Top 15 Apps for Expense Tracking 2026

August 18, 2025

It's no secret that apps are becoming increasingly popular. There are many different types to suit almost every taste. Some entertain, others make life easier, and there are even those that serve as "assistants" and allow you to keep track of specific tasks or activities.  Among the most useful are expense tracking apps, which provide accurate data on income and expenses, facilitating everything related to personal finance management and administration. Here are the 15 most popular apps on this topic, so if you don't know them, take note:

What are financial apps?

Close-up of an entrepreneur working from home on his personal finances and savings

Financial applications, commonly known as financial apps, are programs designed for mobile devices or computers that offer features related to the management and administration of personal or business finances. These applications facilitate various financial tasks, such as tracking expenses, creating budgets, managing investments, paying bills, and analyzing credit, among others.

Financial apps are often useful tools for improving financial organization and informed decision-making, as they provide quick access to information about bank accounts, credit cards, investments, and other financial matters. In addition, many of these applications use advanced technologies such as cloud synchronization, artificial intelligence, and data analysis to offer more efficient and personalized services to users.

In summary, financial apps are digital tools that help users manage their finances more effectively and conveniently, adapting to the specific needs of each person or business.

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How can I keep track of household expenses if I don't earn much?

Keeping track of expenses when you have a limited income or are managing your household budget can be crucial to maintaining healthy finances. Here are some recommendations on how to do this using financial apps:

Tips for keeping track of expenses

  1. Set a budget: Define how much you can spend on different categories such as food, transportation, utilities, among others. This helps you allocate your monthly income effectively.
  2. Record all expenses: Write down every expense you make, even small ones, to get a clear picture of where your money is going. Financial apps can make this easier by allowing you to quickly record expenses and categorize them automatically.
  3. Use a financial app: Apps such as Expense Manager, MoneyWise, or Goodbudget are useful for recording and categorizing your expenses. You can set reminders to ensure you don't forget any expenses and get detailed reports on your finances.
  4. Prioritize needs over wants: When managing a tight budget, it's crucial to distinguish between what is necessary and what is desirable. Apps can help you set savings goals and stick to your financial commitments.
  5. Analyze spending patterns: Regularly review the reports and graphs provided by these applications. This will allow you to identify areas where you can reduce expenses and improve your financial management.
  6. Look for savings options: Some apps offer personalized tips for saving money, as well as tools for setting short- and long-term financial goals.

Advantages of using financial apps

  • Accessibility: You can keep track of your finances from anywhere, anytime.
  • Automation: They facilitate automatic expense categorization and report generation, saving you time.
  • Security: Many apps use advanced security measures to protect your financial information.
  • Financial education: Some apps offer educational resources and tips to improve your financial habits.

By combining these tips with the proper use of financial apps, you can effectively track your expenses even on a limited income, thereby improving your ability to manage your personal or family finances efficiently.

Here are some of the most popular and recommended financial apps:

Splitwise

This app allows you to split expenses and keep track of who owes whom, which is very useful for sharing expenses with friends or family. For example, it's very useful when you share an apartment, go to a dinner with a lot of people, or take a trip. Give it a try!

Speende

This app focuses on creating budgets and controlling expenses effectively, as it allows you to visualize your finances, set goals, and save more effectively by clearly seeing what you are saving and what you are spending.

Sprouts

This app is very easy to use. With it, you can record your daily expenses, categorize them, and generate detailed daily reports that you can use to analyze your spending patterns.

Wallet

It's a very comprehensive app where you can sync your bank accounts, credit cards, debit cards, and even cryptocurrencies. This allows you to view all your finances in one place.

Wally

This allows you to set limits on your budget, as well as scan receipts to make it easier to record all your purchases.

Fintonic

It is a very popular app for tracking expenses that allows you to connect bank accounts and both debit and credit cards so you can see all your transactions immediately. An added bonus is that it offers tips on the best ways to save and manage your money.

Money Lover

It is an application that helps manage personal finances to assist in controlling expenses. It has a debt tracking feature so you can keep track of who you owe money to.

Bluecoins

Thisapplication has many advanced features that allow you to create and manage budgets in detail, generate reports, and track investments and expenses.

Money Manager

This allows you to track income and expenses, and you can access charts and visual tools that help you better organize your finances.

Monefy

It has a very user-friendly interface, records taps, expenses, and displays finances.

Subscriptions

It helps you organize and track recurring payments, notifying you when a subscription is about to expire.

Ynab

It is very easy to use and allows you to organize your expenses, meaning you have better control over them. It helps you organize your income and encourages you to save.

SayMoney

This application allows you to manage unnecessary expenses efficiently by tracking profitable passive income and expenses, setting budgets, and establishing spending patterns.

Mone Hero

It's like a game! It allows you to save money through graphics, and you can also access rewards. You can also receive personalized savings tips using the kakebo method .

Daily expenses

It is a very simple app where you can categorize all your expenses, as well as manage reminders and notes, allowing you to know how to manage your finances. You can use it every day as it is very simple and intuitive.

As you can see, each app offers very special features that suit your needs and tastes. Some may be more intuitive than others, more graphic, or simply give you a helping hand with practical advice for managing your daily finances.

And that's not all; the list is longer and worth checking out. Other names that cannot be left out are:

Expense Manager

It allows you tocontrol your expenses by keeping track of everything that comes in and out of your accounts and cards in great detail. You can set categories, schedule payment reminders, and generate reports. With this app, you can synchronize your data in the cloud.

Home Budget Manager

Thisapp is specifically designed to help you manage your household finances, and the new feature is that it allows you to categorize household expenses, such as food, rent, and bills. It also gives you ideas for saving money.

Expense IQ

Withthis app, you can track your finances, monitor your investments, and get information and planning tools for paying off your debts.

Spendee

It isan app with a very attractive interface and several useful features for managing expenses, allowing you to track your spending and have all your budgets visualized and customized.

MoneyWise

It isa very simple app where you can record daily transactions, with categories and graphs. It allows you to analyze your expenses and offers savings tips.

Benefits of using an app to track expenses

Businesswoman's hand with financial charts and cell phone on laptop on table.

If, in addition to all these descriptions, you need more reasons to enter the world of these expense management apps, here are some more:

  • Tracking: You can easily track your spending and income while organizing and recording your finances. You can also keep track of your daily transactions, such as purchases, payments, or bills, in a visual and accessible way.
  • You can categorize your expenses, dividing them by area or value, making it easier to see where your money is going.
  • Set budgets: This helps you plan your budget better, and you can also receive alerts when you exceed those limits, so you can control what you spend and not go overboard.
  • Analysis and reporting: They provide tools to analyze spending patterns and generate charts and reports.
  • Debt management: Some of these apps have a tool that allows you to see what your debts are and plan your payments. This way, you won't forget your financial commitments.
  • Savings and goals: There are apps that give you ideas about saving and also let you set financial goals to make it easier to achieve them.
  • Synchronization: Many of these applications can be synchronized across your devices. This means that you can view all your financial information using just one of them.
  • Accessibility: The applications are accessible, and you can learn how to use them in a short time.

Remember that these are tools that allow you to better organize your finances. You don't have to be a business to know how to manage yourself and have a clear understanding of how you are handling your money, as this will give you many benefits, such as financial fluidity, organized payments, and visibility of your savings. So it's worth a try.

Conclusion

If you want to improve how you manage your finances, these apps may be an option. Download the one you think best suits you, and if it doesn't work for you, try another one. The idea is that you feel comfortable using it. Ultimately, the most important thing is that there are a number of alternatives that will allow you to improve your financial health through planning, in a simple but very effective way. When will you start? It will surely be very useful! Keep in mind that controlling your finances will save you more than one headache and allow you to have more peace of mind.

Follow the advice given by real estate investment experts, because in addition to being a platform that specializes in real estate asset tokenization andreal estate crowdfunding, it provides you with money-saving methods for your financial economy.

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Sergio Navarro

Expert in blockchain, investments, and personal finance.

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