A budgeting app helps you track income and spending by importing transactions, usually through Open Banking, or by letting you add them manually. It can sort payments into categories, show how much you have left for each budget, and send alerts when spending is higher than planned or bills are due. Before linking an account, check the app’s security information, privacy policy and whether it uses an FCA-authorised Open Banking provider; you can choose a manual-entry app instead. No app replaces checking your statements and making your own decisions about your money.