10 Top Expense Tracker Apps for iPhone and Android

Saving money while managing essential needs is an art few master. Cutting extravagant spending and boosting savings may seem challenging, but it’s straightforward if you stick to your budget. Whether you’ve resolved to save more in 2022 or manage finances like a pro, these 10 top expense tracker apps for iPhone and Android can give you a timely boost.

Top Expense Tracker Apps for iOS and Android (2022)

Expense tracking apps typically enable you to set a budget with a specific savings goal. Once you’ve established a customized budget according to your expenditures, the app displays your total spending and alerts you if you exceed it.

These trackers also permit you to link all your accounts, streamlining management in one place, eliminating the need for switching between multiple platforms and saving time. The bill tracker ensures you’re informed about upcoming bills, preventing potential fines.

These expense tracking apps provide deep insight to help you sort out your financial mess and boost your savings. Now that you have a fair idea about their modus operandi, let’s get started with the top spending trackers for iOS and Android!

1. Wally

If an easy-to-use and smart personal finance assistant is what you’re after, “Wally” is the one to try. The expense tracker lets you set a budget depending on your goal and helps you track every expense, ensuring you don’t miss out on the essentials.

Arguably, Wally’s standout feature lies in its capacity to synchronize all your accounts and monitor them from a single location. With a streamlined dashboard, this expense tracker simplifies monitoring account balances.

Significantly, it furnishes two years of comprehensive insights into your spending habits, enabling you to identify areas requiring more attention. Interactive pies, bars, and line charts facilitate a thorough examination of every detail, revealing areas for improvement. Ultimately, Wally emerges as a top-tier expense tracker app for iOS and Android, offering effortless financial management.

• Streamlined dashboard
• Account synchronization
• Two years of comprehensive insights
• Interactive charts: pies, bars, and lines

Installation: Available for iOS and Android (free, with in-app purchases)

2. Spendee

Spendee is a sleek budgeting app designed to trim unnecessary expenses and boost savings. After testing it out, I can confirm that it effectively monitors spending and prevents excess without any hassle.

The app features an intuitive, fully customizable interface. You can tailor your budget to fit your needs and pace, while Spendee automatically categorizes expenses for easy tracking.

Thanks to the infographics, detailed graphs, and insights, you will understand your spending habits clearly. It features a dark mode for nighttime use.

Key features:

• Flexible budget
• Automatically organizes expenses
• Detailed graphs
• Dark mode

Install: iOS and Android (free, offers in-app purchases)

3. Pocket Expense 6

If you desire a comprehensive personal finance assistant, Pocket Expense may suit your needs. For simplified expense tracking, the app syncs all your accounts for seamless management. Daily, weekly, monthly, and yearly stats provide transparent spending insights.

Featuring recurring and non-recurring budgets, it streamlines finance management. You can transfer funds between budgets and set custom alerts for bill reminders. The calendar view enhances accessibility to essential information.

Pocket Expense offers trusted password protection to prevent unauthorized access. Additionally, it provides an option to back up and restore data effortlessly. In summary, it’s a highly-rated expense tracker that can significantly improve your finances.

• Transaction reports
• Password protection
• Calendar view
• Reliable backup and restore

Install: iOS (free, with in-app purchases)

4. Mint

Mint is acclaimed as the number one personal finance and budgeting app. It excels in empowering users to control expenses. Users can set financial goals and leverage actionable insights to reduce unnecessary spending, thus saving more money.

Depending on your goal, Mint offers personalized tips to identify and eliminate culprits. A standout feature is the efficient bill tracker, crucial for managing recurring expenses. Bill pay reminders keep you informed about upcoming bills, preventing fines.

Another highlight is the money tracker, offering a quick view of your account balances and budgeting for complete control. Mint also provides your credit score, indicating your credit performance.

• Personalized tips
• Efficient bill tracker
• Money tracker
• Credit score
• Managing recurring expenses

Install: iOS and Android (free, offers in-app purchases)

5. Spending Tracker

While Spending Tracker may not be feature-packed, it covers all essential expense tracking needs with user-friendly tools for monitoring and reducing unnecessary spending. The app features a clean interface and enables tracking on a weekly, monthly, or yearly basis. Users can establish a fixed budget based on their targets and monitor spending accordingly.

Spending Tracker provides a summary of spending progress, allowing quick expense assessment without extensive navigation. It simplifies transaction entry and provides options for repeating or exporting transactions.

What I love most about this app is the option to choose a specific icon for each category, adding a personal touch. With insightful visualization, it offers a bird’s-eye view of your spending, making it easier to track down and eliminate extra expenses. In summary, Spending Tracker ranks among the top expense tracker apps for Android and iOS.

• Clean interface
• Flexibility to set a fixed budget
• Insightful visualization
• A summary view

Install: iOS and Android (free, with in-app purchases)

6. Money Lover

If budget planning is inconvenient, consider using Money Lover. This app simplifies budget setup and allows you to create multiple sub-categories for monitoring expenses, both major and minor.

With tailored advice, Money Lover helps you manage your budget wisely and identify areas to cut back on spending. It includes a built-in calculator for quick calculations and integrates with your bank accounts for hassle-free transaction tracking.

With the bank accounts report, stay informed about expenses and in control of your money. Money Lover ensures security with bank-level protection for your sensitive information.

• Option to create sub-categories
• Hassle-free total spending tracking
• Built-in calculator
• Bank-level security

Install: Available on iOS and Android (free with in-app purchases).

7. Moneyfy

Moneyfy is an expense tracker that appears comprehensive in every aspect. The app offers detailed charts for insightful spending analysis, aiding in both saving enhancement and overspending elimination.

It includes features such as recurring record tracking, multiple currency support, and a built-in calculator. The detailed reports keep users informed about their spending habits and provide pro tips to prevent overspending.

Moneyfy supports both Google Drive and Dropbox for data synchronization across devices. You can enable a strong passcode to prevent unauthorized access.

Key features:

• Multiple currency support
• Efficient calculator
• Detailed reports

Install: Available on iOS and Android (free, with in-app purchases)

8. Expensify

Hunting for a comprehensive expense tracking app for your iOS or Android device? Expensify demands attention. Track business and personal expenses, scan receipts, and book travel. Integrates with accounting apps like QuickBooks, Xero, NetSuite, Sage Intacct, and others for enhanced expense management.

The custom report exports, insightful tracking, and advanced tax reporting are crucial for maintaining awareness of necessary financial actions and addressing obstacles hindering full potential. PCI-compliant security serves as essential protection for sensitive information. In summary, Expensify is a versatile expense tracking app for Android and iOS.

Key features:

• Integrations with various accounting apps
• Custom report exports
• Advanced tax reporting
• PCI-compliant security

Install: iOS and Android (free, with in-app purchases)

9. Money Manager: Budget&Expense

For those who seek simplicity, Money Manager exceeds expectations. Here’s why it deserves serious consideration. Firstly, it boasts a streamlined calculator for quick math. Secondly, it consolidates all accounts and offers the flexibility to create numerous sub-categories.

Thirdly, Money Manager supports multiple currencies and provides a calendar overview of your set rules. What’s particularly useful is its effective credit card management, allowing you to monitor payment amounts, outstanding balances, and even sync with bank accounts for automated expense recording.

Money Manager sorts expenses by receipt for graphical viewing. Additionally, it offers useful backup and restore functionality.

• Set up sub-categories as needed.
• Manage credit cards proficiently.

Install: Available on iOS and Android (free with in-app purchases)

10. Wallet – Daily Budget & Profit

Wallet, a proficient personal finance app, efficiently manages your budget with its flexible budgeting system. You can set one-time or recurring budgets, combining categories as needed, and effortlessly sync transactions with your bank.

Additionally, Wallet offers insightful reports with user-friendly graphs and financial overviews, allowing you to monitor your finances, credit and debit cards, cash, and more. It also supports multiple currencies and ensures secure cloud synchronization for easy accessibility across devices.

Wallet, an adept personal finance assistant, facilitates precise spending management.

• Supports multiple currencies
• Insightful reports
• User-friendly graphs and financial overviews
• Seamless cloud synchronization

Install: iOS and Android (free, offers in-app purchases)

Top Expense Tracking Apps for iOS and Android (Free and Paid)

These are the best spending trackers for effective expense management. Through detailed reports and actionable insights, they provide comprehensive expenditure information. Moreover, they offer expert advice to reduce unnecessary spending and boost savings.

What’s your preferred spending tracker? Share in the comments below. Additionally, recommend any other apps that excel in finance management and savings enhancement.