Expense tracker apps: an honest comparison
A good expense tracker lets you record in seconds, groups by category and shows where the money went each month. Monefy and Money Manager are simple and fast; Wallet and Spendee add budgets and accounts; YNAB is a complete, paid method; Busimy adds shared expenses and several currencies.

The comparison
| App | Price | Best at | Missing |
|---|---|---|---|
| Monefy | Free with a paid tier | One-tap entry | Little detail, nothing shared |
| Money Manager | Free with a paid tier | Accounts, cards and reports | Not built for sharing |
| Wallet (BudgetBakers) | Free with a paid tier | Budgets and bank sync in some countries | The best parts are paid |
| Spendee | Free with a paid tier | Shared wallets | Several features are paid |
| YNAB | Paid, with a free trial | A complete budgeting method | Takes time to learn |
| Busimy | Free with ads; optional Plus | Personal and shared spending, several currencies, AI entry | No automatic bank sync |
Which one fits you
- You want to start now: a simple one like Monefy.
- You want strict budgets and like a method: YNAB.
- You live with someone and share costs: Busimy or Spendee.
- You earn or save in more than one currency: Busimy.
What matters most: that you keep using it
The best app is the one you still open in month three. So how fast you can record (voice, a photo of the receipt, imports) matters more than how many charts it has.
Frequently asked questions
- Are there apps that read my bank transactions?
- Some connect to banks in certain countries. Busimy reads card statements and screenshots with AI.
- Is it safe to put my spending in an app?
- Check that it uses HTTPS, doesn't sell your data and lets you delete your account. Busimy does all three.