGuard’s unique invoice comparison feature allows you to not only factor how much you’re spending on bills, but let’s you observe where you can save money on utilities like electricity and water for your home hence letting you live for cheaper.

Debts Monitor

Self-explanatory name aside, this one’s for those worried about the hole in the pocket that a university education may leave behind. Debts Monitor compartmentalises and displays any outstanding debts you may owe in an easy to understand, visually-focused way. It also suggests strategies for repaying them then, making sure you’re on your feet as quickly and easily as possible.


Not so much a whole budget manager as one specifically for food, mySupermarket builds your student grocery list whilst comparing prices on product for your cheapest shop. You can even place personal price caps for products meaning you’ll never spend more than you want to for any food item again. A must-have free download for those hungry for a decent meal after a hard day’s studying.

Meet Cleo

Whilst not an app per se, the future of online budgeting is here with Cleo: an artificial intelligence system compatible with Facebook Messenger. Once your financial details are logged, Cleo scans your your transaction history and spending habits, and whilst calculating and spotting interesting spending trends aims to advise you on how to best manage your money.