A budgeting app can suit anyone who wants a clearer view of their income, spending and regular bills, including people saving for a goal or trying to reduce debt. It may be particularly useful if you find it difficult to track several accounts or tend to overspend without noticing. However, it is not essential, and some people may prefer a spreadsheet, notebook or their bank’s built-in tools. Before linking accounts, check the app’s privacy information and confirm that any provider offering financial services is FCA-authorised.