Creating a budget does not have to cost anything when you use the right resources. There are many free or low-cost apps you can download that provide features and tools specifically designed for creating budgets. [See our top budgeting apps here](https://n26.com/en-eu/blog/budgeting-apps). You could also choose a bank like N26, that provides you with specialized budgeting features–such as automated transfers and daily spending limits–that support your saving goals.