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Best Expense Tracker Apps in Singapore (2024)

best expense tracker app singapore
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According to a report by The Straits Times, over half of adults in Singapore don’t watch their spending. We work hard day in and out to earn a substantial income, but we often struggle with managing our personal finances. Are you also feeling overwhelmed by your ever-growing expenses?

Thankfully, there are plenty of user-friendly expense tracker apps in Singapore. Finding the right expense tracker app will help you keep track of your spending and even help you target how much you should save.

Are Expense Tracker Apps Safe?

Using expense tracking apps is safe as long as you use a reputable budget tracker. We listed some of the best expense tracker apps below. 

But first, you need to understand the personal information you’ll possibly be sharing with the app:

  • Details of your bank and credit card accounts
  • Some expense tracker apps may ask for sources of income, such as stocks and investment funds

Note that such expense tracker apps will sync bank accounts as well as credit accounts periodically. However, it is only “read-only” access. This means they can “read” your financial activity but can’t make changes, such as transferring or withdrawing money without your consent.

Lastly, a reputable expense tracker app will only show your budget (e.g bills and purchases), but not your bank login data.

Top Expense Tracker Apps To Manage Your Finances


1. Spendee: Best for Beginners

Spendee is a fantastic choice for those new to expense tracking. With its stunning visuals and minimalistic user interface, it’s extremely user-friendly, allowing you to manage your finances effortlessly from one place. Simply link your credit and bank accounts to get started.

The Spendee Plus plan (USD 14.99/year) offers additional features, such as unlimited wallet connections, including crypto and e-wallets, and a complete overview of your cash flow at a glance. You can set budgets, create custom wallets for specific events or categories, manage multiple currencies, and share your wallets with partners or family members, making it ideal for couples, families, and roommates.

However, the free version is also good enough if you simply want to input your income and expenses.


  • A streamlined approach to financial management
  • Easy-to-understand graphic with powerful insights
  • Set up smart budgets to avoid overspending

Cost: Free; paid versions start at USD1.99/month

Rating: 4.7 / 5.0 stars

Reviews: 5K on iOS; 49.3K on Google Play

TOSHL Finance

2. TOSHL Finance: Best for Families Searching a Feature-Packed Budget Tracker App

Want to keep a close eye on your expenditure? Toshl Finance is an expense tracker app that is packed with features that may overwhelm beginners. Thankfully, the app doesn’t overload you with information. Additionally, it is highly streamlined and easy to use.

It allows you to connect multiple bank accounts from across the globe. Plus, you can add multiple credit cards for added convenience and auto-sync multiple devices, making it ideal for tracking household expenses.


  • Unlimited financial accounts for the paid version
  • Fingerprint scanning feature
  • Multi-currency support
  • Auto-sync with multiple devices

Cost: Free; Paid version starts at USD3.33/month for a 1-year subscription

Rating: 4.7 / 5.0 stars

Reviews: 1.7K on iOS; 31.1K on Google Play


3. Seedly: Best For Beginners Because Of Its Minimalist Interface

Seedly blog is the leading personal finance guide in Singapore. If you’re a frequent reader of their finance blog, you’ll be glad to know that they launched their own expense tracker app – Seedly.

The Seedly app is designed with a minimalist look that aims to help users break down their monthly expenses. It features easy-to-understand graphs at a glance. Perfect for beginners, you can quickly get into the habit of budgeting without getting confused by all the technical terms.


  • Breaks down and analyzes your transaction
  • Smart spending categories
  • Customizable budgets
  • Month-on-month transaction comparisons

Cost: Free

Rating: 4.4 / 5.0 stars

Reviews: 264 on iOS; 349 on Google Play


4. YNAB: Best for Couples Who Budget Together

YNAB, also known as You Need a Budget, is different from other expense tracking apps because it teaches you how to manage your money. It features a wide variety of budgeting tools and features, including bank syncing. YNAB also offers over 100 free, live workshops about finance management.

The main principle of YNAB is to assign each dollar a savings goal so you can prioritize spending and create a buffer for unexpected expenses. With features like bank syncing, manual transaction addition, and loan payoff tracking, YNAB provides a comprehensive financial overview. 

Does YNAB work in Singapore? Yes, like most expense tracking apps, YNAB works great in Singapore.


  • Uses an award-winning software
  • Multiple bank account syncing
  • Excellent customer support
  • Budgeting workshops

Cost: Free for the first 34 days, USD14.99/month thereafter

Rating: 4.7 / 5.0 stars

Reviews: 50.4K on iOS; 18.2: on Google Play


5. Expensify: Best for Small Businesses and Freelancers

Expensify is known for being one of the best expense tracking apps for small companies or freelancers. If you’re a business owner, you can ensure that all employee transactions with the same email domain will be monitored seamlessly with Expensify.

It helps users organize receipts and other payment processes. This app can categorize and code each receipt. Plus, it can automatically submit business expenses for approval and reimbursement.


  • Track all employee transactions and submission of claims
  • SmartScan feature so employees won’t have to fill in all the info by hand
  • Accounting integrations and expense approval

Cost: Free for individuals and self-employed; paid version for businesses starts from USD5/user/month

Rating: 4.5 / 5.0 stars

Reviews: 136.2K on iOS; 25.9K on Google Play

Household Account Book

6. Household Account Book: Best For Fun and Engaging Way to Track and Save Money

Household Account Book is the cutest expense tracker app with adorable illustrations designed to make tracking your expenses enjoyable. Developed by United, it features lovable cartoon mascots created by renowned illustrator Kanahei. The app is straightforward, allowing you to enter your income and expenses easily, and provides a clear breakdown of your spending in pie chart form.

One unique feature is the comic book included in the app, which you can unlock more of by consistently using the app. Additionally, it offers downloadable wallpapers, making it a fun and engaging choice for those who want to save money and manage their finances effectively.


  • Track monthly income and expenses with ease
  • View a pie chart breakdown of spending categories
  • Unlock a comic book story by logging expenses regularly
  • Download cute wallpapers featuring the app’s mascots

Cost: Free but includes in-app purchases

Rating: 4.7 / 5.0 stars

Reviews: 192K on iOS; 111K on Google Play


7. Goodbudget: Best for Individuals and Families Looking for an intuitive, Envelope-Based Budgeting App

Goodbudget, developed by San Francisco-based Dayspring Technologies, modernizes the traditional envelope budgeting system. This app allows you to allocate your monthly income into various expense “envelopes” such as food, rent, and savings, helping you stay within your budget and manage your finances effectively.

The app’s intuitive interface makes it easy to track spending, with envelopes turning red if you exceed your budget. You can customize up to twenty envelopes and sync your budget across two devices in the free version, ensuring you and your family are always on the same page.


  • Utilize the envelope budgeting system to allocate income
  • Track spending history for up to a year
  • Customize up to twenty envelopes in the free version
  • Sync and share budgets across multiple devices

Cost: Free; paid version starts at USD10/month

Rating: 4.1 / 5.0 stars

Reviews: 76 on iOS; 19.2K on Google Play


8. ZenMoney: Best for Individuals Seeking Comprehensive and Automated Financial Management Tool

Zenmoney brings clarity and balance to your finances, acting like a personal advisor in your pocket. This Russian finance app not only tracks and analyzes your spending but also predicts your future expenses based on past data, helping you manage fixed and variable costs effortlessly.

It boasts intuitive analysis tools that provide clear insights into your spending patterns, helping you understand where your money goes each month. Featuring an option to share expenses with your partner or family, Zenmoney ensures a comprehensive and secure financial overview.


  • Automatic categorization of transactions from all accounts and cards
  • Comprehensive spending analysis with monthly statistics
  • Budgeting tools for scheduled and monthly expenses
  • Safe-to-Spend widget for end-of-month savings and spending insights
  • Telegram bot for real-time financial updates and reminders

Cost: Free; includes in-app purchases

Rating: 4.5 / 5.0 stars

Reviews: 119 on iOS; 26.4K on Google Play


9: Dobin: Best For Individuals Looking for Valuable Discounts And Credit Card Recommendations

Dobin is the ultimate app for financial peace of mind, designed to help you track, save, and manage your finances effortlessly. Based in Singapore, Dobin leverages AI and data analytics to provide a clear view of your financial situation by linking your accounts and cards, automatically tracking spending, and categorizing expenses.

Beyond budgeting, Dobin offers a credit card recommendation tool tailored to your financial habits and consolidates thousands of discounts from various brands. With robust security measures and complete control over your data, Dobin ensures your privacy while maximizing your financial benefits.


  • Unify finances across all banks for total clarity of cash flow
  • Automated spend categorizations and expense tracking
  • Curated discounts and deals to offset everyday purchases
  • AI-powered credit card recommendations to maximize rewards

Cost: Free

Rating: 4.5 / 5.0 stars

Reviews: 63 on iOS

At a Glance

Expense Tracking AppCostRatingBest ForKey Feature
SpendeeFree; paid versions start at USD1.99/month4.7 / 5.0 starsBeginnersStunning visuals and minimalistic user interface
TOSHL FinanceFree; paid version starts at USD3.33/month4.7 / 5.0 starsFamilies searching for a feature-packed budget tracker appUnlimited financial accounts for the paid version
SeedlyFree4.4 / 5.0 starsBeginners because of its minimalist interfaceTracking rewards and cashback tiers
YNABFree for 34 days, USD14.99/month thereafter4.7 / 5.0 starsCouples who budget togetherBudgeting workshops
ExpensifyFree for individuals; paid version starts from USD5/user/month4.4 / 5.0 starsSmall businesses and freelancersSmartScan feature for automatic receipt categorization
Household Account BookFree; includes in-app purchases4.7 / 5.0 starsIndividuals look for fun and engaging way to track and save moneyComic book story unlocked by logging expenses
GoodbudgetFree; paid version starts at USD10/month4.1 / 5.0 starsIndividuals and families looking for an intuitive, envelope-based budgeting appEnvelope budgeting system
ZenMoneyFree; includes in-app purchases4.5 / 5.0 starsIndividuals seeking a comprehensive and automated financial management toolComprehensive spending analysis
DobinFree4.5 / 5.0 starsIndividuals looking for valuable discounts and credit card recommendationsAI-powered credit card recommendations

How We Chose the Top 9

The top 5 expense tracking apps listed above were chosen primarily because of their unique and valuable key features. The Google rating and the number of reviews were also taken into account. As such, we only chose expense tracker apps with a 4-star rating and above and over a hundred reviews on both iOS and Google Play.

business man open wallet no money

Tips When Budgeting

Want to start saving money and putting a cap on your expenses? Using the right expense tracker app is only the tip of the iceberg. Here are other essential tips for managing your spending habits and ultimately save money:

1. Set quantifiable goals

Setting goals is crucial in motivating you to stick to a budget. However, it’s best to make your goal achievable and quantifiable. Here’s an example of a quantifiable goal:

  • I want to save SGD X,XXX at the end of the year.
  •  I want to buy a 2-room HDB in X area by the age of 30.

2. Use the 50/30/20 rule when budgeting

Don’t know where to start? A rule of thumb is to split your income into three broad categories.

  • Up to 50% for needs – groceries, bills, loan repayments, etc.
  • Up to 20% of your household income must go to your savings account.
  • Up to 30% can be used for flexible spending, such as entertainment, clothes, etc.

3. Keep track of your spending using expense tracker apps

Most of these apps can automatically sync with your bank account and credit cards, it will help you stay on top of your expenses. Additionally, these apps can help you determine which category you’re overspending on. Plus, you can compare month-on-month transactions.

4. Look for ways to cut costs

When you find the areas that need work, take the necessary steps to cut costs. Whether it’s finding cheaper alternatives at the grocery or cutting down on dining out expenses, it can go a long way to lowering your expenses.

5. Keep track of your debt

Make sure to pay all your outstanding debts on time to avoid late fees and additional interest charges. List all your debts and keep track of your monthly repayment schedules. Consider setting up an auto payment to avoid missed bills.


A reliable budget tracker will help you stay on track so you can reach your financial goals easily. The smartest expense tracker app will make keying expenses seamless and ensures safe syncing with your bank and credit accounts. Compare different apps to find the features that best suit your needs.

Key Features

  • Expense tracking is made quick and easy with smart expense tracking apps.
  • Most budget trackers have a free version, but if you want to enjoy more features and detailed insights, you may need to get the paid version.
  • Using expense tracking apps is safe as long as you use a reputable budget tracker.

Do you need financial assistance to reach your goals? Compare the best loan packages from the top licensed moneylenders in Singapore at Loan Advisor. We will help you compare different rates, terms, and tenure to find the one that suits your needs. Request up to three loan quotes today for free!

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