The Best Budget Apps in Singapore for 2025

Basic budgeting apps typically allow you to connect your financial accounts, monitor your spending habits, and categorise your expenses to provide a clear overview of where your money is being allocated. 

However, the best budgeting apps available today in Singapore offer a wider array of functionalities, empowering you to not only track past transactions but also to proactively plan your financial future, set realistic goals, and gain deeper insights into your financial behaviour.

Our selection process involved a thorough assessment of app features and user feedback to bring you the top choices for managing your finances in 2025.

Why it's a good choice: Dobin is a Singapore-based budgeting app that leverages advanced data analytics and even AI to provide users with personalised insights and potentially relevant offers and discounts based on their spending patterns.

A key strength for Singaporean users is its ability to seamlessly sync with a wide range of local bank accounts, including DBS/POSB, UOB, OCBC, CIMB, Standard Chartered, and American Express, providing a consolidated view of your balances across different financial institutions in one interface.

Furthermore, Dobin allows you to effectively manage multiple credit cards, track your total expenses, monitor outstanding balances, and stay on top of bill payment due dates, making it a comprehensive personal expense tracker app free to use.

The app also prioritises data security with multiple layers of encryption and adheres to the strict regulatory requirements of Singapore's Personal Data Protection Act (PDPA), ensuring your personal data is protected.

Potential drawbacks to consider: As a newer entrant utilising AI for personalised offers, some users might have reservations about the extent of data analysis involved. While data protection is stated, individuals highly sensitive about sharing their financial data with AI-driven platforms might prefer more traditional budget tracker options.

Price: Free

App Store rating: 4.4

Google Play rating: 3.9

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Why it's a good choice: Planner Bee, another budgeting solution developed in Singapore, offers an all-encompassing platform to monitor and control not just your budget but your entire financial landscape. 

From savings and insurance policies to debts and investment portfolios, everything can be conveniently tracked within the app. Security is a priority, with the platform employing encryption standards comparable to those used by banks to safeguard user privacy. 

Planner Bee lets you set up smart budgets and receive actionable insights designed to improve your financial health. Its extensive network of partnerships with over 40 banks and financial institutions across six Asian countries, including Singapore, facilitates easy digital connection of your accounts for real-time updates on your financial status. 

Being locally created, Planner Bee resonates with Singaporean users looking to support local while effectively managing their finances, and it's available as a completely free expense tracker app.

Potential drawbacks to consider: While its broad integration is a plus, users with very niche or international financial accounts outside of Planner Bee's partner network might find the connectivity less comprehensive.

Price: Free

App Store rating: 3.8 

Google Play rating: 3.4

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Why it's a good choice: Wally is a popular money tracker app renowned for its feature-rich environment, including the ability to seamlessly sync your bank accounts and create customised budgets for automated expense tracking.

Its intuitive and clean interface presents your financial information in easily understandable sections, making it simple to gain insights into your spending habits. The app streamlines the process of recording and tracking expenses with its integrated receipt-scanning feature, which also serves as a handy digital repository for important bills.

For those looking to curb impulse purchases, Wally allows you to create shopping lists to help you adhere to your budget. The basic version of Wally is the best expense tracker app, and it is free to use, providing a solid foundation for managing your finances.

Potential drawbacks to consider: While the free version is robust, some advanced features, such as filtered data exporting and recurring notifications, are locked behind the paid "Wally Gold" subscription. Users requiring these functionalities will need to consider the additional cost. It is also only available on iOS.

Price: Free; Wally Gold (paid version with extra features) subscription available. Pricing varies.

App Store rating: NA

Google Play rating: Not available on Google Play

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Why it's a good choice: Developed by Thai app developers, Spendio offers a simplified yet visually engaging approach to budget tracking, encouraging users to save towards their personal financial goals. 

The app utilises a clear line chart to visualise your expenses over time, resembling a personal 'stock market' report, which can provide a unique perspective on your spending trends. Setting up savings goals is straightforward; you can create specific budgets for them and easily track your progress. 

For those who frequently travel, Spendio offers the convenience of creating separate wallets in various currencies. One notable feature is its compatibility with Apple Watch, allowing for voice-to-text input of financial data, adding a layer of convenience for on-the-go expense management. The core functionalities of Spendio are available as a personal expense tracker app for free.

Potential drawbacks to consider: While its visual appeal and unique features are attractive, Spendio's integration with local Singaporean banks might be less extensive compared to locally developed apps. Users heavily reliant on automatic bank syncing might find the manual input more cumbersome. Currently, it is only available on iOS.

Price: Free

App Store rating: 3.4

Google Play rating: Not available on Google Play

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Why it's a good choice: Spendee is a comprehensive budget-tracking app designed to directly function as a personal money manager on your mobile device. 

By inputting your expenses and assets, the app consolidates this information into easy-to-understand visuals, providing powerful insights into your financial situation at a glance. You can further refine your financial management by setting smart budgets to prevent overspending and encourage saving towards your future objectives. 

While the basic app offers robust expense tracker app features for free, Spendee also provides free trials for planned paid features such as bank account synchronisation and even cryptocurrency wallet linking, catering to a broader range of financial tracking needs.

Potential drawbacks to consider: While the free version is functional, users seeking seamless, automatic updates from their bank accounts will likely need to subscribe to the premium features after the trial period ends, adding to the overall cost.

Price: Free; paid subscriptions with advanced features available after free trial. Pricing varies.

App Store rating: 4.7

Google Play rating: 4.3

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Why it's a good choice: Wallet by BudgetBakers is another feature-rich finance tracking app and budgeting app focused on providing detailed visibility into your daily transactions, which can be particularly beneficial for individuals who want a clear understanding of where their money is going. 

The app boasts a sophisticated 'Cash Flow Trend' chart, offering a quick visual assessment of your financial health and potentially encouraging better spending habits. Other useful features include customisable spending categories and the ability to set budgets for various expense types.

While syncing your bank accounts for automatic updates and accessing more advanced features like multiple account management and in-depth reports require a premium subscription, the free version serves as a capable free expense tracker app for those diligent about manual transaction recording.

Potential drawbacks to consider: Relying solely on the free version necessitates consistent manual input of all financial transactions. Users who prefer the convenience of automatic bank syncing will need to opt for the paid subscription.

Price: Free; premium subscription with advanced features available. Pricing varies.

App Store rating: 4.4

Google Play rating: 4.7

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Why it's a good choice: For individuals who are already DBS or POSB account holders in Singapore, the DBS NAV Planner, integrated within the Digibank mobile application, offers a powerful suite of personal budgeting and financial planning tools that rival dedicated budgeting apps.

Accessible through the 'Plan' tab, NAV Planner allows you to effectively track your money and work towards your future financial goals. It intelligently combines data from your DBS/POSB accounts with any additional assets and expenses you input (such as CPF, property, and investments) to create a comprehensive and accurate overview of your overall financial situation. 

The tool also provides personalised insights into your spending patterns and offers tailored tips and solutions over time. Beyond high-level planning, NAV Planner delivers practical features like automatic monthly expense summaries, categorising your spending for easy analysis. It serves as a convenient and integrated money tracker app for DBS and POSB users.

Potential drawbacks to consider: The primary limitation of DBS NAV Planner is its exclusivity to DBS and POSB account holders. Individuals banking with other institutions in Singapore will not be able to fully utilise its automatic syncing capabilities.

Price: Free

App Store rating: 4.7

Google Play rating: 4.7

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Why it's a good choice: Monny takes a unique and visually appealing approach to personal finance by incorporating a whimsical, scrapbook-inspired art style to gamify your budgeting journey. The app displays your financial data, such as expenses and charts, using creatively designed cards with cartoonish elements, which can help make the often-daunting task of reviewing your finances a bit more engaging and less stressful. 

Monny even features a mascot, a bunny character who presents various money challenges within a cheerfully designed 'theme park'. This Taiwanese-designed financial app stands out for its lighthearted and cute aesthetic, offering a refreshing alternative for those who find traditional expense management apps too serious.

While it might not have the extensive direct integrations with Singaporean banks as some local apps, its focus on user experience and visual appeal makes it a noteworthy expense tracker app.

Potential drawbacks to consider: Users prioritising deep financial data analysis and extensive automatic bank syncing might find Monny's gamified approach less focused on those core functionalities. Its primary appeal lies in its user interface and engagement rather than advanced analytical tools or strong local bank integration.

Price: Free

App Store rating: 4.8

Google Play rating: 4.6

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Why it's a good choice: YNAB (You Need a Budget) distinguishes itself by its proactive, forward-looking approach to budgeting. Unlike many apps that primarily track past spending, YNAB emphasises planning and prioritising your finances by adhering to the zero-based budgeting system, where every dollar you earn is assigned a specific purpose.

As soon as you receive your income, YNAB prompts you to allocate those funds towards various categories, including spending, savings, and debt repayment. This active decision-making process encourages intentionality with your money, fostering greater awareness and control over your financial situation. 

To support users in navigating its unique methodology, YNAB's website offers a wealth of educational resources detailing how to budget and utilise the app effectively. YNAB allows you to link your checking and savings accounts, as well as credit cards and loans, and is accessible across mobile, desktop, iPad, and Apple Watch platforms. For individuals committed to actively managing their finances, YNAB provides a powerful framework.

Potential drawbacks to consider: YNAB requires a significant level of commitment and active participation from the user. Its hands-on approach, while effective for many, might not suit individuals seeking a more passive budget tracker. 

Additionally, YNAB operates on a subscription model, which can be pricier than some of the free budgeting apps available, so cost-conscious users might want to explore other options. However, they do offer a 34-day free trial and the ability to share a subscription with up to five others, potentially reducing the individual cost. University students may also be eligible for a free year of YNAB.

Price: US$14.99 per month or US$109 per year. 34-day free trial available.

App Store rating: 4.7

Google Play rating: 4.3

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Why it's a good choice: Zenmoney applies a philosophy of mindfulness to your financial life, aiming to provide a sense of security and confidence in your financial decision-making. 

Despite its Russian developers, the app offers a clean and uncluttered interface with white backgrounds, designed to promote a calm and clear understanding of your financial status. Colour is strategically used in reports, which feature geometric shapes and graphs for enhanced clarity. 

Zenmoney provides a comprehensive suite of features, from gaining a detailed awareness of your expenses and setting individual budgets to scanning receipts and sharing financial reports, all within a serene and user-friendly environment. It functions as a capable expense management app with both free and paid options.

Potential drawbacks to consider: While its minimalist design is appealing, users who prefer more visually rich or feature-heavy interfaces might find Zenmoney's approach too basic. Some advanced features, such as automatic bank synchronisation and multi-user support, are typically reserved for the premium version.

Price: Free; premium subscription with advanced features available. Pricing varies.

App Store rating: 5

Google Play rating: 3.5

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Budgeting resources from SingSaver 

Looking for more ways to master your personal finances in Singapore? SingSaver offers a range of resources to help you take control of your money and make informed decisions.

Explore our latest blogs on budgeting and expense tracking:

• Budgeting 101: Understanding needs vs. wants: Learn to differentiate between essential expenses and discretionary spending to prioritise your financial resources effectively.

• A Singaporean’s guide to stop overspending: Discover practical strategies and mindful spending techniques tailored for Singaporeans to curb unnecessary expenses and boost savings.

• A step-by-step guide to financial planning in Singapore: Navigate the essential stages of financial planning, from setting goals to managing investments, specifically for the Singaporean context.

• How to build an emergency fund on a tight budget: Get actionable tips and creative solutions for Singaporeans to establish a crucial financial safety net even with limited funds.

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