Best Expense Tracker Apps
Tracking your expenses is one of the easiest and most powerful ways to gain control of your finances. Whether you’re trying to stick to a budget, reduce overspending, or save for a goal, these expense tracker apps help you see where your money goes and how to manage it better.
Here’s a list of the best expense tracker apps, organized by features, platforms, and who they’re best for.
1. Mint
Best for: Free, all-in-one expense tracking
Features:
- Automatically imports and categorizes transactions
- Tracks spending, budgets, bills, and subscriptions
- Credit score monitoring included
- Alerts for overspending and due dates
✅ Free
📱 iOS, Android, Web
2. YNAB (You Need A Budget)
Best for: Zero-based budgeting with proactive tracking
Features:
- Every dollar is assigned a job
- Custom categories and goal tracking
- Syncs with bank accounts or allows manual input
- Detailed spending reports and visualizations
💵 $14.99/month or $99/year (34-day free trial)
📱 iOS, Android, Web
3. PocketGuard
Best for: Knowing how much you can safely spend
Features:
- “In My Pocket” shows how much is left after bills and goals
- Connects to bank accounts for real-time tracking
- Identifies recurring payments and savings opportunities
- Simple, intuitive interface
✅ Free basic plan; Plus plan available
📱 iOS, Android
4. Spendee
Best for: Visual learners and budgeters who love charts
Features:
- Colorful dashboards and expense breakdowns
- Supports cash, cards, and bank syncing
- Shared wallets for families or roommates
- Manual entry or automatic tracking options
✅ Free with premium upgrades
📱 iOS, Android, Web
5. Goodbudget
Best for: Envelope-style budgeting with manual tracking
Features:
- Digital envelopes to plan spending by category
- Manual transaction entry promotes awareness
- Great for couples or shared finances
- Syncs across devices
✅ Free basic version; $8/month for premium
📱 iOS, Android, Web
6. Monarch Money
Best for: Comprehensive tracking across budgets and investments
Features:
- Tracks spending, savings goals, and investments
- Syncs all accounts in one clean dashboard
- Custom categories, projections, and financial planning
- Shared access for couples or advisors
💵 $14.99/month or $99/year (7-day free trial)
📱 iOS, Android, Web
7. Wally
Best for: Manual tracking with powerful analytics
Features:
- Tracks expenses, income, and budgets manually or automatically
- Supports multiple currencies
- Great for international users and travelers
- Offers detailed spending insights and reports
✅ Free basic version; premium available
📱 iOS, Android
8. Monefy
Best for: Quick, easy manual tracking
Features:
- One-tap expense entry with icons and categories
- Visual breakdowns and daily summaries
- Simple interface for fast tracking
- Sync with Dropbox or share across devices
✅ Free with pro version available
📱 iOS, Android
9. Zeta
Best for: Couples tracking shared and individual expenses
Features:
- Track individual and joint expenses
- Shared goals, bills, and budgets
- Designed for couples managing money together
- Bill reminders and financial planning features
✅ Free
📱 iOS, Android
10. Tiller Money
Best for: Spreadsheet fans who want automation
Features:
- Connects bank accounts to Google Sheets or Excel
- Auto-imports and categorizes expenses
- Fully customizable templates
- Excellent for detail-oriented users
💵 $79/year (30-day free trial)
📱 Web-based via Google Sheets/Excel
Final Thoughts
If you want automation and convenience, try Mint, PocketGuard, or Spendee. For more control, YNAB or Goodbudget are excellent. And if you love spreadsheets, Tiller Money is unmatched.
Let me know if you’d like a comparison chart, free budget tracker template, or help picking the best app based on your financial goals!