You’ve got apps for managing your workouts, apps for booking a manicure and apps for sharing what you ate for lunch today (hi there, Instagram!). But do you have any apps that are really going to make a difference in your life long-term? We’re talking about personal finance apps — applications designed to help you keep track of your cash flow, monitor your spending and help you achieve those big-ticket money goals. Want to avoid that sinking feeling you get when you look at your ATM receipt balance? Download a financial app and get proactive with your money. Here, we’ve outlined the seven best personal finance apps, most of which are free. Try one or a few and revel in your newfound money confidence in 2016.