7 Best Budget Apps with Automated Rules (2026)

Stop wasting time on manual expense tracking. These budgeting apps use automation, AI, and smart rules to manage your money for you.

Why Automated Budgeting Matters

Save 2+ Hours Weekly

Stop manually entering transactions. Let automation do the boring work.

Never Miss a Bill

Automatic detection ensures recurring expenses are always tracked.

AI-Powered Accuracy

Machine learning improves categorization over time, learning your patterns.

Set It and Forget It

Configure your rules once, then let the app work in the background.

Best Automation

Savida

★ 4.9

Best Automation for Group Expenses

Set up rules once and your transactions automatically become shared expenses. Bank sync plus AI-powered categorization means less manual work.

Automation Features

Auto-split rules by merchant/categoryBank sync categorizationAI expense detectionRecurring expense patterns

Best for: Anyone sharing expenses who hates manual entryPrice: Free / $9.99/mo or $79.99/yr

YNAB

★ 4.5

Best for Budget Automation

Scheduled transactions, auto-import from banks, and smart categorization based on your history.

Automation Features

Scheduled transactionsAuto-importSmart categorizationGoal tracking

Best for: Serious budgeters who want automated trackingPrice: $14.99/mo

Rocket Money

★ 4.4

Best for Bill Automation

Automatically detects subscriptions and recurring bills. Can even negotiate bills on your behalf.

Automation Features

Subscription detectionBill negotiationSpending alertsCategory tracking

Best for: People who want bills managed automaticallyPrice: $9.99/mo or $79.99/yr

Monarch Money

★ 4.3

Best for Smart Categories

AI-powered categorization that learns from your corrections and applies them automatically.

Automation Features

Smart categorizationRecurring detectionInvestment trackingNet worth updates

Best for: Those who want clean auto-categorizationPrice: $14.99/mo

Copilot

★ 4.2

Best for Apple Automation

Integrates with Apple ecosystem. Automatic syncing across devices with smart categorization.

Automation Features

iCloud syncSmart categoriesRecurring billsBudget rollover

Best for: Apple users wanting seamless automationPrice: $10.99/mo

PocketGuard

★ 4.1

Best for Simple Automation

Automatically calculates your 'In My Pocket' amount after bills and savings goals.

Automation Features

Bill detectionSpendable calculationCategory limitsSavings goals

Best for: People who want one number to trackPrice: Free / $7.99/mo

Tiller Money

★ 4

Best for Spreadsheet Automation

Automatically imports transactions into Google Sheets or Excel for custom automation.

Automation Features

Spreadsheet importCustom formulasCategory rulesDaily updates

Best for: Spreadsheet power usersPrice: $79/yr

Automate Your Finances Today

Savida's automated expense rules and AI categorization make budgeting effortless. Set it up once and let it work for you.

Try Savida Free