Now’s a great time to get a grip on your finances. To clear the decks and set smarter budgets, to uncover ways to trim outgoings and maybe even create space to sock a few pennies away.

If this full financial reset sounds like a lot, fear not. Here are some fiscally astute apps that make managing your money more, well, manageable.

If you’re still banking on the web, it’s high time to switch to your bank’s app. For starters, Face ID is a more secure and faster way to log in. You’ll get real-time alerts for transactions and payments received, as well as a prompt heads-up on suspicious activity.

We get it, your money isn’t going as far. But these budgeting apps provide a clear plan to more disciplined spending. They can identify novel ways to trim costs, reduce debt and help you build towards a North Star financial goal.