5 Budgeting Apps You Can’t Live Without

Category: Technology


If you’ve ever set yourself a budget with the best of intentions but lost track of it along the way, ending up just spending money without any idea of how much you’re spending or what on, then these smartphone apps are for you.

Whichever app you go for in the end, you will have all the data you need to stick to your budget in your pocket, so you can check it in the supermarket or when you’re doing your online shopping. All of the apps listed here are free, so there’s no excuse not to give them a go and start managing your finances! Check out these free budgeting apps and be on your way to saving more money!

1. Mint

Best for: those wanting a do-it-all expense tracker app


Image by Mint via The Balance

Mint is one of the oldest and best-known budgeting apps around. It offers an array of features to help you track and manage your money. Coming with a wide range of features, its most useful has always been its budgeting tools, which are front and center when you log in. Mint can automatically categorise transactions from linked credit and debit cards,  tracings them against a budget you that you can customize according to your needs. You can also get alerts if you go over budget, review spending by categories and look at your overall cash flow to get an overall picture of where your money goes each month.

2. Spendee

Best for: those looking for a basic expense tracker app


Image by Spendee via iTunes

A popular choice, mainly due to its minimalistic interface that is easy to navigate. The main feature gives an overview of your weekly spending, organised from the most recent expenses or savings to the least recent. There are also options to display an overview of the month, year or a custom period of time. It has intuitive user interfaces with common and understandable labels. Uses consistent colour codes (green and red is used for credit and debit respectively in the expense category) in enhancing functionality and also interactions with the entire experience. There are a fare bit of animations here and there to keep things looking ‘lively’.

3. Expensify

Best for: those managing business expenses


Image by Expensify

This app is a favourite among startups, as accounts using the same email domain can be linked for easy submission and tracking. You can easily group your expenses under different Reports or Trips. The app is handy to have while traveling since it tracks distance and time spent on a particular project. It also converts currencies for international travels and provides tools to create and track your business budget. There is even a “Billable” and “Reimbursable” button to categorise your expenses. One unique feature of this expense tracker app is SmartScan, which reads your receipts for all the details of an expense. It was designed so there would be “no typing needed on your end”. It can also convert expenditures from different currencies.

4. Monny

Best for: those who want to get into the habit of tracking expenses


Image by Monny via iTunes

This app is popular with the millennials, we think because of its ‘cuteness’. The app gives you mini challenges to make saving a bit more exciting. For example, the first challenge is to key in entries for 7 days straight, which would be helpful for getting you into the habit of using the app, if you’ve never used budget tracking apps before. The app records a daily or monthly report of all your transactions and creates reports to show where your money is being spent. It features simple and fast entries to make expense tracking easy, friendly analytical reports, charts, and top rankings, and separate account books designed for traveling.

5. Goodbudget

Best for: couples with shared expenses


Image by Goodbudget via Google Play Store

Formerly known as Easy Envelope Budget Aid, Goodbudget is a perfect option for couples that want to share their budgeting process together. It uses the familiar envelope budgeting philosophy to power your proactive budget for all of your bills and spending. Because you can share and sync budgets with budgeting partners across the iPhone and Android spectrum, it is great for couples with shared finances, but it works great for solo budgeters, too. If you’re unfamiliar with the envelope system, it basically means dividing your cash into separate envelopes for different expenses like groceries, utilities and car loan.


With the wide array of expense tracker apps out there, it can be a little daunting to decide on just one to help manage your money. So do try any one of the apps above and let us know what you think. All the apps above are available on both the Apply App Store and Android Google Play Store. They’re also free to use, but some have paid versions you can upgrade to.