Are personal finance apps safe? When you share banking credentials with a reputable personal finance app, like the ones on this list, you’re giving the app “read-only” access. With this type of access, you’re giving them permission to see your activity, but not to make any changes.Furthermore, reputable financial apps don’t store your data inside of the app itself. So, if someone were to steal your phone and gain access to the app, they wouldn’t have access to your login information. What’s the best budgeting app for people who use cash? Many budgeting apps allow you to add transactions labeled as cash, then categorize them based on the type of expense. If you manage your expenses using the cash-envelope method, apps worth checking out are YNAB, Mvelopes and GoodBudget. , Need a replacement for Mint? Make sense of your budget, get a grasp on your household spending, or check your credit score with the best personal finance apps we've tested., Looking for the best budgeting apps? Doing more banking from your phone? Here are the seven best budgeting apps to help you manage your personal finances..