Introduction: Managing personal finances has become increasingly important in today's fast-paced world. Fortunately, technology has brought forth many financial planning apps that can help individuals take control of their economic well-being. This article will explore the top 10 financial planning apps available for Android and iPhone users. From budgeting to investment tracking, these apps offer a range of features to assist users in making informed financial decisions.

1. Mint: Mint is a comprehensive financial planning app that allows users to track their expenses, create budgets, and monitor their credit scores. With its user-friendly interface and real-time updates, Mint provides a holistic view of your financial health, enabling you to set financial goals and save money efficiently.

2. Personal Capital: Personal Capital is an all-in-one financial planning apps that combines budgeting tools with investment tracking. It allows users to link their financial accounts, monitor spending patterns, and analyze investment performance. With Personal Capital, users can gain a comprehensive overview of their net worth and plan for retirement effectively.

3. YNAB (You Need a Budget): YNAB is a popular budgeting app with a zero-based approach. It helps users assign every dollar to a job and track their expenses accordingly. YNAB also offers educational resources to assist users in building healthy financial habits and eliminating debt.

4. Acorns: Acorns is an investment app that simplifies the process of saving and investing. By linking your credit or debit card, Acorns rounds up your purchases to the nearest dollar and supports the spare change. This app allows individuals to start investing with small amounts and offers different portfolios based on risk preferences.

5. Robinhood: Robinhood revolutionized the investment landscape by introducing commission-free trading. This app lets users buy and sell stocks, ETFs, cryptocurrencies, and more without brokerage fees. Robinhood has become a popular choice among novice investors with its intuitive interface and real-time market data.

6. PocketGuard: PocketGuard is a budgeting app that focuses on helping users control their spending and achieve financial stability. It provides a snapshot of your finances, tracks bills and subscriptions, and sets spending limits for different categories. PocketGuard also offers personalized tips to help users save money and reduce unnecessary expenses.

7. Betterment: Betterment is a robo-advisor app that simplifies the investment process for users. It uses algorithms to create a diversified portfolio based on individual goals and risk tolerance. Betterment offers automated portfolio rebalancing and tax-efficient strategies, making it an excellent choice for hands-off investors.

8. Mvelopes: Mvelopes follow the envelope budgeting system, where users allocate money to different virtual envelopes for various spending categories. It helps users track their expenses and stick to their budgeting goals. Mvelopes also allow users to sync their accounts, set financial goals, and track their progress.

9. Spendee: Spendee is a visually appealing expense tracking and budgeting app. With its colourful charts and graphs, users can easily visualize their spending habits and identify areas where they can cut back. Spendee supports multiple currencies, making it suitable for frequent travellers or individuals living abroad.

10. Expensify: Expensify is an app designed for business professionals who need to track and manage expenses. It simplifies capturing receipts, tracking mileage, and creating expense reports. Expensify also integrates with accounting software, making it seamless for businesses to reconcile the costs.

Conclusion: The advent of financial planning apps has made it easier than ever to take control of personal finances. Whether it's budgeting, investing, or expense tracking, these top 10 financial planning apps for Android and iPhone