best expense tracker app singapore

Which are the Best Expense Tracker Apps in Singapore in 2022?

Expense tracker apps are a must-have in today’s manic and increasingly digitized world. These days, many of us have multiple bank accounts and unique spending habits to keep track of. With this, finding the best expense tracker app that really works for you can mean the difference between organizing and achieving your financial goals and losing complete track of all your different expenses.

But various expense tracker apps have different notable features, and the best expense tracker for one person won’t always be the perfect fit for the next. In this article, Instant Loan lays bare the best expense tracker apps in Singapore – helping you to set budgets, save money, and keep your weekly shopping lists and expenses in check.

For similar posts: Save Money in Singapore and Healthy Money Management.

6 Best Expense Tracker Apps in Singapore: The Best Expense Tracker App Options Revealed

Whether you want a single app that encourages users to better manage their money, a no-nonsense expense tracker that helps you easily track all your transactions or money, or a top-notch version of the smartest expense tracker app out there offering award incentives and comprehensive report information, we’ve got you covered.

The trick is determining your unique needs and then comparing the market to make sure you secure a state-of-the-art app that covers all the things you’re looking for. In this section, Instant Loan runs through our six favorite apps available right now – but ultimately, it’s up to you to decide which one is the best fit for someone in your individual financial position.

Here are our favorite expense tracker apps in Singapore right now:

1. Household Account Book – Cutest Expense Tracker App

Best for:

 

Cutest expense tracker app offering no-nonsense budget and expense tracking.

Available on:

 

iOS, Android.
Cost:

 

Free version of Household Account Book available.

 

While other expense tracker apps on this list may offer complex award incentives, state-of-the-art tracking tools, and other notable features like fingerprint recognition, Household Account Book is our top choice for no-nonsense expense tracking.

The cute, colorful Household Account Book expense tracker app is perfect for people who find tracking their budget and expenses a little bit annoying, but understand that such activities are still important. It boasts easy-to-use features and a beautifully simplistic design – but transactions with Household Account Book are sadly capped on a monthly basis, just as they sometimes are with other such expense tracker apps.

2. Money Lover – Best Expense Tracker for Amazing Key Features and Budget Organization

Best for:

 

Best expense tracker for smart budgets, amazing Money Lover key features and more.

Available on:

 

iOS, Android.
Cost:

 

S$2.49/ month or S$19.99/ year for Money Lover premium version (Money Lover free version also available)

 

If you have multiple bank accounts, value state-of-the-art budget features, and want more control over your spending habits, Money Lover is the perfect expense tracking app for you. This award-winning app allows you to link your bank account, savings account, credit card, and more, monitoring all your transactions in one place.

Tech-lovers will be pleased to hear Money Lover also offers fingerprint recognition, crypto support, and the ability to get comprehensive report information sent to multiple devices via Excel or PDF if you download their premium version.

Hands counting paper money, US dollars. Holding paper money.

3. Pocket Expense – Best for Better Budget Control and Ability to Sync Bank Accounts

Best for:

 

Best app to set budgets on and sync several bank accounts with.

Available on:

 

iOS, Android.
Cost:

 

S$1.49/ month or S$19.99/ for paid version (Free version also available)

 

 

If you want to gain better control over your budgeting, sync bank accounts all in one place, and monitor your bank transactions in real-time, then it doesn’t get much better than Pocket Expense. No matter how many multiple accounts you have, Pocket Expense lets you link them all together in one place, create budgets and manage bill payment dates.

With this said, Pocket Expense is excellent for users who have a lot of checking and savings account and credit cards and make multiple daily transactions at several different stores. However, it’s worth noting that only the paid version of this app supports unlimited transactions at the time of writing.

4. Wallet by BudgetBakers – Best App for Cash Flow Monitoring and Keeping Track of Monthly Expenses

Best for:

 

Best app for keeping track of bank transactions and cash flow and planning your monthly expenses.

Available on:

 

iOS, Android.
Cost:

 

S$33.99/ year for Wallet by BudgetBakers Premium (Wallet by BudgetBakers free app also available).

 

 

If you struggle with keeping track of your cash flow, Wallet by BudgetBakers offers a remarkably intuitive “Cash Flows Trend” feature which gives you better control over your finances. This popular app also helps you to monitor multiple accounts at once, enter transactions manually if you wish, and create and set budgets for different individual spending categories.

You’ll need to shell out for the top-end premium version if you want to enjoy automatic spending updates, in-depth transaction data, and other state-of-the-art features, but there’s a free app version available that covers most of the best tools, including incoming text messages alerts.

5. Planner Bee – Best App for Managing Personal Finances and Improving Financial Habits

Best for:

 

Best app for managing your personal finances, second-guessing future and upcoming expenses and improving your financial knowledge.

Available on:

 

iOS, Android.
Cost:

 

Always free (with no in-app purchases).

 

 

Home-grown Planner Bee is a Singapore-based app that helps you keep track of your monthly spending, frequent bank transactions, and a whole lot more. You can predict future expenses, set smart budgets, and receive important insights on all your investments and debts in real-time.

This means you can boost your financial knowledge and learn new money hacks as you spend and track, whilst also being able to connect your app with more than 40 different Asian banks and financial institutions. Best of all, Planner Bee is completely free to download and use – and won’t send you loads of annoying text messages.

6. Toshl Finance – Best App for Worldwide Bank Connections

Best for:

 

Best app for syncing with worldwide bank accounts, with more than 14,000 bank connections available in total.

Available on:

 

iOS, Android.
Cost:

 

S$39.99/year for Toshl Pro (free app version also available)

 

Toshl Finance offers users the ability to connect with more than 14,000 different banks and financial services providers worldwide – making it an excellent choice for frequent travelers, dual citizens or anyone who holds several different accounts. Toshl Finance is also a great option for those who want to track spending in multiple currencies.

Users can set up cumulative habit budgets in more than 200 currencies – and even break these budgets down into monthly, weekly, daily expenses, or custom periods. Not only can you track your daily expenses with ease, but you can continuously head toward savings goals as you spend, too, as Toshl Finance also offers excellent data tools and planning graphs.

 

Conclusion – How to Find the Best Expense Tracker App for You and Your Bank Accounts

Every expense tracking app out there offers different features tailored toward different types of people. Before choosing the ideal app for you, we’d recommend considering what is most important to you in terms of improving spending habits, the ability to predict future expenses based on intelligent data, or just keeping track of and better managing your money.

By getting to know yourself and what you’re looking for in an app, you can make smarter financial decisions and find an application that offers all the most important things you will genuinely need for your expense tracking and budgeting journey.

When choosing which app is the best fit for you, be sure to:

1. Choose an app that suits your budget and expense tracking needs.

2. Make sure your preferred app is compatible with your bank account and the device (or multiple devices) you intend to use it on.

3. Review what features are available with the preferred app in question and how useful these may be for you and your finances.

4. Consider premium or paid versions of the app if the additional features offered are likely to be beneficial for you.

5. Compare different app options to ensure you are getting the expense tracking application that’s the best fit for someone with your unique needs.

Here at Instant Loan, our money blogs like to keep readers up to date with the latest news regarding money-saving and monitoring apps. We also offer an easy-to-use loan comparison service that lets you compare personal and business loan quotes from licensed money lenders absolutely free.

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