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As we head into the New Year, you might be interested in creating a budget for yourself or you may be looking for a new tool to help manage your startup or small business’s budget. You may be looking to switch out your current budgeting app for a better one, or perhaps you’re someone who has traditionally relied on spreadsheets. Although spreadsheets can be a simple way to manage and track a budget, it could be worth checking out budgeting apps to save yourself some time and effort. We’ve compiled two lists of apps that we think are great budgeting tools for individuals and startups.

For individuals, a good budgeting app can help you save money by creating and sticking to a monthly budget. For startups and small businesses, a good budgeting app can help you understand your company’s financial health and make informed decisions. Whichever way you go, the best budgeting app for you will depend on your individual or business needs, so we’ve included a variety of apps to help you find one that works best for you. AI.

Over here at TechCrunch, our time is often spent finding and reporting on the next new new thing in mobility, from autonomous drones and electric air taxis to self-driving trucks and even batteries made of paper. While this tech, in theory, may someday help people and goods move from point A to B, much of it is just that — theory. Hope. Promise. Showy demos to impress VC investors.

That’s why we dug into the technology that’s helping cities move today. Some of it is unsexy, but transportation is, more often than not, a utility.

We’ll take a close look at the tech helping move two U.S. cities — Miami and New York City — and run through a few other standout innovations in 2023.

Best apps for individuals

Goodbudget is a good app if you’re a beginner and just getting started out with budgeting. It uses the envelope system, which is one of the original ways of managing money. Goodbudget helps ensure that you are never caught off-guard by a bill or sudden expense. Each month, you set aside money for things that you need, like groceries and gas. Once you have set aside money for your essentials, you can then choose how to use the rest based on what’s important to you.

The app is also a great option if you have a shared household, as it lets you sync your budget with another person. Goodbudget offers both a free version and a paid version, which costs $8 per month. The free version includes everything you need to manage a budget, while the paid version gives you additional capabilities, such as email support, unlimited envelopes and the ability to use the service on five devices versus just two. One possible downside is that you have to manually enter your transactions in the app, as the app doesn’t connect to your bank account.

PocketGuard

If your main goal is to track your spending, PocketGuard might be the best app for you. PocketGuard shows you how much spendable money you have after you set aside enough for your bills, goals and necessities. The app shows you a pie chart so you can visualize which expenses are taking up the most money. You can set spending limits in the app to make sure you’re not spending beyond your means.

PocketGuard links your banks, credit cards, loans and investments in one place in order to help you keep track of your account balances, net worth and more. There’s a limited free version of the app and a paid version, which costs $8 per month and unlocks features like the ability to create your own spending categories, set a debt payoff plan, attach receipts, export transaction data and more.