9 Best Budgeting and Expense Tracking Apps in Singapore (2026)
Nine budgeting and expense tracking apps available to Singapore users, with what data each says it needs, from manual entry to bank and Singpass links.
- Edited by
- Amir Wahab
- Published
- Reading time
- 7 min read
AI image by LocalRankBudgeting apps differ less in their charts than in how they get your data. Some ask you to type every purchase, some link to a bank, and one is a bank feature that draws on Singapore's national data exchange. This page lists nine tracking tools that appear on Apple's Singapore App Store or, in one case, a Singapore bank's own site, and each write-up says what data access the provider itself describes. We left out apps that are no longer running and platforms that sell insurance or investments. The order is an editorial grouping, not a ranking. This is general information, not financial advice, so check each provider's current terms before you sign up.
1. Spendee
Spendee is a budgeting and expense-tracking app from the Czech company Spendee a.s., listed on Apple's Singapore App Store. Its listing says you can log cash spending by hand or connect online banking, e-wallets and crypto wallets so balances sit in one view, and it describes shared wallets, multi-currency support and spending alerts. The listing does not say which banks can be connected, so check inside the app whether your own Singapore bank appears before counting on automatic sync; manual entry is the fallback. Spendee presents itself as a tracker rather than a bank or adviser, and its site says it does not move money or give investment advice. Read its privacy notice and current plan terms on its own site before connecting any account.
2. Wallet by BudgetBakers
Wallet by BudgetBakers is a personal and family finance app made by the Czech company BudgetBakers s.r.o. and listed on Apple's Singapore App Store. Its site and listing describe two ways of getting data in: typing transactions manually, or synchronising with banks through connections it says cover thousands of institutions worldwide. Neither page says which Singapore banks are supported, so confirm your own bank inside the app before assuming automatic sync will work. They also describe budgets, spending reports, bill tracking and a stock-tracking feature. The company's site positions Wallet as a tracker and analytics tool and says it does not move money or provide investment advice. Review its privacy policy and current plan terms on its own website before connecting an account.
3. Money Lover
Money Lover is a money-management app developed by Finsify JSC and listed on Apple's Singapore App Store. Its site and listing describe expense and income tracking, budgets, bill reminders, debt management, savings goals and multi-currency support. Transactions can be entered manually, and the listing also describes a Linked Wallets feature that connects bank accounts for automatic updates; it says this needs a paid subscription and names Singapore among the countries whose banks are supported. Which specific banks are covered is worth confirming inside the app. The pages we read describe a tracking tool and do not say it moves money or gives investment advice. Check the privacy policy, how bank credentials are handled and the current plan structure on its own site before linking anything.
4. YNAB (You Need A Budget)
YNAB, short for You Need A Budget, is a budgeting app from You Need A Budget LLC, listed on Apple's Singapore App Store. Its site and listing describe a plan-first approach in which you give each dollar a job, track goals, plan debt repayment and share a plan with other people. Transactions can be entered manually, and the listing also mentions automatic bank linking; the pages we read do not say which countries' banks can be linked, so check its help centre for Singapore coverage before assuming it. The company presents YNAB as a budgeting tool rather than a bank or investment platform, and nothing we read says it moves money. Read the current plan terms on its site.
5. Goodbudget
Goodbudget is a digital take on envelope budgeting, developed by Dayspring Technologies, Inc. and listed on Apple's Singapore App Store. Its site describes virtual envelopes for spending categories, budgets shared across phones and the web, savings and debt-payoff tracking, and spending reports. Day-to-day use is manual: you enter transactions yourself. The site says paid-plan users can import bank transactions, but the pages we read do not state whether Singapore banks are covered, so confirm that before relying on it. Goodbudget describes itself as a budgeting and planning tool and does not present itself as a service that moves money or gives investment advice. The method is hands-on by design; check plan limits on its own site.
6. Monefy
Monefy is an expense-tracking app from Reflective Technologies ApS, listed on Apple's Singapore App Store. Its site says you can record a purchase in a couple of taps, and it describes categories, multiple accounts, recurring transactions and spending charts. On data access, the site is explicit that no bank login is needed: entries are made by hand or statements imported manually, and it says data stays on your device or in your own Google Drive or Dropbox if you choose to sync. By its own account, that makes it a manual-entry tool with no bank link. It presents itself as a tracker, and nothing on it suggests it moves money or provides investment advice. Check its site for current free and paid features.
7. Money Manager Expense & Budget (Realbyte)
Money Manager Expense & Budget is a personal finance app from Realbyte Inc., listed on Apple's Singapore App Store. Its listing describes simple manual data entry, customisable categories, multiple accounts and currencies, weekly, monthly and annual budgets and statistics, and double-entry bookkeeping for savings and loans. It also says you can connect a debit card to an account so expenses are recorded automatically, but it does not describe a general bank-linking service, so treat it mainly as a manual-entry tool. Backup is described through email, iTunes and iCloud, with a separate paid data-sync service, and the listing notes that the free version carries advertising. Nothing on its pages says it moves money or gives investment advice; check the privacy details and current plan terms yourself.
8. Monny
Monny is a gamified expense-tracking app from the Taiwan-based developer Greamer Co., Ltd., listed on Apple's Singapore App Store. Its listing describes expense and income tracking, multiple account books for different currencies or purposes, reports with category breakdowns and trend charts, home-screen widgets for quick entry, and savings-style challenges that turn budgeting into a game. The listing describes manual logging, with backup to Google Drive, Dropbox, email or Excel, and does not describe linking to a bank. It lists passcode protection for your data. The developer's landing page presents the app as simple, professional and fun, and nothing there says it moves money or gives investment advice. The listing covers Apple devices, so check the developer's site for other platforms and current plan terms.
9. OCBC Financial OneView
OCBC Financial OneView is a free financial dashboard offered by OCBC Bank, so it is a bank feature rather than a standalone budgeting app. Its pages say it runs on SGFinDex, the national financial data exchange, so after a Singpass login it can pull information from participating banks, insurers, SGX CDP, CPF, HDB and IRAS into one view, with personalised insights. This is the opposite of manual entry: the data comes from those institutions, and the page says you need a Singpass account and OCBC Internet Banking access. The page also lists payment functions such as CPF top-ups, so it is not purely read-only, and it describes a self-guided investment journey rather than advice. OCBC's footer carries the deposit-insurance statement; check current features there.
How to choose
- Start with how the app gets its data. Manual entry means more typing but no account access, while a bank link or Singpass-based data exchange saves effort but gives a third party read access to your accounts. Read the provider's own explanation, and confirm that your specific Singapore bank or institution is actually supported before you count on automatic updates.
- Read the privacy notice and the data-handling summary on the app store listing. Look at what personal and financial information is collected, whether it is linked to your identity, where it is stored, how backups and deletion work, and what happens to your records if the app is ever closed or discontinued, as some local apps have been.
- Check whether the app is only a tracker or also handles money. A budgeting tool should not need to move funds or tell you what to invest in. If a product mixes tracking with insurance, investments or payments, look for a clear statement of which licensed entity is responsible for the regulated part.
- Test the free version first and read the plan terms on the provider's own site. Note which features sit behind a paid tier, how renewals and cancellation work, and whether limits on accounts, categories or history would get in the way. Figures and plans change often, so rely on the current page, not old reviews.
- Match the method to your habits. Envelope budgets, daily spending allowances, gamified challenges and monthly reports all suit different people, and an app you stop using helps nobody. Consider whether you need multi-currency support, shared budgets with family, offline use or the ability to export your data before you commit.
. No changes recorded since.
Founder and Editor
Amir Wahab is the founder and editor of LocalRank, an independent Singapore rankings and local guides publication.
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