Spending less and saving more is easier said than done. But consumers can get a little help bulking up their savings accounts with these apps that make debt reduction, wealth building and even filing expense reports a lot easier.

  • 1Mint

    mint.com

    Mint

    This finance-tracking app allows users to link all their accounts including credit, savings, investments and even student loans to provide an instant snapshot of a user’s finances. Consumers can also enter cash and pending transactions into the app to see real-time balances to help curb any overspending.

    “I find most of my clients benefit from Mint’s simplified approach to budgeting,” says financial planner Lauren Lyons Cole. “Any app that allows you to link accounts is great for simplifying the task of tracking your expenses and making sure you are on target with your budget.”

  • 2Ready for Zero

    ReadyForZero

    Ready for Zero

    The name says it all-- this tool is all about reducing debt and building wealth, says Lyons Cole.

    “Paying down debt requires a steady stream of motivation and an ability to visualize progress toward your goal and this app makes it easy,” she says.

  • 3Expensify

    Expensify

    Expensify

    Use this app to capture receipts and submit expenses from anywhere and can be integrated with accounting and payroll packages.

    “Keeping track of expenses is a key part of beefing up your overall savings,” Lyons Cole says.

    “Expensify works great for personal expenses, but can also be used for business expenses. The sooner you file your expenses report, the sooner you can get reimbursed and contribute more to your savings account.”

  • 4Venmo

    Venmo

    Venmo allows users to track lended money as well transfer money in real time.

    “Venmo makes splitting the check at dinner or teaming up for gift buying really simple,” Lyons Cole says.

Follow Kate Rogers on Twitter at @KateRogersNews