The 10 Best Spending Trackers

Our comprehensive list of the top spending trackers in the fintech sector.

Are you one of those people who doesn’t keep a budget? Who has no idea exactly how much you have or how much you’re spending, and just crosses your fingers that it all works out at the end of the month? Or do you have a comfortable enough income, but have a nagging feeling that you could be doing more with your money?

Then it might be time to get a handle on your spending. And what better way to do so than through your phone? Truth be told, our devices are almost always within arm’s reach. So, in the spirit of getting organized, we searched high and low for the best spending trackers and budgeting apps. These tools could change your mindset — and your net worth.


A fan favorite for a reason, Mint helps you manage your spending, saving, budget, and earnings, and it can even sync all of your accounts — from your 401(k) to IRA to savings accounts.

Mint has also been praised for its intuitiveness. It’s organized to give you a full picture of your financial situation — showing your recent transactions, account totals, your monthly budget, and even your credit score. It organizes your spending by category, and most importantly, it alerts you when you go over budget. Mint also sends you a free credit score when you sign up.

This really helps you stay aware of how much money you have each month. Even if you pay for everything in cash, you can manually enter each transaction and still take advantage of this feature.

I also love how Mint analyzes your spending habits and then helps you drill down on categories where you’re spending too much and need to cut back. And if you’re someone who doesn’t check their accounts daily, you can set up a low-balance threshold through Mint. That way, if you get close to your limit, you’ll be alerted.

Mint is free and available on iOS and Android.

Spending Tracker

Spending Tracker is a simple budgeting tool that allows you to manually input your expenses, easily showing if you’re spending more than you’re making.

I also love that it has “budget mode,” which allows you to set spending limits and alert you when you are nearing or passing them. You can also choose your preferred budgeting time period: weekly, monthly, or yearly.

Spending Tracker is free and available on iOS, Android, and Windows.


This budgeting app was designed to be both user-friendly and simple, helping users jumpstart the money management process. Like any budgeting app, you can track your income, spending, and budget. Wally also lets you store photos of your receipts and sends notifications when bills are due or you’ve reached a goal.

But what I really like are its location services. For example, if you’re shopping at Old Navy and go to enter your receipt amount, the app will automatically suggest locations, and it even saves locations where you shop often, making entering receipts a breeze.

The app is also designed for global use and can accept all available currencies. Another plus? It contains no advertisements — a rarity among free apps.

Wally is free and available on iOS and Android.

Level Money

Level Money has all the usual features in a budgeting app: linking to your bank account, inputting your savings goals, and tracking your known and recurring expenses.

But what sets this tool apart is the ability to show what is important to you from a budget standpoint: like making a dent in your credit card balance or analyzing how your spending changes from month to month.

Another plus is the app’s bill and balance prediction feature, which lets you know how much of your money is already spoken for. It compiles all the data from your linked accounts and gives you an up-to-the-minute limit for your daily, weekly, and monthly spending, which the app calls your “spendable” funds.

Level Money can also create a schedule for long-term goals, such as paying off debt or buying a house. I also love the design, which is clean and aesthetically pleasing — a must when working on something I do not love, like budgeting.

Level Money is free and available on iOS and Android.

You Need a Budget

Want total control of where all of your money goes? Then the DIY budgeting app You Need A Budget is the tool for you, as it gives you the fullest picture of your spending while still being relatively easy to use.

It operates from the premise that you live on last month’s income. That way, you’re not spending based on what you think you will earn, but based on what you actually have. No more living paycheck to paycheck.

Just enter your monthly expenses, link your accounts, and input your income, and — boom! — you have a budget. Then, You Need a Budget assigns each dollar to a purpose, whether it’s paying your electric bill or ordering out for sushi. That way you don’t overspend on one thing (like takeout sushi) and end up short for other things, like your bills.

You Need A Budget offers a free, 34-day trial, and after that, costs $50 per year. It’s available on desktop, Android, iOS, even Alexa. So, you really don’t have an excuse!


GoodBudget is a budgeting app for those just starting out on a budget. (We’ve all been there!)

The app makes use of the age-old envelopes system with a modern-day twist: It has you digitally allocate your funds into different “envelopes” each month to help you categorize — and control — your spending. Simply divide up your monthly budget into each category, such as entertainment, utilities, student loans, credit card payments, eating out, and any other monthly expenses.

GoodBudget also allows you to set up recurring payments for those expenses that regularly appear in your budget. The best part? Through the app, you can sync your household budget with multiple devices so you’re always on the same page with your partner.

GoodBudget is free and available on iOS and Android.


Here’s why I like Unsplurge: It has a unique, community-based section called “town,” where you can see others’ savings goals and their progress. Watching others achieve their savings goals can help you feel more motivated and more capable when it comes to achieving yours.

Another plus of this money-saving app is that it allows you to upload a photo or image of what you are actually saving for, a major motivator. Unsplurge is free and available in iOS.

Pocket Expense

A budgeting tool that’s easy to use, simple to navigate, and color-coded to boot, Pocket Expense first tracks your spending and then creates a visual representation of where your money is going.

What’s more, the app’s calendar tab shows all of your upcoming expenses (color-coded), so you can see a breakdown of how much you’re spending versus how much money you have. You can also set up a budget, and the charts feature shows a breakdown of your spending.

Pocket Expense is free and is available on iOS.


HomeBudget’s home screen is clearly divided into categories: expenses, bills, income, budget, and account, along with the respective dollar amounts in each.

The home screen also displays a chart that tracks your total income, your total balance, and your bills and expenses. You can also configure this chart to include payees, reports, or search, making this app easy to use and customize — which is an especially great feature for freelancers.

This puts all the information you need right there on the home screen — ideal for those who want everything super-simplified.

The slam dunk for this app? The search tab, which helps you find exactly what you need when you need it.

HomeBudget is available on iOS for $4.99 and Android for $5.99.


Who’s Albert? No, we’re not talking about your great uncle, whom you shamelessly avoid at all family gatherings due to his penchant to wax poetic about politics. Albert is the newest app on the fintech block, and we are loving it.

You connect Albert to your accounts, and then the app identifies ways to improve your financial health and makes suggestions you can immediately put into play — like directly from the app.

Suggestions include: pay off your credit card with a low-interest rate loan, get renter’s insurance, or put more money toward your emergency fund. It’s like having your own financial advisor. But cooler. And in the shape of an iPhone.

Albert is free and available on iOS.