Look for an app that supports UK bank accounts and lets you set categories for rent or mortgage, energy, council tax, transport and groceries. Open Banking links can save time, but check how your data is used and whether the provider is regulated or authorised where relevant. Compare free and paid features, including spending alerts, shared budgets and savings goals, before signing up. For general guidance, MoneyHelper’s official budgeting information can help you choose an approach that suits your circumstances.