I’m sure you’re constantly on the go, trusting your handy smartphone to keep you on track as you navigate your busy schedule and your financial forecast. Trust me, I can relate! With so much information literally at your fingertips, sometimes it’s hard to find the best smartphone apps to manage your finances and match your lifestyle.

Well, I’m here to help. Check out this list of my absolute favorite iPhone money-related apps. I use these iPhone apps ALL the time; they ensure my business, and I (!), keep running as smoothly as possible.

Harvest

From business meetings to projects and everything in between, Harvest is an easy way to track my billable time, and then accurately bill out my clients.

What I Love About Harvest:

• Analyzes your time and helps predict estimates for future projects.
• Provides invoicing.
• Allows me to track and analyze where I spend most of my time.
• Because I typically bill by project, Harvest allows me to ensure I’m on target with my pricing, because I can easily see how much time I’m really spending on a particular project or client.

Get your FREE Harvest app (with plan) HERE or visit your app marketplace directly from your smartphone or other device.

Also available for Android and Mac. Plus, interacts with loads of cool tools. Plans start at just $12/month.

Mint

Mint is an easy and secure way to manage your money, from anywhere at any time.

What I Love About Mint:

• All of my accounts are pulled in to one place, so I don’t have to sift through credit card and bank statements.
• Automatically categorizes my expenses so I can see where I’m spending and saving money, and also easily sort out my deductible expenses for tax purposes.
• You can set up and track your personal and professional financial goals.
• You can also set up bill pay and other helpful reminders.

Get your FREE Mint app HERE  or visit your app marketplace directly from your smartphone or other device.

Also available for iPad and for Android phones and tablets.

Intuit GoPayment

Guys, this is seriously cool: Intuit GoPayment is a free credit card swiper for your cell phone. I just click this easy-to-use device into my iPhone and I’m ready to go!

What I Love About Intuit GoPayment:

• Now I can take VISA, AmEx, Discover, and MasterCard credit card payments using my iPhone.
• If I forget my swiper, I can still take payment by manually typing in my client’s information, right on my iPhone.
• Save time by programming your most popular products and/or services into your phone ahead of time.
• Totally affordable, especially compared to other credit card payment methods and tools.

Get your FREE Intuit GoPayment app (and swiper!) HERE or visit your app marketplace directly from your smartphone or other mobile device.

Also available for iPad and Android. Choose pay-as-you-go, or monthly pricing. Free for two months when you integrate with your Intuit QuickBooks.

Sleep Cycle

After all that on-the-ball money management, you’ll need your sleep! Sleep Cycle measures your sleep patterns and wakes you up when you’re in your lightest sleep phase.

What I Love About Sleep Cycle:

• No need for an alarm clock!
• Wakes me up with a nice, relaxing tune that starts softly and gradually gets louder. Who likes to be scared awake by an alarm clock?
• You can choose your wakeup song or even pick your favorite songs from your iPod.

Get your FREE Sleep Cycle app HERE.

Also available for most iPod touch and iPad devices.

Your turn! Tell us your favorite iPhone apps. Leave a comment below!