If any of your 2012 resolutions were related to financial goals, your iPhone or Android can help you get there. These simple apps will help you organize your accounts and keep track of your spending, putting your finances right at your fingertips. Set real goals and have constant, hands-on access to your progress as you get closer and closer to reaching them.

SmartSaver

This iPhone app is designed for savers, focusing more on how much you save rather than how much you spend. Once you enter your expected income and regular expenditures, the app will calculate how much you should set aside for your financial goals every day. The app will also tell you how long it will take to reach those goals by following its projections and recommendations. The app’s interface is fun, whimsical, and highly personalizable—a nice departure from the more formal layouts of other budgeting apps.

PearBudget

This simple app was originally just a modified spreadsheet for tracking income and expenditures. But PearBudget has expanded its features so that it now connects to an online database that stores and sorts your financial information. You can separate your income and expenses into different categories and create a budget based on the money in each. PearBudget is a good tool for watching where your money really goes and making adjustments to your budget so that you can better control your spending habits.

Balance

This app is a virtual checkbook for your Smartphone. The interface looks similar to a checkbook ledger, and it automatically adjusts your balances every time you make a new entry. It can take some time to initially set up the app with all of your balances, but once you get them organized it is simple to make entries every time you spend from an account. The data can be synchronized to a computer desktop so you can easily track your accounts at home or at the office as well. Balance is a simple tracking tool that doesn’t include any unique budgeting features, but it can help you stay within the limits you’ve set for yourself.

Mint

This app ties in directly with Mint.com, a powerful financial organizing tool that helps you organize and track all of your accounts in one place. You can enter your balances and any changes to the balances through the Smartphone app, then check to see how those changes are affecting your financial goals. The app includes graphs and other tools to help you watch your finances shift and make informed decisions about where your money should be going. Mint is designed to help you make financial plans and stick to them.

What are some other helpful apps you use to manage your finances while away from the home or office? Help us out and share in the comments section below.

Jessica Bosari is a PerkStreet Customer Columnist, as well as the Site Manager and Editor for billeater a blog with money-saving tips to lower your bills. When she’s not gathering money-saving tips, Jessica is feeding her geeky side with sci-fi movies, tech gadgets, useful apps and productivity tricks, just to keep things interesting. Read more of Jessica’s great financial advice on Perkstreet’s blog, or view her other money-saving tips at billeater.com.