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Top 10 apps to help you save money

Reinvent the way you save with the best money apps on the market.

If you’re trying to get your finances under control, the tool to do this could be your mobile phone or your tablet. Here’s our pick of 10 of the best money management apps on the market to help you get your money situation sorted.

10 money apps to help you save

SeedlySeedly app screenshot

Developed in Singapore, Seedly is the first one-stop app designed to help you manage everything from account balances to expenses.

One main feature that sets Seedly apart from its competitors is the ability to integrate your transactions from banks such as DBS, POSB, OCBC, UOB, Citibank, Standard Chartered, American Express and credit cards. This allows all your expenses to be categorised automatically within the app and view them at a glance.

Key features:

  • Expense tracker. Stay in line with your budget and track your month-on-month expense comparisons.
  • Budgeting tools. Set up a personalised monthly budget for all types of expenses or sort them by categories
  • Automatic synchronisation. Keep track of all your transactions across various bank accounts within a single app.
  • 2FA and asymmetric encryption. Rest assured that your data and account access are protected with top-of-the-line security features.
  • Minimalist user interface. User-friendly UI/UX design allows users to navigate the app’s features with ease
  • Financial insights. Stay informed with the latest investment guides, stock analysis, retirement plans and other personal finance-related topics from reputable contributors.
Price: Free
Compatibility: Available on both Android and iOS

Spendee Budget & Money TrackerPicture not described

Downloaded by over 2,000,000 users worldwide, Spendee is a fuss-free expense tracking app that offers complete control over your cash expenses, bank transactions, e-wallets and crypto-wallets.

Whether you prefer to sync all your accounts or input transactions manually, staying on top of your personal, business or household finances is simplified with features such as multi-currency tracker, shared wallets, detailed infographics, customisable notifications and more.

Key features:

  • Budgeting for different categories. Set your budget and customise alerts to notify you when you hit a spending threshold (e.g. when you spend 75% and 90% of your budget). Free users can only set one budget, but plus or premium users are entitled to unlimited budgets for different categories.
  • Simple infographics. Understand your financial habits at a glance with visually-appealing charts and graphs.
  • Multicurrency tracking. Enjoy easy tracking for your travel expenses with the option to set different currencies for each wallet, modify exchange rates and even view the transactions in your default currency.
  • Scheduled transactions. Set routine transactions such as rent, insurance or mobile bills to be automatically included in your monthly expenses. You may also turn on notifications to remind you when these payments are due.
  • Shared wallets. Track shared expenses with your loved ones or friends with this paid feature.
  • Import and export data. You may import your past transactions through the Spendee Web App or keep soft copies of your transactions by exporting your wallets from the mobile app to either CSV or XLS files.
  • Award-winning user interface. Beautifully designed with seamless usability and flow.
Price: Free with in-app purchases
Compatibility: Available on both Android and iOS

MonnyMonney

Gauge your spending, income and balances conveniently with Monny, an expense tracking app with a gamified experience. Built with fun gaming elements, Monny utilises pop-up challenges and award incentives to encourage users to reach their financial goals.

Key features:

  • Analytical reports and charts. Analyse your spending habits with monthly or annual expense ranking charts. You may also filter your expenses by category to see where most of your money is going.
  • Milestone achievements. Be rewarded with new in-app achievements every time you accomplished a mini-challenge designed to help you achieve your financial goals.
  • Daily notifications. Benefit from daily reminders to log in and record your expenses.
  • Import and export data. You have the option to import past data into the app or backup through various export options.
Price: Free with in-app purchases
Compatibility: Available on both Android and iOS

You Need A Budget (YNAB)You Need A Budget app screenshot

    YNAB is a personal finance app focused on helping users build financial responsibility while getting their spending on track.

    It is jammed-packed with a variety of budgeting tools that allows you to manage your money without investing too much time and effort. The app comes with features such as bank synching and transaction matching, which takes the tediousness out of traditional pen and paper logging.

    Key features:

    • Bank synching. YNAB allows you to connect directly to your financial accounts so you won’t have to log all your transactions manually.
    • Transaction matching. To ensure accuracy of your expense record, YNAB is equipped with the technology to match up imported transactions with those you input manually.
    • Real-time access. Gain real-time access to all your expense data across multiple devices.
    • Detailed reporting. Track your progress and better understand your spending habits through sophisticated visual spending and trend reports.
    • Data encryption. Your data is stored on secured servers and protected with multiple layers of encryption, as well as bcrypt hash on all user passwords.
    • Round-the-clock support. If you encounter any technical difficulties on the app, simply get in contact with YNAB has a round-the-clock support team.
    • Budgeting workshops. Make better spending decisions and learn about finance management with over 100 free, live workshops every week.
    Price: 34 days free trial. Monthly or annual subscription.
    Compatibility: Available on Android, iOS and web platforms

    Household Account Book Household account book

    Definitely the cutest budgeting app on the list, Household Account Book allows you to record your income, expenses and motivates you to save. With a design inspired by Japanese planners, this fun app is filled with adorable illustrations by Kanahei, one of the world’s top digital sticker entrepreneurs according to Forbes.

    Once you launch the app, you’ll be introduced to two lovable mascots, Piske and Usagi, and a comic-style story that unfolds with regular use. Since it only offers basic documentation and comparison features, Household Account Book is an ideal app to instill simple budgeting habits in older kids.

    Key features:

    • Expense overview. Get a big picture of your daily or monthly expenditure presented as a pie chart, which is divided into spending categories.
    • Simplified features. The app does not have any fancy features and transactions are limited on a daily or monthly basis. This makes it easy for those only looking for basic transaction logging feature.
    • Aesthetically pleasing UI design. The app is donned with adorable graphics, pastel colours and cute mascots.
    • Customisable categories. You can edit or make your own category, as well as select one of the adorable illustrations as the icon for your custom category.
    • Story mode. The story of the two iconic characters in the app is revealed with frequent use, motivating you to use the app and save more often.
    Price: Free with in-app purchases
    Compatibility: Available on both Android and iOS

    TOSHL FinanceTOSHL App Screenshot

    TOSHL Finance allows you to monitor all your personal finances in a single app. It comes with a host of features to help you consolidate and analyse your expenses on a weekly, bi-weekly or monthly basis, presented in various visual representations.

    Avid travellers and digital nomads can also track how much they spend whilst travelling as TOSHL Finance supports all currencies, including 30 cryptocurrencies.

    If you’re looking for advanced features such as automatic bank sync, unlimited financial accounts and fingerprint scanning, you can consider its paid options, TOSHL Pro and TOSHL Medici.

    Key features:

    • Hassle-free data input. Enjoy quick and easy 4-tap expense entry or import data from your online bank files in the web app. TOSHL also allows integration with over 13,000 different bank accounts, credit cards or financial services in the US and other countries.
    • Advanced data entry features. Add detailed data to your entries, such as multiple tags, financial account, location, description, recurring expenses, bill reminders and even photos.
    • Extensive data visualisations. Pie charts, bubble graphs and expense locations map provides a quick overview of where your money goes each month. You can also analyse your as month-on-month comparisons and filter expenses by category, tag and location.
    • Multi-currency support. The app supports input in almost 200 currencies with the latest exchange rates, including 30 cryptocurrencies.
    • Auto-sync with multiple devices. Your data is automatically synced and backed-up across all your mobile devices and the web app.
    • Notifications. Receive bill reminders and alerts when you’re approaching your budget limits.
    Price: Free with in-app purchases.
    Compatibility: Available on Android, iOS and web platforms

    ZenmoneyZenmoney app screenshot

    Zenmoney is an expense tracker app that comes with smart text recognition and self-learning technology on top of all the essential features for logging finances in different categories (e.g cash, credit cards, loans, bills, deposits etc).

    Its ability to analyse and automatically log transaction entries based on incoming text messages is a huge time-saver, ensuring that you don’t miss out on them.

    Zenmoney can also predict your future expenses according to your spending patterns, so you can plan and decide if you need to cut back on some costs.

    Key features:

    • Text recognition technology. Recognise texts from your bank and automatically creates transactions.
    • Available on both mobile and desktop. Manage your money on-the-go or at the comfort of your desktop with a larger screen.
    • Expense prediction. This smart app is able to analyse and predict your expenses for future fiscal periods based on your spending habits.
    • Money management for different account types. Track your own finances or as a family with either a personal or joint account type. Joint account management allows anyone with access to log in and enter data.
    Price: Free with in-app purchases.
    Compatibility: Available on Android, iOS and web platforms

    Money LoverMoney Lover App

    Better manage your money, plan budgets and save to attain your financial goals with Money Lover, an award-winning expense tracker app. Besides tracking and categorising your expenditure, the app also offers a wide range of sophisticated features such as multiple device sync, bill notifications, as well as debt and loan management.

    If you upgrade to their premium version, you’ll be able to access additional features such as data export, picture attachment and create unlimited wallets, budget and savings plans.

    Key features:

    • Budget planner. Create budgets efficiently with just a few steps. The app can also analyse your spending patterns and generate advice on how you can stick to your budget.
    • Simple graphs. Get a clear overview of your cash flow and spending patterns with visually-appealing graphs.
    • Notifications for recurring transactions. Set up recurring transactions (e.g. telco bills and insurance payments) and receive payment reminders.
    • Multi-currency support. The app supports input all currencies with the latest exchange rates, including cryptocurrencies.
    • Auto-sync with multiple devices. Your data is automatically synced and backed-up across all your mobile devices and the web app.
    • Integrated calculator. Do your math on-the-go without the hassle of going back and forth between Money Lover and your mobile’s calculator app.
    • Available on both mobile and desktop. Works across multiple platforms – mobile, tablet, PC and Web.
    • Scan receipts. Take a snapshot of your receipts for auto-processing and organisation.
    Price: Free with in-app purchases.
    Compatibility: Available on Android, iOS and web platforms

    ExpensifyExpensify app screenshot

    Built for companies of all sizes, Expensify is a corporate expense tracker app designed to streamline your corporate expense management. With this mighty app, you can scan receipts, track personal and business finances, and make travel bookings all in one app.

    Expensify provides the ability to integrate your employees’ business expenses as long as the same email domain is linked via the app. This simplifies the process of tracking data such as employee transactions and claims submissions.

    Other notable features included in the app are GPS mileage tracking, corporate card consolidations and SmartScan technology, which captures details from images of receipts.

    Key features:

    • Expense management. Real-time data processing and submission of business expenses for accounting, reimbursements and more.
    • Travel booking. Book your flight, accommodation and cars rental through a round-the-clock concierge.
    • Corporate cards. Records charged transactions on Expensify’s corporate cards.
    • Receipt scanner. Expensify’s SmartScan technology is able to capture details of your spending directly from a snapshot of your receipts.
    • Receipt integrations. Connects and retrieve transaction information from supported apps such as Uber, Lyft, Hotel Tonight and Grab.
    • Automatic currency convertor. Supports multiple currencies and view the latest exchange rates.
    • Accounting software integration. Saves hours of data entry through automatic sync with accounting software such as Xero, QuickBooks, NetSuite, Sage Intacct.
    Price: Free with in-app purchases.
    Compatibility: Available on Android, iOS and web platforms

    Spending TrackerSpend Tracker App Screenshot

    If you’re looking for an easy-to-use financial app to use on your mobile, Spending Tracker could be the one for you. Featuring a minimalist and intuitive user interface, this app allows you to track your spending quickly and conveniently without any complicated data entry.

    To access additional features such as repeat transactions or data export, you’ll need to purchase the app’s Pro Upgrade.

    Key features:

    • Budget mode. Set budgets to meet your financial goals. You may also choose to carry over your remaining budget to the next fiscal period.
    • Expense tracking. Track your income and transactions over any preferred time period – weekly, monthly or yearly.
    • Finance overview. Get a quick overview of your main areas of spending on visually-appealing and interactive charts.
    • Customisable categories. Create and edit spending and income categories to sort the different types of expenses.
    Price: Free with in-app purchases.
    Compatibility: Available on both Android and iOS.

    Digital banks that help you budget and save

    Some banks also have mobile apps which offer features to help you track your budget, set savings goals and manage your finances with calculators and tools. Here are some of the banks with mobile apps that can help you get closer to your savings goals.

    Name Product Monthly fee Card delivery Supported currencies Mobile Payments
    YouTrip
    S$0
    5-8 business days

    10

    Apple Pay, Google Pay

    Use promo code FINDER5 to earn $5 on signup.

    A prepaid Mastercard with no monthly fees, contactless payment features and fee-free transactions in over 150 currencies. NOTE: Promo code valid for new signups and Singapore residents only.
    Aspire Business Account
    S$0
    3-5 business days

    1

    Apple Pay, Google Pay
    A virtual business debit card to help you manage business expenses. No foreign exchange fees and cashback perks of up to 1% on selected spending.
    Wise Multicurrency Account
    S$0
    2 - 3 business days

    6

    Apple Pay, Google Pay
    Wise (formerly TransferWise) is an international account for over 50 currencies, with instant, super-cheap money transfer, a card to spend in any currency, bank details to get paid in 30 different countries and multi-currency direct debits.
    Revolut Premium
    S$9.99
    Up to 4 working days

    21

    Apple Pay, Google Pay
    On top of standard Revolut perks, this debit card comes with unlimited spending and free overseas ATM withdrawals, up to $700 per month.
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