Level Money App Review (2023): Best Budgeting App For Your Money?

Updated On: November 23, 2023

Welcome to my Level Money review. My goal is to answer common questions like: how much it costs, if it's a scam, and if you can actually make money with it. The end goal is to help you understand if it's a good fit for you personally, and if there are any better alternatives out there.
Level Money App Review

This Level Money review has been throughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Table of Contents

Program At A Glance

What I liked
Simple to set up and use.
Informs users of their daily, weekly, and monthly spending limits.
A tracking tool can record all transactions in the linked account.
What I Didn’t Like
Bugs and glitches frequently necessitate recertification.
Data cannot always be updated in real-time.
There are no tools for managing or tracking financial objectives.

Level Money isn’t like other expense tracking apps. It only looks at the money you spend. Level does not do everything, but it’s a good start. However, it could be better…

After you’ve paid your regular bills and “the spendable,” the app Level Money will automatically start putting money away for you to use later. Level Money was acquired by Capital One recently.

This is how I handle my own finances. I use a spreadsheet and manually enter transactions. But when I heard about Level Money (or just Level), it was fascinating!

Maybe I don’t need to do manual budgeting anymore. I wanted to like Level, and I want you to understand that, despite its promising premise, Level the app doesn’t live up to Level the concept.

I’ll review Level Money to see if it is the best investment application out there.

Alright, so Level Money doesn’t exactly fit into a nice category.

At the end of the day, investment application is a… unique way to think about making money.

It’s certainly possible to make money with off-the-wall businesses like this, but unless you’re interested in taking years out of your life to experiment with an unproven business model, I would look elsewhere.

My #1 personal recommendation if we’re talking about starting a fully-online business has got to be the Lead Generation & Ad Agency business models.

There are a handful of programs that teach you the ropes, but my #1 choice that combines both of those business models into one is the Digital Rental Method program

But, if you’re hard pressed to jump head-first into an off-the-wall business model, let’s continue on to my full breakdown of Level Money.

What Is Level Money?

Level Money Review

Putting together a budget and tracking your daily spending is a challenging task. Many individuals have no concept of their daily spending habits.

Perhaps Level Money is the way to go if you’re interested in finding the answers to these questions.

The Level Money app is an application that helps people understand their finances. The program can calculate a user’s monthly spending limit.

The application can determine your monthly budget by looking at how much you earn, what bills you have, and how much you want to save.

After you complete the application, the level app will give you a number for every day, week, and month. This will help you know how much money to spend and guide you through the right way of spending money.

Level Money links to your bank accounts and calculates how much you can spend daily.

The level app also includes a simple comparison chart that helps you to track your spending habits in each category.

This makes you see how much money you spent in a specific category.

For example, how much did you spend on Amazon last month, and how much have you spent this month?

The Level Money app is available on the Google Store and Apple Store.

Level Money is a handy app if you have simple finances.

Meanwhile, it initiates a daily budget for you. But there is no way of knowing what your personal financial goal is and tracking it.

If you need an app that will aid you in controlling your spending, then the Level Money app can be good.

Security Features Of Level Money

Security Features Of Level Money

The Level app’s security features are similar to other popular bank accounts and credit card apps.

The Level Money app lets you track your finances and view transactions in real-time. You can see where your money has gone and how much you have available.

Due to the app’s limited functionality, it’s impossible to transfer money between accounts using this software.

The level money app does not see your credit card number or other information needed to make a purchase, making it safer.

This makes the Level Money app one of the safest applications. It also has the same security as other apps, like Mint and LearnVest.

Even if the Level App protects your credentials and financial information, using a PIN is very important.

If someone were to grab your phone and had this app, they would not get your credentials like debit card or credit card numbers or other important information (like savings account data.)

Using PINs to protect your phone and the app is also good. Only you know the combination, so no one else can see your financial information.

How Does The Level Money App Work?

How Level Money App Works

The Level Money app requires minimal effort to set up and must be downloaded before use.

After installing the app, the first step is to create an account.

When you are setting up the Level account, you need to provide Level Money permission to access your bank accounts and credit cards.

For the Level Money app to work, you need to give it permission to read your financial accounts.

Once you let the app access your money, it will tell you who gave you money and ask if this was a one-time thing or if they should count it as part of your regular income.

If the user does not classify these transactions as incomes, it will treat them as anomalies.

The Level Money App Whole Process Is Simple And Clear.

After entering your monthly expenses into the Level Money app, you will be prompted to enter your monthly income. You can either type in a new amount or pick one from a list of recent purchases.

The Level Money app has some other tools that tell you if you pay a specific bill (like utility bills) or get a certain income (salary). There is also the option to set it for every month, three months, year, and more.

The Level Money App Slider

Identifying your preferred monthly expenditure amount is the next step.

Adjust your spending with the help of the slider in the Level Money app. Use the slider tool to visualize how your savings will affect your regular expenditures.

These budgeting tools are easy to use. It has many different features which can be helpful.

The users can connect the “Level Money” app to their bank account or even credit card accounts, telling them how much money they have or the data information they need.

The budgeting app counts interest from an interest-bearing account as income. If the user needs to, they can exclude their expenses and bills to see if they have enough money for additional expenses.

Once you customize your income, bills, and savings, Level Money will provide a pie chart showing the three input categories.

What Level Money Doesn’t Offer?

No other functionality is available in the Level Money app. The Level Money app is useless if you are currently in debt and hoping to get out of it.

Look elsewhere if you need assistance paying down debt or raising your credit score. You won’t learn anything about loan or credit card debt consolidation either. You won’t get any advice on where to put your money if you use Level Money.

Unlike other apps, Level Money won’t tell you information on how to get a better interest rate on your mortgage. These apps are seen as the competition by Level Money and Mint.com, which I also mentioned before.

From experience, I think that mint.com is better than the level money app because it helps you in more areas. The Level Money app might be good, but it doesn’t help as much as mint.com does.

A person could also figure their budget out by themselves too.

Some people might prefer to do it by hand. It takes a lot of work, but Level Money can do it more quickly. The Level Money Budgeting App can tell you how much you will have and what number is the most accurate within seconds!

Level Money Budget Apps Benefits And Features

Level Money Budget Apps Benefits And Features

Having established the basics of level money, I’ll now describe the use of these budget apps.

When you open the budgeting app, you will see an easy-to-use interface.

There are three bubbles on the app’s main screen. These tell you information or data on how many spendable dollars you have left for today, this week, and this month.

This is a chart that shows you how much money you have left. Each bubble represents the leftover dollars. The line will drop when you spend money or withdraw it from your account.

If you see the bubble filled, it means that you have not spent any money up until that time.

You can also utilize the menu on the left side of this app. You can explore other areas in the Level Money data account when you click that menu.

Level Money Expense Tracker App

The app has a transaction tab that shows all the transaction data. The application device allows you to see everything.

The developer has done this to ensure that the amount of money in the app is correct. The level app also allows you to remove any time you don’t have a lot of money.

An infrequent activity will cost a lot of money, but you know you will get paid back.

For example, let’s say you had to charge a hotel bill for your boss. They told you it would be refunded later.

In this case, you don’t need to include the expense of the hotel and the reimbursement in your monthly summary report for this month because it was an infrequent activity.

You need to do this so that the level money app can tell you how much money you have left.

Level Spending Indicators

In an app, when users exclude something, a dotted line circle appears next to that specific entry. Level Money also gives users other indicators such as spending habits.

When you pay your credit card bill, some indicators show how much money is leaving your checking account and going to the credit card account. These indicators help you see how much money is being spent.

Recurring income gets a plus sign that is circled with two arrows. For entries such as regular bills, it gets a minus sign circled with two arrows.

Insights Feature

Some people like the “Insights” feature of the level money app. This feature allows you to track your spending on one type of thing, like clothing or eating out.

If you need to keep track of your travel expenses, this app is a good way to do it.

As users might know, the change in travel expenses is often. This will let the user see how much money they spend all of the time.

On the insights page, you can scroll down to see charts.

The following charts have been added. They will help you learn how much money you spend each month and how much is left after the bills are paid.

It feels good when your money grows, right?

Level Money App Alert Capabilities

Many people who use this app are also happy with the alerts it shows.

The alerts that level money gives are one of the best features. They inform you of what is happening with your account.

The app lets you know when things you want to know about are happening. You can set the app to notify you when something happens.

For example, the app will warn you when 25% of spendable money is left. But if you want to get alerts like this from the app, make sure you turn them on.

The Level Money app will tell you if your account balance is low when there is a bank fee, and you make a purchase that costs more than 250 dollars. That way, you know when to change your spending habits.

But here’s the thing: the level money app doesn’t only send you reviews about bad things. It also sends you positive notifications!

An example of this is the Rollover option. It tells you when you spend less than your budget for the day or month. The saved money will be added to the next period.

This is a great way to see how much you have saved. You can save the money or spend it!

However, it would have been a great option if the level money app could add the leftover money to a savings account.

Capital App

But then, the Level Money app has read-only permissions. If you’re okay with applications that transfer your money, you could go for an app called Capital.

This platform will automatically open a savings account for you and show you ways to save money. Saving money can help you become rich in the future.

Conclusion: Level Money Reviews

The Level Money App is a good choice to determine how much you spend on things. You can also see what expenses or what you spend it on for how long and when.

However, PocketGuard is another financial service that comes with a feature called “Can you afford it?”

The Level Money App is essentially a calculator. It will tell you how much money you need and how much money you have.

PocketGuard also does the math; they will tell you if you can buy something or not.

I personally like the feature because it will make your expenses less complicated.

Alternatives To Level Money App?


Yes, there are plenty of other business models to choose from if you want to pursue making money in 2022. Here are just a few:

Is Level Money App A Scam?

Is It A Scam

Time for the $1,000,000 question: is Level Money App actually a scam?

I wouldn’t technically call it a scam, though others might.

It’s technically possible to make money with this program, so in that sense, it isn’t a scam.

What I’m saying is: after buying, someone will, in fact, send you a login to a website where you can actually view their material. No one is riding off into the sunset with your money, leaving you empty-handed… technically speaking.

But the second, more important question is: is Level Money App actually worth the investment?

My honest answer is that for most people out there, probably not.

There are countless other business models that are proven & easily scalable, so why risk it for… not an incredibly huge payoff?

I’d rather have a program with thousands of successful students & plenty of room for others to join.

If you’ve followed my blog for long, you know I recommend a few different programs depending on your skills & goals.

My current top choice is using the Digital Rental Method, because you have a proven, systematic path to 6-figures, and you can do it from anywhere you want.

Read Our In Depth Breakdown Of The Top 5 OtherOpp Courses For 2024

Did Level Money Make The List?

I’ve got friends in there posting deals from the middle of the woods in a camper-van with their pet pig… which is kinda cool.

What Is My #1 Recommendation For Making Money Online In 2022?

Make Money Online With Digital Landlord

Alright, time for me to get real with my lovely readers for a moment:

I’ve personally tried all of the major online business models:

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve drop-shipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

THAT BEING SAID: I would at least recommend you implement something that is tried and true, because I’ve seen TOO MANY people (including friends and family) get burned by stuff like Level Money.

They come out of left field with some random idea, make it seem attractive, and then make themselves a quick buck by luring in unsuspecting people.

I’m not saying Level Money itself is trash; I’m just saying you need to be very, very careful.

This is a big reason why I only recommend proven, tried and true business models, like Lead Generation & Ad Agencies.

There are a bunch of programs out there that teach you those skills, but my top choice is the Digital Rental Method program.

Why? It has proven leaders with their own 7-figure businesses implementing exactly what they teach you.

I’ve also got over a dozen personal friends in there, so I feel comfortable telling you it works.

Whether you’re a complete newbie, or you’ve been around the block before but have never had that “big win” to propel you forward, their program works.

Here’s why:

1)Time: If you’ve got a spare hour or two each day, you can do this. If you want to drop everything and go all-in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring (for the most part).

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

2)Big Margins: With most businesses, you’re often going to have really slim margins. That means you need to hit a serious scale to make serious money.

using the Digital Rental Method, your profit margin is nearly 100%. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best-case scenario, you have properties bringing in over $3,000+/mo on “auto-pilot.”

3)It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income with an investment application, you would need to exert time and effort. And I can guarantee you, that’s a lot harder than a few clicks & a phone call.

4)You’re Helping REAL People: My biggest gripe with investment applications is that you’re basically only helping yourself.

But With the Digital Rental Method, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If we can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other off-the-wall business models like investment applications and maybe hit it big one day.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.



I make over $20,000/MO thanks to this platform... check it out below!