20. Mint

There are tons of budgeting apps out there, but none crunches the numbers like Mint.

A life saver for the budgeting illiterate, Mint connects to all your financial accounts from checking to retirement. It organizes all your expenses and earnings to create a detailed budget complete with graphs and charts.

It can also send you bill reminders and offer you customized tips on reducing expenses and saving money. On the website, you can set savings goals such as paying off debt or saving for a trip, and Mint will  give you advice on how to meet them.

Worried about syncing your financial information? Mint uses 128-bit encryption and it comes from the makers of Turbo Tax and Quicken. You can also disable your account via the website if your phone gets lost or stolen.