Quick Guide: Best Budgeting Apps For 2023

It’s your RV-traveling pal, Steph. If you’ve followed my tales, you’ll know that maintaining a budget while on the road is as crucial as picking the right campsite. Just as we need the best gear for our outdoor escapades, having the right budgeting app in this digital age can be a game changer. Today, let’s dive into the world of financial apps and uncover the best ones for 2023 that’ll keep you financially fit, whether you’re on or off the road.

YNAB (You Need A Budget)

Why I Love It: Think of YNAB as the multi-functional RV tool of budgeting apps. It not only helps you track your spending but also gives every dollar a job.

Key Feature: Real-time access for multiple users, making it perfect for families on the go.


Why I Love It: Just as you’d secure your RV, PocketGuard safeguards against overspending by showing you what’s “safe to spend”.

Key Feature: Links to almost every US bank account and seamlessly categorizes transactions.


Why I Love It: Mint is like the trusty RV GPS – it provides a comprehensive overview of your finances, tracking bills, spending, and investments.

Key Feature: Free credit score checks and tailored insights based on your spending.


Why I Love It: For those who swear by envelope budgeting during their travels, this app is a digital version of that. Allocate money in different envelopes, and you’re set.

Key Feature: Can be synced across multiple devices, allowing for shared budgeting.


Why I Love It: EveryDollar is reminiscent of the handy storage compartments in our RVs, allowing for efficient organization of every financial detail. Created by financial guru Dave Ramsey, this app focuses on the zero-based budgeting approach.

Key Feature: Allows you to allocate every dollar you earn to specific categories or savings, ensuring you know exactly where every penny goes. For those wanting to dive deeper, there’s a premium version called EveryDollar Plus, which I stumbled upon on Amazon and have been using for our more extensive trips. It directly connects with your bank, streamlining the process even further.


Why I Love It: As the name suggests, Simple provides a straightforward approach to budgeting, just as we prefer uncomplicated routes for our RV journeys. It combines banking and budgeting into a singular platform, making financial management a breeze.

Key Feature: Goals and Expenses features enable users to set aside money for particular objectives or recurring expenses. When Doug and I decided to upgrade our RV, we used the Goals feature to help save up. We also loved the Simple Visa Card available on Amazon which offers cashback on certain purchases.

Toshl Finance

Why I Love It: Toshl reminds me of the fun, spontaneous detours on our RV adventures. It adds a playful touch to budgeting with quirky monsters guiding you through your finances.

Key Feature: It supports a multi-currency system, perfect for RV travelers like us who occasionally cross borders. On Amazon, there’s a Toshl Pro subscription available that offers unlimited accounts and budgets, a feature we’ve found invaluable during extended trips.

Personal Capital

Why I Love It: If our RV travels are about exploring diverse terrains, Personal Capital is about gaining comprehensive insights into your finances. It provides a holistic view of your financial picture, combining budgeting with investment tracking.

Key Feature: The app offers a unique Retirement Planner tool. As someone who’s gearing towards more leisurely RV travels in the future, this feature is a gem. I came across the Personal Capital Wealth Management service on Amazon, which provides additional financial advisory for those keen on deepening their financial strategies.


Why I Love It: Wally is like the efficient layout of a well-designed RV, aiming to simplify your financial landscape. It’s especially tailored for millennials and offers a visually appealing interface to track expenses.

Key Feature: The ability to scan receipts is a standout. During our RV trips, Doug and I often gather a pile of receipts, and this feature has been a savior. We discovered the Wally Gold subscription on Amazon, providing advanced features like foreign account integrations, making it handy for our occasional international jaunts.

Remember, like every RV journey, everyone’s financial path is unique. It’s essential to find an app or combination of apps that resonate with your personal financial goals and habits. Regularly syncing and updating these apps ensures you’re on top of your financial game. Here’s to smooth financial navigation and memorable RV explorations!

Financial Literacy on the Go

Traveling in an RV is an adventure, and so is navigating your finances. The more you know, the better you’re equipped to handle money challenges on the road. Financial literacy means understanding various aspects of personal finance, from saving to investing.

Key Insight: I highly recommend the book “Rich Dad’s Increase Your Financial IQ: Get Smarter with Your Money” by Robert T. Kiyosaki, available on Amazon. I’ve often flipped through its pages during our RV pit stops, gleaning insights on building financial intelligence.

Emergency Funds: RV Edition

While RVing can be all fun and games, emergencies can hit unexpectedly, be it a flat tire or unexpected medical expenses. Having an emergency fund tailored for RV life can make a world of difference.

Key Insight: A good resource I found beneficial is “The Financial Peace Planner: A Step-by-Step Guide to Restoring Your Family’s Financial Health” by Dave Ramsey, available on Amazon. It offers a comprehensive guide on setting up an emergency fund among other essential financial planning tips.

Eco-Friendly Financial Choices on the Road

As an RV traveler, the environment is our playground. Being eco-conscious extends beyond just physical actions; it also involves making green financial choices.

Key Insight: To delve deeper into this topic, I picked up “The Green Investor: Sustainable Investing Made Easy” from Amazon. It provides insights into eco-friendly investment opportunities, ensuring that your money supports environmentally friendly causes.

Income Streams for the Mobile Lifestyle

The RV lifestyle needn’t mean a fixed income. With the rise of digital platforms, numerous avenues allow you to earn while traveling.

Key Insight: One of the most eye-opening reads for me was “The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich” by Timothy Ferriss, available on Amazon. It’s filled with tips and strategies on setting up remote income streams, perfect for the RV lifestyle.

Insurance and Coverage on Wheels

Protecting your RV, belongings, and most importantly, yourself, is essential. Having the right insurance ensures peace of mind as you traverse different terrains and states.

Key Insight: To better understand the intricacies of RV insurance, I picked up “RV Living Full Time: How to Make Money Travelling in an RV” available on Amazon. Not only does it touch on earning methods but also delves deep into insurance aspects, making it an RV traveler’s financial bible.

Your RV journey isn’t just about the destinations you reach but also the financial choices you make along the way. These resources and topics ensure that your finances remain as smooth and enjoyable as the open road ahead. Safe travels and sound finances!


Steph, which app do you personally use during your RV trips?

I’m a huge fan of YNAB! The real-time multi-user access helps as both me and my partner can keep track simultaneously.

Are these apps secure?

Absolutely! Think of them as the sturdy locks on our RVs. They use encryption and secure processes to keep data safe.

How do these apps make money?

Some apps have premium features, while others might earn through recommendations or ads. Always read their terms before diving in.

Can I use these apps internationally?

Some apps are US-centric, but many are branching out. Always check their compatibility with your bank if traveling or banking abroad.

Budgeting apps, just like our RVs, require regular maintenance. Always update them for the latest features and security measures. Remember, budgeting isn’t about limiting freedom but enhancing it by knowing where your resources go. Safe travels on the road and through the world of finances!

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