Your money is typically invested by a dedicated portfolio manager, usually in ETFs. You can invest your money in registered accounts (TFSA or RRSP) for tax-free and tax-deferred growth. It’s automated saving with an investment account. You don’t just save your money, you invest and grow it. If we are talking about budgeting apps that round up your purchases and help you save money, Moka takes it a step ahead of KOHO. Cost: App is Free | $3 Flat investment fee.How it works: Rounds up your purchases, helps you save and invest.Lastly, you can keep track of your family members spending habits by adding their information or joint accounts to your Mint dashboard. It’s comprehensive and very user-friendly. For budgeting, it has many pre-made categories, but you can create your own as well. You can also keep track of your credit score and receive tips on how you can improve it. It used to have a bill-paying feature, but now it just sends you alerts when a payment is due, along with the fact that whether or not you can pay it with the money you currently have. It’s a powerful, in-depth budgeting app that allows you to connect all your bank accounts and credit cards, so it can simultaneously track your net worth and spending. It’s arguably one of the best budgeting apps in the world. It has stellar ratings: 4.5 on Google Play Store and 4.7 on the App Store.

Mint is an app by Intuit, the fintech software company that is responsible for Turbotax and QuickBooks, meaning it has a powerful background.

How it works: Create an in-depth budget, send payment alerts, connect your savings account, chequing, credit cards for tracking.

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