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(Credit: Syda Productions, Shutterstock / Syda Productions)

With so much to track each day, money management can seem like just one more laborious chore. But with the best personal finance apps for iOS and Android to manage your money in 2018, you can monitor all your bank accounts and credit card transactions, reduce your spending and expenses with budgeting goals, keep your credit score high, and achieve your long-term financial goals.

SEE: The best money-saving apps to keep you within your budget in 2018

1. Robinhood

One of the most beloved financial apps, award-winning and secure Robinhood (Android, iOS) lets users invest money in stocks, options, exchange-traded funds, and cryptocurrencies like Bitcoin and Ethereum -- commission-free. Once you've created your portfolio, you can view it along with market updates in real time all in one place. You'll also receive investment recommendations along with enough intel to judge if they're appropriate for you.

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2. Acorns

The squirrels squirrel away acorns for a rainy day, and so should you. One of the most popular budgeting apps, the secure Acorns (Android, iOS) app, with 256-bit encryption, encourages users to hold onto spare change by rounding up purchases made with the Acorns Spend debit card and investing it in diversified smart portfolios that automatically rebalance as the market shifts. Download the app to get all this for just $3 per month.

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3. Personal Capital

A proficient financial advisor is now within reach, no matter your income level. Highly secure Personal Capital (Android, iOS) helps you manage your money with award-winning financial tools and personalized attention from registered financial advisors for a lot less money. Link and view all of your financial accounts from over 14,000 integrated financial institutions in a single spot, create and keep on top of your budget, watch over your investments and track market fluctuations with the Holdings Today extension, plan for your future, and get personalized investment advice. No time to type? With iOS 11 and later, you can ask Siri for an accounts summary, current balances, and more from the Personal Capital app.

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4. SoFi

Tell SSL-encrypted SoFi (Android, iOS) your financial goals, and SoFi will help you reach them for free. Get advice from credentialed financial advisors, start investing in stocks and exchange-traded funds with as little as $100 per month, and set up recurring deposits as well as auto rebalancing to keep your portfolio in good stead for reaching your savings goals. You can also track existing loans, apply for new accounts, and more in the app.

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5. Expensify

Whether you're a small business owner or solopreneur, the multi-award-winning and easy-to-use Expensify (Android, iOS) app aims to streamline your business travel and receipt management process. Just take a picture of your receipt using patented SmartScan OCR tech and let Expensify take care of everything from recording, reporting, and submitting real-time expense reports. Expensify will also track mileage and time for you, so you can get reimbursed for those things, too.

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6. Prism

Missing bills can cost you in late fees and even impact your credit report. Fortunately, 256-bit AES encrypted Prism (Android, iOS) automatically tracks your bills and reminds you to pay them in the app. Prism's easy-to-read graphs, calendars, and lists provide a comprehensive view of all your accounts as well as income, account balances, and monthly expenses, so you always know where you stand.

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7. Privacy.com

Compromised card charges, hidden fees, and forgotten subscriptions can be costly. Free app Privacy.com (Android, iOS) helps avoid these fees by creating new virtual cards for you -- merchant-specific or one-time-use cards -- and lets you set max spending limits on those cards. To further protect your identity, you can even use a fake name when you spend with a Privacy.com card.

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8. Credit Karma

Credit Karma (Android, iOS) helps you with your all-important credit rating by educating you on what goes into it. Check it at any time, and if there are any issues, Credit Karma helps you fix them with recommendations and keeps it in good standing with credit monitoring that updates you on any changes, including data breaches that may impact you. Credit Karma will also scan state databases to find unclaimed money in your name. Use your great credit score to get approved for reduced interest rates and improved credit card rewards.

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9. WalletHub

WalletHub (Android, iOS) sets itself apart by offering users free credit scores and free full credit reports that are updated each day. Sign up for an account and enjoy free regularly updated credit scores, customized credit-improvement tips, round-the-clock credit monitoring, and more.

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