The Best Free and Paid Budgeting Apps in Singapore (2025)

In today’s economy, maximizing every dollar is crucial. The head of financial planning literacy at DBS Bank emphasizes the importance of boosting financial literacy through budgeting, saving, and investing.

Budgeting apps have become vital for Singapore residents, aiding in tracking expenses, setting financial goals, and achieving financial stability. According to Ms. Tan, monitoring expenditures helps identify overspending, making budgeting and financial control more manageable.

This article explores the top free and paid budgeting apps available in Singapore. Whether you need to sync multiple bank accounts or benefit from proactive budgeting features, these tools will help you manage your finances effectively in 2025.

Top Budgeting Apps in Singapore

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. Money Lover: Best for Comprehensive Financial Management

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.

Key Features:

• Expense Tracker: Monitor your spending, income, bills, and debts with ease.
• Budget Planner: Set budgets and predict future spending based on your history.
• Security: Set up a PIN code or use fingerprint recognition for added security.
• Sync Across Devices: Safely synchronize across multiple devices with bank-standard security.
• Recurring Transaction Alerts: Get notified of recurring bills and transactions before the due date.
• Scan Receipts: Take pictures of your receipts to auto-process and organize them.

Platform: Available on Android and iOS.

Cost: Free; In-App Purchases

Ratings: 3.9 stars on Android | 4.6 stars iOS

Reviews:

“This will keep you organized and in control, of money you do have and money you will have. This application is easy to use and will help you keep track of every dollar.” – Minh & Tam

2. Pocket Expense 6: Best for Syncing Multiple Bank Accounts

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.

Key Features:

• Track Your Accounts: Manage multiple accounts and account types, with all transactions displayed on a single page.
• Budget Management: Monitor your spending with multiple budgets, view income and expenses through charts, and transfer funds between budgets easily.
• Bill Tracking: Ensure timely bill payments with customizable alerts, multiple bill support, and calendar views for due dates.
• Powerful Statistics: Access detailed reports and statistics of all your transactions.
• Password Protection: Keep your financial information secure with password protection.
• Payers & Payees Management: Easily manage and categorize your transactions by payers and payees.

Platforms: Available on iOS

Cost: Free version available with basic features.

• Premium Lifetime: USD 19.99
• Premium – 1 Month: USD 1.49
• Premium – 1 Year: USD 8.99
• Premium – 1 Year: USD $9.99
• Premium – 1 Year: USD 7.99

Ratings: 4.2 stars on iOS

Reviews:

“It takes a couple weeks to get used to how it works but once u get the hang of it, easy to use. I find it useful for tracking my kids money. Instead of giving them cash, I hold it and keep track of what they spend or what we owe each other in separate accounts…. My complaints are lack of easy backup/restore.” – Mayafromeo

3. Wallet by BudgetBakers: Best for Cash Flow Monitoring

If you struggle with keeping track of your cash flow, Wallet by BudgetBakers offers a remarkably intuitive “Cash Flow Trend” feature that gives you better control over your finances. This popular app allows you to monitor multiple accounts simultaneously, enter transactions manually, and create and set budgets for different spending categories.

Wallet syncs with over 15,000 banking institutions, offering up-to-date account information, automatic categorization, multi-currency support, goal setting, and notifications. Its learning system improves over time for more accurate spending categorization. 

While the lifetime subscription starts at USD 49.99, the free version still covers essential tools, allowing up to 3 accounts with non-intrusive ads and manual updates. 

Key Features:

• See Every Expense from All Accounts: Review each transaction recorded by your bank.
• Manual Input and Categorization: Manually input cash transactions and correct automatic categorizations.
• Learning System: Wallet improves over time in understanding and categorizing your spending.
• Cash Flow Control: View expected cash balances net of planned payments to plan ahead.
• Sync with Banks: Syncs with over 15,000 banking institutions for up-to-date info on all accounts.
• Sophisticated Reports: Features like the ‘Cash Flow Trend’ chart for a quick glance at your finances.

Platforms: Available on Android and iOS.

Cost: Free version allows up to 3 accounts with non-intrusive ads.

• Lifetime Premium subscription: USD 49.99 

Ratings: 4.4 stars on Android | 4.6 stars on iOS

Reviews:

“This is good app and I can access it across all my devices (laptop, iphone, s24 and ipad). I also like that it has lifetime so I only need to pay one time. However, like other apps too, I wished that there is an accrual method, and not just cash. “ – Carolina Clarin

4. Planner Bee: Best for Managing Personal Finances and Future Expense Prediction

Planner Bee is a streamlined financial management app launched in July 2020 that simplifies budgeting, saving, and investment tracking. Its intuitive interface consolidates multiple financial accounts, allowing users to set and track financial goals easily. 

With detailed expense categorization, personalized financial advice, and automated updates, Planner Bee keeps users informed and in control of their finances. Ideal for managing daily expenses or long-term investments, Planner Bee offers the essential tools and support for achieving financial wellness.

Key Features:

• All Accounts in One Place: Consolidate your banking, insurance, and investment records for a complete financial overview.
• Smart Budgeting: Set intelligent budgets to control your finances and achieve positive financial outcomes.
• Insurance Management: View and compare premiums from various insurance products to choose the best fit for your needs.
• Loan Tracking: Keep all loan details, including mortgages, credit cards, and personal loans, in one place for clear budgeting.
• Investment Portfolio: Track your entire investment portfolio easily.
• Bank-Level Security: Utilizes the same encryption standards as banks to safeguard your privacy.

Platforms: Available on Android and iOS.

Cost: Free to download and use with no in-app purchases.

Ratings: 4 stars on iOS

Reviews:

“Excited when I came across this app… have been tracking all my expenses via Excel and this app changed my spending habits! Much more conscious on spends and savings now since its clearly indicated without me doing the math and now I have tangible savings targets o work towards to buy my house.” – Kyara Choi

5. Toshl Finance: Worldwide Bank Connections and Multiple Currency Tracking

Toshl Finance is a versatile personal finance app that helps users effortlessly manage their expenses, budgets, and financial goals. With its user-friendly interface, Toshl Finance offers seamless synchronization across multiple devices, supports a wide range of nearly 200 currencies, and integrates with various financial accounts. 

The app offers robust features such as rich data entries, useful graphs, budget management, and seamless synchronization across devices, ensuring you have full control over your financial data anytime, anywhere. According to the New York Times, Toshl Finance is one of the top apps for monitoring spending, proving difficult to surpass.

Key Features:

• Bank Connections: Automatically connect over 13,000 different bank accounts, credit cards, and financial services worldwide.
• Easy Data Entry: Quick manual expense entry with a tip calculator, supporting nearly 200 currencies including 30 cryptocurrencies.
• Import Data: Import data from online bank files (CSV, Excel, QIF, QFX, OFX, etc.) through the web app.
• Useful Graphs: Get a big picture overview of monthly money flow with pie charts, bubble graphs, and expense location maps.
• Sync Across Devices: Use on multiple devices with automatic data sync and backup.

Platforms: Available on Android, iOS, and web app.

Cost: Free version supports 2 financial accounts and 2 budgets.

• Pro Version: USD 2.99/month or USD 19.99/year.
• Medici Version: USD 4.99/month or USD 39.99/year.

Ratings: 4.3 stars on Android | 4.7 stars on iOS

Reviews:

“Use a budget tracker like @Toshl to track your monthly expenses. You will be surprised at the difference between what you think you spend and what you actually spend per month on certain categories” – Sieg Prigge

6. YNAB (You Need A Budget): Best for Proactive Budgeting and Detailed Spending Reports

YNAB (You Need A Budget) is designed to empower users with proactive budgeting and detailed spending reports. With its unique method, YNAB encourages users to allocate every dollar a job, prioritize expenses, and save for future goals. The app features real-time expense tracking, goal-setting tools, and seamless bank synchronization, providing a comprehensive overview of your financial health. 

YNAB’s educational resources and supportive community further empower users to break the paycheck-to-paycheck cycle and achieve lasting financial stability.

Key Features:

• Goal Tracking: Prioritize spending and savings goals with powerful target-setting features.
• Loan Calculator: Calculate interest and time saved with every extra dollar paid towards debt.
• Expense Tracking: View changes to your budget in real-time, simplifying shared finances.
• Spending & Reports: Detailed graphs and charts to visualize spending habits and net worth.
• Built for Partners & Families: Share your budget with up to six people at no extra cost.
• Credit Card Management: Plan to pay off credit card balances and manage debt effectively.
• Privacy Protection: No ads, no third-party products, and no selling of user data.

Platforms: Available on Android and iOS.

Cost: 30-day Free Trial available

• Monthly Plan: USD 14.99/month
• Annual Plan: USD 99/year

Ratings: 4.7 stars on Android | 4.8 stars on iOS

Reviews:

“Managing money together has been life-changing. YNAB has allowed us to experience a peace around money that I don’t think I ever thought was possible.” – Laura & Matthew

7. Goodbudget: Best for Envelope Budgeting System and Shared Household Finances

Goodbudget is an ideal app for those new to budgeting, offering a user-friendly experience with the time-tested envelope system. This budgeting app allows you to allocate funds to virtual envelopes for different spending categories, track expenses, and set savings goals. 

The app supports syncing across multiple devices, making it easy to share budgets with family members or partners. Goodbudget also offers insightful reports to help you understand your spending patterns and make informed financial decisions. Ideal for both personal and household budgeting, Goodbudget provides the tools you need to achieve financial harmony and control.

Key Features:

• Envelope Budgeting: Utilizes the traditional envelope budgeting method to help manage daily and monthly budgets.
• Shareable Budgets: Share your budget across multiple devices including smartphones and the web, perfect for families or couples.
• Automatic Backups: Transactions are backed up to the cloud and accessible from other devices.
• Insightful Reports: Analyze spending with reports like spending by envelope, income vs. spending, and debt progress.
• Debt Tracking: Features a Debt Account to track payoff progress and estimate debt-free dates.
• Ad-Free Experience: Free version is ad-free and includes essential budgeting features.

Platforms: Available on Android and iOS

Cost: Ad-Free, Free Forever version with only 1 account, 2 devices, 10 regular envelopes, and 10 annual envelopes

• Premium subscription: USD 10/month

Ratings: 4 stars on Android | 4.6 stars on iOS

Reviews:

“BEST BUDGETING APP EVER!! I love this app so much. My husband and I got it not long after we got married, because we were spending more money than we actually had….this app has literally saved us sooo much money and it has been so incredible.” – Keziah M.

8. Spendee: Best for Tracking Real-Time Currency Exchange Rates and Multi-Currency Support

Spendee is a comprehensive personal finance app designed to help users manage their money effortlessly. This budgeting app features real-time currency exchange rates and multi-currency support. It also integrates seamlessly with bank accounts and crypto wallets, providing a comprehensive view of your cash flow. 

Plus, this app also supports shared wallets, making it perfect for managing family or group finances. With its user-friendly interface and robust features, Spendee empowers you to achieve your financial goals and maintain financial health.

Key Features:

• Bank and Crypto Wallet Integration: Automatically import transactions by connecting your bank accounts, crypto wallets, and e-wallets for a complete overview.
• Smart Budgeting: Set budgets to avoid overspending and save money for future goals.
• Shared Wallets: Ideal for couples, families, and roommates to manage shared finances.
• Multi-Currency Support: Manage money in multiple currencies, favored by travelers and digital nomads.

Platforms: Available on Android (but not supported on Android 14), iOS, and web app.

Cost: Free version is limited to one wallet/account

• Spendee Plus: USD 14.99/year
• Spendee Premium: USD 22.99/year

Ratings: 4.2 stars on Android | 4.6 stars on iOS

Reviews:

“The fact that it is cross-platform has made my life easier. I am always in control with my finances.” – Paolo

Detailed Comparison