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The Best Expense Tracker Apps That You Should Have This 2024

Lady is calculating money

A lot of people are having issues in managing their monthly budget. After all, it is easy to lose track of the money that you can afford to spend especially if you are not keeping track of your expenses. Tracking all of your expenditures can be very meticulous and time-consuming, especially if you don’t have a lot of time to spare. Luckily, there is a solution to your budget planning problems without hiring a professional budget planner (which will also cost money on your part). There are applications designed for mobile devices that will help you in keeping track of your expenses.

In this article, we will list out some of the best mobile applications that you can start using this 2022 to manage your budget better.

Without further ado, let’s start:

1. Mint

Mint has set the bar for the budgeting applications on smartphones, and with proper reason. This cost management application will automatically sync with the accounts on your mobile device, which will provide automatic tracking of your expenses. Without requiring input from the user, Mint will automatically update and group your expenses by their category, allowing you to see a real-time visualization of your expenses. 

Mint also allows users to put in their particular groups, keep tabs on bills, break up purchases and set up an alarm that will go off whenever the total expenditure has nearly reached its limit. The app also offers credit ratings and credit history tracking free of charge. The best part about this application is that it is free to download, which means that you will not have to add another item to your expenses for an app supposed to help you trim down your spending.


If you are always finding yourself in situations where you are struggling to survive on your income for the last month, YNAB will do you wonders. YNAB is structured on the zero-based budgeting. If you are not acquainted with that term, be sure to familiarize yourself first before spending money on this application.

Even though YNAB is a paid application, there are many features that will help you greatly in managing your money in zero-based budgeting style. You can hook up your bank accounts, create goals, put money automatically on your savings account and personalize spending classes. You can even gain access to resources, such as advice for budgeting, user guide for the YNAB application, and budgeting training courses.

YNAB will cost you $11.99 per month, or $84 per year. There is a free 34 days trial though so you can decide at that time period if this application suits you or not. Additionally, students will be provided with free access to the application for a year, provided that they submit the required proof of enrollment first.

3. EveryDollar

Every Dollar

EveryDollar is a budget planning app that boasts its ability to provide users with a budget within just 10 minutes. It is a cost management application available for Android and iOS devices that assists people in keeping tabs on their expenditures. Similar to the app featured above, EveryDollar is designed for zero-based budgeting which provides a nice alternative to YNAB. EveryDollar is free if you are satisfied with the basic features. If you want full access to the full range of functions, you will have to pay $129.99 per year for the plus version.

The basic features include automatic transaction creation every time you made an expense. If you want more advanced features like connecting to your bank account, you will need to pay for the plus version.

4. Personal Capital

Personal Capital Apps

Personal Capital is mainly an app for managing your investments. However, it still has features that assist users when it comes to budget spending. As such, this app is handy for people who are also managing investments in addition to managing their budgets.

Personal Capital can be downloaded for free, with a few budget management features such as connecting to bank accounts, monitoring expenses, linking to credit card accounts. You will also be able to check your mortgages, loans such as personal loans, and other bill payments.

The software offers an expenditure overview by indexing new financial transactions by group. It is possible to personalize those groups and find out the proportion of each group with your total budget for the month. Personal Capital also works as an assets and portfolio monitoring platform.

5. Clarity Money

Clarity Money is an application lauded for its ability to track and manage your expenses and monthly subscriptions that are eating through your budget. Clarity Money is an extensive cost management and savings application. It provides you with the ability to hook up your financial accounts from a large number of organizations, providing you with a venue to organize all of your accounts in a single place. Similar to every other application featured on this list, you will be able to manage expenditures, keep tabs on your expenses and categorize the expenses into different groups, whether pre-determined by the app or personalized.

Additionally, there are other useful features such as the ability to monitor and cancel monthly subscriptions from various services that you signed up for in the past. There is also the ability to monitor your own credit score, allowing to see the impact of your budgeting in a much clearer picture.

Did you exceed out on the personal budget set on your budget planner again and need some extra cash? Get a loan now from 356 Credit, licensed money lender! Providing personal loans, payday loans, business loans, and foreigner loans, 356 Credit has all the loan types that you will ever need. They also feature fast loan approval and online applications, just to name a few.

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