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These are the best on the App Store for refining a budget at various prices and functionalities. Each budgeting app offers unique features for every circumstance, whether investing in stocks or wanting to share information with a roommate or partner. Each app has detailed data about your spending habits, so it can provide recommendations based on your allocations for achieving your goals. You Need a Budget (YNAB) is inspired by the classic budgeting system of separating your income over categories — as if you’re taking cash and slotting it in labeled envelopes.