Personal expense tracker apps help you to be aware of your cash flow. If yet you are not using any such apps then now it’s the right time to choose the best and free app.

All thanks to the personal expense tracker apps that are helping us to chill without any financial stress. I’m in my 20s, I’ve tested a lot of money-related apps. 

In my current blog, I’m going to share about 24 free personal expense tracker apps. I’ve personally tried and tested all most all the apps here. So check out these super useful apps.

Personal Expense Tracker Apps

24 BEST Personal Expense Tracker Apps for FREE

Personal expense tracker apps reduce your financial stress. Within a few seconds, you can track all your spending through your device. And also you can prepare a budget with these free apps.

Let me pitch the 24 best personal expense tracker apps that will save your time and also effectively work to track your cash flow.

1. Money Manager – Expenses & Budget

If you are looking for a simple expense tracker that gives you more visual effect then this app is for you. You can easily track your expenses and you will love this app as it provides more clear visual effects. You can easily see your cash flow.

Features of Money Manager App
  • You can track your income and expenses easily
  • While tracking your expenses you can add an image of your cash memo or receipt. This helps you to remember your exact transaction.
  • Multiple currency symbols are available to track the expenses
  • Back up future is there in this app. You can back up your expense data on your device or google drive.
Cost Free

or Money Manager Pro: $3.99

Phones iPhone, Android
County All the countries

Free Expense Tracker Apps

2. Andro Money

This is one of my favorite personal expense tracker apps. This app has so many features. And you can easily track your daily expenses with this app.

Features of Andro Money app
  • There are many pre-inbuilt categories in this app like food, shopping, groceries, travel etc. So you can just track your expenses just with a few taps.
  • You can set the currency as per your need or as per your country’s currency to track expenses. This app supports multiple currency symbols.
  • You can prepare a budget and when you can make settings to get a notification when your expenses already reached 50% or 70%. You can set this percentage as you need.
  • You can add your own categories like books, flight, music or anything. This will help you to track your expenses on a particular category.
Cost Free
Phones iPhone, Android
County Worldwide all the countries

Personal Expense Tracker Apps

3. My Finances

“My Finances” app is simple to use. You can track your all expenses in one place without any stress. Even I’ve installed this app on my device and I liked this app.

Features of My Finances app
  • You can see your reports of expenses in the form of a pie chart, line graph and bar graph.
  • This app also includes many categories and just in a few taps you can track your expenses.
  • Set your currency symbols. No matter what is your currency you can change or set your currency.
  • Back up feature is there in this app. You can download your expenses data quickly.
Cost Free

or Premium (does not include ads)

Phones iPhone, Android
County Worldwide all the countries

Best Apps to Track Expenses

4. Money Lover

Tracking expenses is the key to save more money. When we talk about personal expense tracker apps we can’t ignore this free app. This app has all the basic features that you need in any spending tracker app.

Features of Money Lover App
  • You can track your expenses with your country’s currency symbol
  • Include all most all the categories like food, education, rent etc that will help you to track expenses within a few seconds.
  • You can check your expenses in the form of a pie chart and bar graphs
Cost Free
Phones iPhone, Android
County Worldwide all the counties

Spending Tracker Apps

5. Spendee

This is an amazing spending tracker app. I can say that I liked this app. I liked all the features of this app that are very useful and provide effective results. This app has got 4.7 stars out of 5 stars on app stores.

Features of Spendee App
  • You can track all your daily spendings easily
  • Your cash flow will be represented in the pie chart and bar graphs
  • You can also prepare a budget with this app for free
  • You can connect your bank account to track expenses (This is for premium uses)
Cost Free

or Premium plan

Phones iPhone, Android
County Worldwide all the countries

Expense Trackers

6. Wallet

This app is made by Budget Bakers. 5 million people have downloaded this app and tracking their daily expenses. The best part of this app that I liked the most is, it is the universal app. No matter what is the currency of your county and no matter which is your bank account you can use this app.

Amazing features of Wallet App
  • You can set your own currency symbol according to your country’s currency
  • Universal app
  • Synchronize with any bank worldwide (premium feature)
  • You can create a group in this app and add your family/friends. Also, you can decide who can see your particular data. This way you can manage your budget with the family together.
  • Track your all expenses manually and easily
Cost Free

OR premium $21.99/ Year

Phones iPhone, Android
County Worldwide all the counties

How to Track expenses in Apps

7. Fudget

This app is again an effective personal expense tracker. I feel that one who maintains the budget and track expenses can save extra dollars. Make sure you are planning a beautiful future by saving more money through tracking your expenses.

Features of the Fudget App
  • Just in one tap, you can add your list to prepare a budget.
  • No matter what is your currency symbol, you can choose your currency symbol in this app.
  • This app helps to track your expenses. Thereby you can save more money without overspending.
Cost Free
Phones iPhone, Android
County Worldwide all the countries

Expense Tracker Apps for Free

8. Monefy

Monefy will help you to track all the expenses easily. So whenever you pay bills or do shopping then this app will track your all records and shows you the remaining balance.

Features of Monefy App
  • You can track expenses with any currency symbol. This is a universal app.
  • There are many categories in this app, this will be useful to track your expenses without clutter.
  • Easy to use app
Cost Free
Phones iPhone, Android
County Worldwide all the countries

Expense Tracker Apps

9. Expensify

This is a very simple yet effective app to track your expenses. If you want the limited and effective features, just for tracking your expenses and handle your budget then go for this app.

Features of Expensify App
  • This app helps you to store all the receipts in one place. So you don’t need to worry about losing your receipts or forgetting about the transactions.
  • The feature of this app allows you to click the picture of the receipts and add them there.
  • You can also scan the receipts. So that it will be easy for you to store the soft copies of receipts.
Cost Free
Phones iPhone, Android
County Worldwide all the countries

Personal Expense Tracker Apps

10. Good Budget

“Good budget” is also a smart choice of an app if you want to make a good budget and want to track your daily expenses. This is a very popular app that people use for their personal finance.

Features of Good Budget App
  • You can easily plan before you spend your money
  • There is an envelope system in this app, you can decide to make different envelops like groceries, shopping, gas, saving etc. This will help you not to spend money on unnecessary things.
  • You can make one envelope separately for saving money
  • Track your spending records
Cost Free

OR $7 per month

Phones iOS, Android
County All the countries

Best Expense Trackers

11. Mint

Millions of people are already using the Mint app and getting a lot of benefits in saving money. This is easy to use the app and a very effective app to track your expenses and also to save money.

Features of Mint App
  • This app analyzes your spending habit and set a daily saving goal (Off course you can adjust and change them too)
  • You will get an organized place, where all your bills get tracked
  • Get reminder alerts to pay your bills timely
  • You will get free credit scores and all the details about your credits without any fees
  • You can easily make categories in budgeting to track your spending
Cost Free
Phones iPhone, Android
County USA

Free Expense Tracker

12. Dollar Bird

Here in this app, you will get calendar-based personal finance management designs. So that will be very easy for you to prepare your monthly budget. There are so many passive income ideas to earn money nowadays. But earning goals and saving goals should go simultaneously.

Features of Dollar Bird App
  • You can easily track your expenses by entering daily expenses in the calendar
  • Check your cash flow charts. You will get weekly, monthly, yearly charts. This will help you to analyze your cash flow and make money-saving plans.
Cost Free

or Premium: $3.3/month

Phones iPhone, Android, Website
County All the countries

Apps to Track Your Expenses

13. Clarity Money

This is another app that helps you prepare a good budget and also track your expenses. By this, you can save more money. Budgeting is the key to save more dollars and make your pockets happy.

The Best Features of Clarity Money App
  • Clarity Money app track your all expenses
  • You can check your transactions in the form of graphs
  • Clarity Money helps to negotiate bills on behalf of you. This helps to save money but they will charge some part as a commission.
  • Easy to create a budget and track your budget
Cost Free
Phones iOS
County USA

Apps to Track Spending

14. Pocket Guard

The pocket guard is the app that helps you to create a simple budget and maintain your financial activities well.

Features of Pocket Guard App
  • Here you can make categories for spending like- food, groceries, bills etc. That will help you to be aware of your cash flow.
  • You can put your budget on autopilot mode with this app
  • Pocket Guard helps you to find good saving account options with a high-interest rate and also provides you other ways to save money.
Cost Free
Phones iPhone, Android
County USA, Canada

Excellent Apps to Track Spending

15. Wally

Through the Wally app, you can set your financial goals and achieve them. Make you of this free budgeting app that keeps your cash flow records.

Features of Wally App
  • You can synchronize your bank account with this app easily
  • This is a certified and secured app.
  • You can create budgets with this app
  • Track your expenses
  • You can easily set saving targets
  • Set your currency symbol according to your country’s currency
Cost Free
Phones iPhone
County USA, Canada, India, available in a total of 70 countries

Apps for Expense Tracking

16. Personal Capital

This app is very useful and popular. Around 2.4 million people already using this app and getting a lot of benefits. You can see your cash flow easily with this app.

Features of Personal Capital App
  • The dashboard of this app is very organized. You can easily see your cash flow without clutter.
  • You can track your all expenses like rent, shopping etc at one place.
  • Set saving goals with this app.
  • Prepare a very effective budget with this app.
  • You can get personalized advice related to wealth management by this will cost you some charges.
Cost Free
Phones iPhone, Android
County USA

Best Spending Tracker Apps

17. Split Wise

Sharing expenses is also a part of the budget. You will save a lot of money by doing this. You don’t need to bear all the expenses on your shoulder alone. So use this Split Wise app and share the expenses.

Excellent Features of Split Wise App
  • Easy to split bills with your friends and family
  • Store all the data at so that it will be easy to split the bills
  • You can split the with one or even create a group of people
  • If you get confused then you can use fairness calculator in this app to split expenses
  • You can easily track and split expenses
Cost Free
Phones iPhone, Android
County All the countries

Expense Tracking Apps

18. Prism

Prism app is for you if you always forget about bill due dates and pay an extra fine. This app helps you to pay bills and track your bill payment records.

Features of Prism App
  • You will get all the reminders to pay your bills on time
  • No matter whether it’s your Netflix bill or utility bill, you get all your bills at a single place
  • You can check your all previous bill payment details without clutter
Cost Free
Phones iPhone, Android
County USA

Easy to Use Apps for Tracking Spending

19. Simple

The name of the app itself describes features. Well, this app helps you to keep track of your money at a glance. There are some fun and interesting features in this personal finance app.

Features of Simple App
  • You can add your favorite pictures beside the transactions. This will help you to remember the purchase or transaction.
  • You can quickly search your purchases and see your particular expense
  • You can easily set you long and short term saving goals
  • With the round-up rules, you can save spare changes without extra efforts
  • There is no need to maintain any minimum amount to open an account with the Simple app
  • There is no monthly fee
Cost Free
Phones iPhone, Android
County USA

Expense Tracking Apps for Free

20. Pocket Smith

By using Pocket Smith, you can prepare 12 budgets for free. And also you can track your all expenses.

Features of Pocket Smith App
  • You can manage multiple income streams and also loans like paying off student loans along with other expenses at a single place with this app.
  • Track you all the expenses with this app manually
  • If you choose premium plans you can track your expenses by connecting your bank accounts
  • This app is available in all most all the countries. So you can choose your currency and track expenses in your own currency.
Cost Free

or Premium plan: $9.95/month

or Super plan: $19.95/month

Phones iPhone, Android
County All the countries

Free and the Best Expense Tracker Apps

21. HoneyFi

HoneyFi app is quite different from other expense tracker apps. This app is very effective for couples who want to save more money together and track expenses.

Features of HoneyFi app
  • You can easily track your bills, spending and budget at a one place
  • This app helps a couple to save money and pay down debts together without stress
  • Couples can easily set rules for saving money through this app
  • You and your partner can link accounts easily and stay in such. This helps to save extra money
  • Get saving bonus
Cost Free for 30 days

$5/month per couple

Phones iPhone, Android
County USA

Spending Tracking Apps

22. Google Sheets

If at all you don’t want to use any other apps and if you feel all other personal expense tracker apps are complex to use then Google Sheets are the best option for you. You even don’t need to worry about safety with this app.

Features of Google Sheets App
  • You will get one free budget and expense tracking template. This includes many categories like rent, bills etc.
  • You can prepare your own sheets for free as many as you want
  • You can represent your expenses and see your cash flow in the form of graph or charts if you are quite aware of excel sheets
  • You can you color combinations in the sheets
Cost Free
Phones iPhone, Android
County Worldwide all the countries

Best Expense Tracker Apps

23. My Budget Book

This is a very useful app if you are very serious about budgeting and tracking expenses. This app has the best features in it. So many people are using this app and totally satisfied with the services.

The Best Features of My Budget Book App
  • You can easily customize everything on this app.
  • While budgeting, you can set limits to each category like food, clothing etc. This is the special and very effective feature of this app.
  • You can download the data easily
  • You will get good customer care support
  • You can see your every expense very clearly and also you can see expenses in the form of graphs and charts.
  • Add photos or image of receipts
  • Back up facility is that so that you don’t lose your data
  • You can use reminder feature in this app to make payments
Cost One time upfront charge $2.99
Phones iPhone, Android
County Worldwide all the countries

Easy and Free Spending Trackers

24. Household Account Book

If you are a teenager and love cartoons then you will love this cute expense tracker app. It helps you to track your expenses and also visual effects are very cute. So try this app.

Features of Household Account Book App
  • Universal app, you can set any particular currency
  • You can  transfer your data about expenses or you can download
  • Has many categories and even you can create new categories to track expenses
  • You can on or off the notifications
Cost Free

Or Premium Plan (remove ads)

Phones iPhone, Android
County Worldwide all the countries

Expense Tracker Apps

Are Spending Tracker Apps Safe?

Yes, the majority of the spending tracker apps are safe. Most os the personal expense tracker apps maintain a high level of security.

And some apps also include features like fingerprint or passcode. So you can use these apps safely. You can download these apps on Apple Store and Google Play Store.

I feel that personal tracker apps are a must for you if you are struggling to maintain the record of your day-to-day expenses. With the help of this app, you can find your all money related data at a single place. So try these apps and let me know which app you liked the most.

Hi. I’m Ankita. I’m here to help you adapt to frugality happily 🙂 I love learning new things. Nowadays I’m learning more about saving money and frugality. So on Frugal Beat together we will learn to create financial magic.

Now it’s time to walk towards financial freedom together. Reach out to me on Quora and Pinterest🙂