It’s 2025, and if you’re not using budgeting apps, you’re missing out on a world of convenience when it comes to tracking your spending.
Whether you’re looking for a basic app or want one that’s packed with features, there’s bound to be an app for you. Forget trawling through Excel spreadsheets—simply enter your expenses into an app and find out at a glance how much money you’ll need for your upcoming holiday or home purchase. Goodbye tedious spreadsheets, hello sleek interfaces!
Oh, and did we mention that all the apps featured in this list are free, or include a free version? With a plethora of apps out there, it’s never been easier to make a budget and stick to it. Read on to discover how to manage your expenses and take charge of your finances today.
9 Free Budgeting Apps to Help You Manage Your Expenses
1. Household Account Book—For budgeting newbies who love cute cartoons
If you’re a fan of cutesy stuff, Household Account Book wins for its adorable cartoon illustrations featuring its mascot Pisuke. The app is pretty simple to use; enter your income and expenses to see how much money you have at month’s end. You can also see a breakdown of your expenses in pie chart form.
One quirky feature of the app is a comic of 2 friends on their savings journey—the more you use the app, the more of the comic you can read. Plus, it even offers downloadable wallpapers for your phone. This is a great choice if you’re looking for a user-friendly app that’s not overly complicated.
Why we like it: A cute mascot that encourages us to track our expenses daily.
What we dislike: Needs more function, such as an option to export data to excel.
Download now for Android or iOS.
2. Spendee—Manage unlimited wallets effortlessly on-the-go
For S$2.98 a month, Spendee‘s Spendee Plus plan lets you connect unlimited wallets, including crypto and e-wallets, and provides a complete overview of your cash flow at a glance. You can set budgets to keep your spending under control, create customised wallets for specific events or categories, manage multiple currencies, and share your wallets with a partner or family member.
If you don’t mind paying more, consider getting Spendee Premium, which costs S$8.98 a month and gives you access to the full suite of features like bank account syncing, essentially automating your expense tracking.
If you just want a simple budgeting app, the free version is good enough if all you want to do is input your income and expenses. You get a 7-day free trial regardless of which plan you sign up for.
Why we like it: Easy and intuitive user interface.
What we dislike: The lack of widget support means you can’t update your expenses as easily (e.g. from the lock screen).
Download now for Android or iOS.
3. Dollarbird—Calendar-based budgeting with a touch of AI
Dollarbird is a smart financial calendar that makes tracking and forecasting your money as easy as adding events to your calendar. With its intuitive interface, Dollarbird helps you plan for the future and manage your money together with your loved ones.
The app’s main feature is its use of AI to learn from your spending habits and predict how your balance will evolve over time. This means the more you use the app, the better the AI will get at helping you plan your budget. You can also set up a joint budget with your partner, family, or team, ensuring everyone stays in the loop on shared money matters.
The pro version of the app costs US $4.99 (~S$6.68) per month and allows you to create up to 20 different financial calendars, with the option to collaborate with up to 3 people.
Why we like it: Good integration of AI, making tracking a breeze.
What we dislike: Need to pay for the pro version to share your calendar with more than one person.
Download now for Android or iOS.
4. Dobin—Compare credit cards by rewards and benefits
Singapore-based Dobin aims to help you save, spend and track your expenses better through AI and data analytics to ensure you have a clear view of your finances. The free app links your accounts and cards, automatically tracks your spending, and sees your monthly expenditure so you can spend smarter and adjust your goals accordingly.
It’s not just a budgeting app though. Based on all that data on your financial habits, Dobin’s credit card recommendation tool can help you find a credit card that’s suitable for your needs. Dobin also collates and categorises thousands of discounts from brands, saving you precious time searching for shopping deals. An app that not only budgets for you but also aggregates deals and credit card promotions—what’s not to like?
In the works now is a tool to browse and compare home loans. Exciting stuff.
Why we like it: Personalised credit card recommendations tailored to your spending habits.
What we dislike: Only allows linking of one account per bank.
Download now for Android or iOS.
5. Money Manager—Efficient and feature-packed
With its simple, no-frills interface, Money Manager is ideal if you’re looking to budget efficiently with minimal fuss. Its double-entry bookkeeping system records all transactions across your accounts while its handy calendar view lets you review your spending weekly or monthly. Clear and organised charts show categorised spending breakdowns like loans and insurance, and you can set budgets for each category. You can also arrange automatic debit for credit or debit card bills by linking your card.
You also have the ability to edit currency exchange rates and delete your autocomplete history. The free version comes with plenty of features already, while the paid version (S$8.98) requires you to make a one-time in-app purchase—this gets you no ads and unlimited assets.
Why we like it: Ability to link your card means you don’t have to manually track every spending.
What we dislike: There are a bit too many ads if you’re using the free version.
Download now for Android or iOS.
6. Monny—Gamify your budgeting journey
Let’s face it, budgeting isn’t the most fun activity. Enter Monny, with its friendly namesake bunny mascot and whimsical graphics of an enchanting theme park that is guaranteed to make budgeting more pleasant. Playful appearance aside, the app’s simple dashboard that monitors expenses, comprehensive reports and customisable accounts make managing your finances, dare we say, a delightful experience.
Unlock the premium version with a one-time purchase to access charts of your top 10 expenses, annual spending trends graphs and pie charts of your monthly spending broken down by category.
Why we like it: Budgeting feels less like a chore when you are playing a game while doing it.
What we dislike: Most of the features are locked behind the paid version.
Download now for Android or iOS.
7. MoneyNote—No registration or sign-ups required
Hailing from Japan, MoneyNote is a simple household account book app designed to be as easy and hassle-free to use as possible. There’s no need to register and no in-app purchases to make.
Log your expense or income on the input screen and it automatically creates calendars and reports. Generate annual and monthly analysis reports to learn your average monthly expenses and percentage for each category. You can also set fixed expenses and income, and export your reports as CSV files.
Plus, if you’re all about aesthetics (maybe you arrange your apps by colour gradient), you’ll love that MoneyNote offers 20 vibrant themes and 25 app icons for endless customisation.
Why we like it: Ability to export reports as CSV files makes it convenient to transfer your reports between devices.
What we dislike: There’s no way to directly link your bank account, which makes manual input the only option for tracking your expenses.
Download now for Android or iOS.
8. Fortune City—Bookkeeping meets city-building fun
Fortune City turns budgeting into a fun and engaging experience by blending financial tracking with a city-building simulation. You can monitor your balance weekly, monthly, or seasonally, and use advanced search functions to gain insights into your spending habits.
As you record your income and expenses, your city grows and flourishes into a beautiful metropolis. This gamified approach helps you develop good habits, while the intuitive interface makes it easy to track spending and categorise transactions with just a few taps. Plus, you get to compete with friends to see who has the most prosperous city and rise through the ranks, giving you more reasons to chase after those financial gains.
Why we like it: You can visually track the improvement of your spending habits over time as your city grows.
What we dislike: User interface might be confusing at the start, due to its nature of both being a game and a budget tracker.
Download now on Android or iOS.
9. YNAB—Making the most out of your dollar
Short for You Need A Budget, YNAB is more than a budgeting app—it aims to change the way you approach your finances. At its core is the principle of giving every dollar a job, which means assigning each dollar a savings goal. This helps you prioritise your spending and provides a buffer for unexpected expenses.
Its intuitive interface makes it easy to set and maintain budgets, track spending in real-time and adjust goals as needed. You can either add transactions manually or link accounts to see the big picture of your finances. If you have loans, the app calculates the time and interest you save with every dollar paid, helping you to spend mindfully and live within your means.
YNAB stands out from the other apps on this list by offering tons of resources including a dedicated support team, live workshops, online tutorials, guides and more—truly an encouraging buddy on your financial journey.
Why we like it: The integration of online tutorials and workshops makes it feel more useful than just a simple budget tracker.
What we dislike: Premium version is slightly costlier compared to the other budgeting apps.
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