Are you tired of keeping a record of all your expenses by yourself? Manual tracking is tedious and inaccurate, it is important to manage your expenses cautiously. One of the easiest ways to manage your expenses is by installing the best expense tracker apps.

How eagerly we wait for the payday each month and each passing day brings us great joy, doesn’t it? But the question is how long does that joy last, maybe a week or two? Expenses are giant monsters that quickly eat our income and one keeps wondering, “Where did all my money go?”

best budget app

Functionalities of Budgeting Apps:

  • Bank Account Sync
  • Set Budget
  • Helps you stay on top of your finance game
  • Offers great financial advice and insights
  • Helps monitor cash-in and cash-out patterns
  • Ensures all your important data is safe and secure and does much more.

Can you imagine doing it all on your own? And we are not judging.

Let’s have a look at the kinds of expenses that individuals have to deal with on a regular basis. Of course, there are fixed expenses depending on the individual. Usually, these expenses are monthly rent, monthly installments on the house, car, etc. These are easy to keep track of because they are recurring and also keep you mentally prepared. But some expenses aren’t planned, it can be a medical emergency or unexpected travel plans and sometimes we end up overspending and overindulging on the things we may not require and exhaust the money in just three weeks into the month.

So keeping track of your income and expenses will give you an insight into your good and bad spending patterns. Here are 3 reasons why you should have a record of all your spending.

Going overboard with the expenses can lead to a lot of stress, because if it becomes a pattern you may end up borrowing money from others, which again isn’t a good sign.

Reveal spending issues

It will highlight adverse spending, so you can eliminate it with time.

It Helps you SAVE

Saving money for emergency funds, paying debts, retirement, buying a home, or even gold, etc., is as important as sticking to a budget. Money set aside can help you create a saving plan which further will streamline your spending.

Good habits go a long way

It can be daunting, knowing where you spend, and keeping recording it monthly, but embracing a good habit takes time, and we advise you to not stop. Realizing the patterns will eventually help you prevent overspending on things and activities that you don’t pursue.

11 Best Personal Expense Tracker Apps:

In this article, we look at the 11 best budget tracker apps of 2023, each offering a unique set of features and benefits to help you take charge of your financial journey. Let’s explore these digital financial options that can turn the often difficult task of tracking expenses into a simple, efficient, and even enjoyable experience.

1. Money Manager Expense & Budget App:

Money Manager App
Money Manager

Money Manager Expense & Budget is a feature-rich finance management program that allows users to effortlessly take charge of their finances. This app provides a comprehensive solution whether you’re an individual looking to construct a more organized budget or a small business owner looking to streamline spending monitoring. The application organizes your costs, allowing you to see where your money is going. Its user-friendly UI, extensive functionality, and dedication to customer privacy make it an excellent pick among money management apps. Money Manager can assist you in achieving your financial objectives with ease and confidence. Download it now and start on your journey to financial success.


  • Expense Tracking
  • Budgeting Made Simple
  • Bill Management
  • Income Tracking
  • Customizable Reports
  • Multiple Currency Support
  • Security and Privacy


  • Free: $0

2. Goodbudget – Best Budget App:

Goodbudget - online expense tracker

This is one of the best apps for personal budgeting and monthly spending tracking. It follows a time-tested envelope budgeting technique and helps you stay on track with your near and dear ones through a virtual budget program. Using this daily expense tracking app, every month after receiving your paycheck, you can set aside your monthly spending and choose how to spend the rest of the amount for something important and sudden. You can sync and share your budget with your friends and family members, pay debts and save money for future big expenses.


  • Budgeting that works
  • Sync & share household budgets
  • Save for big expenses
  • Pay off debt


  • Free: $0
  • Plus: $8 per month or $70 annually

3. QuickBooks – Best Expense Manager App:

Being one of the best Android apps for daily expense tracking, QuickBooks can track your spending, pay your staff and contractors, and above all, help your business grow. Using this app, you can have a clear understanding of your regular expenses, pay your employees, track expenses, receive payment online, and set your new business expense management on track without even having any expert accounting skills.


  • Cloud Accounting
  • Invoicing
  • Online Banking
  • Accounting Reports
  • Cash Flow Management
  • Time Tracking
  • Accounting Reports
  • Multiple Users
  • Free unlimited support

4. EveryDollar – Best Budget Planner:

EveryDollar - Best Budget App

Do you feel budgeting your expenses is a tedious task? All you need is the right app to track monthly expenses. EveryDollar is one of the best money management apps to keep track of expenses, helping you set a budget and manage money in just a few clicks. In addition, paying off debt becomes easy, and planning for future expenses becomes less stressful and more seamless. One of the best things about this app is it can be directly connected to your bank account. There each of your transactions automatically streams directly from the bank account.


  • Personalize your budget
  • Set up savings funds
  • Avoid checkout-line freak-outs
  • Set Due Dates
  • Split Transactions
  • Keep Your Budgets Consistent
  • Make Notes Within Budgets


  • Annual Plan: $79.99 per year
  • Monthly Plan: $12.99 per month

Read Also: 7 Best Business Expense Management Software for Transparent Expense Tracking

5. Personal Capital – Personal Expense Tracker App:

Personal Capital
Personal Capital

Do you want to have a better understanding of your financial goals? Personal Capital is the right personal expense tracker app for you. Its dedicated wealth management assistance helps you have financial transparency and make the most of your income. You get exclusive access to expert financial advisors who can help you save more and spend less. You also get help with your taxes, insurance, future expense planning, and more.


  • Saving planner
  • Retirement planner
  • Investment checkup
  • Fee Analyzer
  • Financial calculators

6. Mint – Best Free Budget App:


To prioritize your budget and know where you are spending your money, Mint is one of the most popular and best free budget-tracking apps you need to install right now. The app itself is developed by the financial-software company Intuit. It has over 10 million downloads in the Google Play Store and a 4.7-star rating in Apple’s App Store.

Mint - Best Free Budget App

Apart from tracking expenses, it allows you to set your financial goals and you can get practical money-saving advice from experts. It stores all your spending and account activity in one place so it is easy for you to track your balance and transactions in one go.

Using Mint you can start budgeting like a professional by instantly creating budgets that are feasible and fruitful. Additionally, it also offers free credit scores, lets you set reminders for all the bill payments, and sends you alerts when you are low on balance. Thousands of positive reviews show how promising the app is. 


  • Retirement calculator
  • Credit card payoff calculator
  • Net worth calculator
  • Grocery budget calculator
  • Home affordability calculator
  • Loan Calculator
  • Budgeting calculator
  • Investment Calculator
  • Travel budget calculator
  • Student loan calculator

    The App is available free of cost.

7. Expensify– Best Spending Tracker App:

There are apps to monitor your spending and other transaction, Expensify has a similar approach, but for working professionals, everyone can use it. It’s in the list of Best 100 Cloud Companies Worldwide- Forbes, 2016.

Employees can have their corporate account made on Expensify, which makes it easier for them to be compensated for expenses, and it keeps all transactions in one place so the tracking is smooth.

Expensify - Best app to keep track of expenses

Any Corporation can set up multiple employee accounts who are using a similar email domain and sync it to the Expensify account. You can use the in-built SmartScan to scan the receipts, the app offers 5 free scans, after that it’s available at $4.99 a month, and group plans are priced at $18 per month per user.


  • One-Click Receipt Scanning
  • Credit Card Import
  • Multiple Approvers
  • Corporate Card Reconciliation
  • Accounting, HR, and Travel Integrations
  • Multi-Level Coding
  • Advanced Tax Tracking
  • Audit and Compliance
  • PCI-Compliant Security
  • Delegated Access

Read Also: 11 Useful Mobile Applications (iOS and Android) to Simplify Your Daily Life

8. YNAB – Best Personal Expense Tracking App:

ynab - Best Personal Expense Tracking App

It is an acronym for You Need A Budget, and it’s an intuitive app that serves the purpose of tracking and monitoring your income and also providing instructional support to assist you in realizing the causes that lead to financial problems.

This best personal finance app allows the user to link their accounts, i.e, bank, credit cards, loans, etc, and also import transactions automatically, displaying the complete monetary picture in one place

YNAB - Best monthly spending tracker

YNAB works on the philosophy of “defining a job for every dollar”, be it your funds, be it for investing, for debt repayment, or simply to cover daily expenses. Another aspect of this app is that it stops you from living a life that depends on the monthly paycheck, the systematic budgeting it offers keeps you ahead in monitoring your money.

After a trial period of 34 days, YNAB charges $14.99 per month or $99 per year.

9. Wally – Best Finance Tracker App:

Wally, Best Finance Tracker App

Wally handles the fundamentals of the financial management of the users and helps them add and trace their expenses. This best expense tracker app for iOS organizes the user’s accounts to help them learn, manage, and enhance their monetary status.

It assists you in building savings from the day you install the app by letting you create budgets on the basis of categories such as home, shopping, etc. Additionally, Wally provides stress-free management of your finances, you can sync your savings, and credit cards, and get a quick understanding of the cash flow.

Wally - Best Finance Tracker App

The users can also create groups to maintain shared finances with family, friends, flatmates, and colleagues. Furthermore, Wally can connect easily and manage even your foreign accounts in one place. 

This app is available for free on the iOS platform.


  • Start building your savings today
  • Financial clarity and control
  • Stay organized
  • Track joint accounts and household budgets
  • Track foreign transactions
  • Widest global network

10. Spendee – Best Budgeting Software:

Spendee - Best Budgeting Software

Manage all your finances and expense and align your budget efficiently through Spendee. It helps you keep track of both your earnings and your expenses in one place and this way you can control your spending.

With the Account syncing option you can keep a tab on your finances and set a budget and savings goals. Having all the money and related activities gives you a clearer picture and Spendee does exactly that.

Spendee - Best Budgeting Software

This best budget planner is equipped with a bill tracker, which lets you know when you are due on the utility bills, and since it deals in multiple currencies, monitoring expenses while traveling is a cakewalk. It has an interactive user interface that is easy to use.

Spendee has a free account as well and the other two pricing plans are SpendeePlus available at $14.99/year and Spendee Premium is available at $22.99/year. You can begin with any of the paid plans with a 7 days free trial period.


  • Shared wallets
  • Connecting bank accounts
  • Multiple currencies
  • Customize Spendee
  • Alerts and reminders
  • Sync and backup

11. PocketGuard – Best Expense Tracking App:


PocketGuard is an all-rounder app for tracking accounts and managing a budget and helping you stick to it. PocketGuard is the best app for personal budgeting and expense tracking. The app syncs all your accounts, credit cards, etc., so you can have it all in one place. After the payment of all bills and other expenses, it will automatically set money aside for savings. This intuitive bill tracker app develops a custom budget based on your earnings, expenses, and the goals you define.



  • In My Pocket- Once you set your monthly expenses, income items, and savings goal, based on these three inputs, it uses an equation to conduct calculations. This calculation will give you access to money after committing the money to expenses and savings.
  • It keeps a check on your spending limit and sends you alerts if you’re going overboard.
  • It uses financial services to help you cut your bill amounts, pay off loans, enhance your credit score, and even get you discounts on shopping.

PocketGuard is available in two versions–PocketGuard Basic, which is a free account, and PocketGuard Plus, which is the paid version.


To Wrap Things Up

Let’s know your views or your experience if you use any of the above budget tracker apps that get your money into shape, and we also welcome suggestions.

All of the expense calculator apps mentioned above have millions of downloads and have good reviews on both Google Play Store and Apple’s App Store. Now, these apps don’t promise to make you rich instead will help you gain better control over your finances. It will help you realize your good and bad expenses, help you save for the future, and make you bring financial stability.

FAQs on Expense Tracker Apps:

What is the best way to track your expenses?

The best way to track your expenses is to create a budget that outlines your spending goals and regular income. You should start by letting the budget reflect your current financial situation – income, bills, debts, investments, and other expenses – so that it’s an accurate representation of where you stand financially.

How to choose a budgeting app?

Consider factors such as the app’s availability, cost, and customer service. With just a bit of planning and consideration, you can find the right budgeting application easily.

Are expense tracker apps worth the cost?

Best expense manager apps can be worth the cost for those looking to get a better handle on their expenses and stay on top of their financial goals. They can provide a clear visualization of where your money is going and allow you to create budgets, save goals, and more.

Are expense tracker apps safe to use for managing sensitive financial information?

Yes, reputable expense tracker apps employ robust security measures like encryption and user authentication to protect your financial data. Always choose a trusted app with a good track record.

What are some key features to look for in an expense tracker app?

Look for features such as expense categorization, budgeting tools, customizable reports, and the ability to set financial goals. The best apps provide a user-friendly interface and strong customer support.

Can I access my expense tracker app on multiple devices?

Most expense tracker apps offer cross-platform compatibility. You can access your data on smartphones, tablets, and desktops through dedicated apps or web interfaces.

How do I choose the right expense tracker app for my needs?

To choose the right app, consider your specific requirements, such as budget complexity, platform preference, and integration needs. Read user reviews, compare features, and, if possible, try out a few apps to see which one suits you best.

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