Best Apps to Track Expenses | Credential Index

7 Best Personal Expense Tracker Apps of 2026

We reviewed some of the most highly rated apps for Apple and Android to help you decide which expense tracker is right for you.

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Edited by other Updated Jan 12, 2026 We compared some of the most popular expense tracker apps for iPhone and Android, including free and paid options, to help you collect and classify your purchases so that you recognize spending patterns. You might track expenses for a while just to check where your money’s going, or it might be a stepping stone toward making and following a budget.

How do expense trackers work?

The goal is some form of categorization of money spent. Apps can do that. However, the experience varies widely. You'll probably need to test-drive a few expense tracker apps before you find one you like. While our list focuses mostly on free apps, you may have to upgrade at a small cost to get all the features you want. Upgradeable features might include: Easy transaction download. Automatic logging of recurring transactions. A forecast of your ending balances at some point in time (cash flow). Auto-categorization of transactions, especially taxable items. And one real luxury on the wish list: the ability to scan receipts. How we selected the apps on our list Here are top apps based on user ratings in the App Store and on Google Play. Those platforms vary widely on search volume for “expense trackers.” Because of that, an iOS app needed 35,000 or more reviews and a rating of 4 or better to make our list. On Google Play, an Android app needed 100,000 or more reviews with a rating of 4.5 or greater. We omitted apps that focused mostly on tracking business expenses.

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Best iOS and Android personal expense tracker apps

EveryDollar

This app helps you deploy a zero-based budget plan by helping you account for each dollar spent. Users appreciate the spending and saving approach of EveryDollar, but some reviewers have complaints about the app’s user interface and expense-tracking capability. Cost: The basic version of the app is free. The premium version is $17.99 a month, or $79.99 a year. New users are offered a 14-day free trial. Cost: App Store rating: 4.7 stars App Store rating: Google Play rating: 4.3 stars Google Play rating: » We tried this app. See our EveryDollar review » We tried this app. » We tried this app.

YNAB

YNAB is pricey, but reviews gush that it's "life-changing" and "excellent." You can share one subscription with your partner, family or friends. And you can use the app to set and track your goals, and calculate some of your debt with the loan planner tool. Cost: After a free 34-day trial, you can purchase the annual plan for $109 a year or pay $14.99 a month. Cost: App Store rating: 4.8 stars App Store rating: Google Play rating: 4.5 stars Google Play rating: » We tried this app. See our YNAB review » We tried this app. » We tried this app.

Expensify

Combining personal and business expense tracking capabilities lures many users to this app — as does the convenience of scanning receipts. It’s important to note that categories are limited in the free version of the app. There are also two paid versions of the app, aimed at small and large businesses. Cost: Free to custom pricing, depending on the plan. Cost: App Store rating: 4.6 stars App Store rating: Google Play rating: 4.3 stars Google Play rating:

Rocket Money

This app has an interesting wrinkle: It not only helps you track your expenses, but promises to find and cancel unused subscriptions that are tied to your financial accounts. Rocket Money also says it can lower some charges on recurring bills. There is a free version of the app and a paid premium version. Some features, including bill negotiation services, require an additional fee. Cost: Free. The premium version has a sliding scale from $6 to $12 a month. Cost: App Store rating: 4.5 stars App Store rating Google Play rating: 4.6 stars Google Play rating:

Monarch

Geared toward couples, this app also has a desktop version to help facilitate a shared view of finances. By syncing all accounts into a single dashboard users can track, budget, plan and collaborate. Monarch also has a professional version for financial advisors, tax professionals and attorneys to track real-time client data. Cost: If paid monthly, the fee is $14.99 per month. Paying annually drops the monthly price to $8.33. New users get 50% off their first year. Monarch for Professionals is free to sign up and $14.99 per month for each client. Cost: App Store rating: 4.9 stars App Store rating: Google Play rating: 4.7 stars Google Play rating: » We tried this app. See our Monarch review. » We tried this app.

AndroMoney

AndroMoney has been described as a versatile app that can help track daily expenses, manage budgets, and manage multiple accounts. Some special features AndroMoney offers include alerts when you’ve exceeded your budget and real-time expense reports. Overall, AndroMoney earns a high user rating, though developer responses to suggestions and complaints are few and far between. There is also an ad-free version of the app. Cost: Free. The premium version costs $3.99. Cost: App Store rating: 4.5 stars App Store rating: Google Play rating: 4.5 stars Google Play rating:

Best Android-only personal expense tracker app

Money Manager & Expenses

Money Manager made our list of expense tracker apps for its high rating, clean display and personalization options. App developers seem quick to respond to user questions and suggestions. Many reviews are very favorable, and note that the number of ads shown (the tradeoff for a free app) is not overly irritating. Cost: Free Cost: Google Play rating: 4.9 stars Google Play rating:

Best expense tracker app according to Redditors

We sifted through Reddit forums to get a pulse check on how users feel about expense tracker apps. We used an AI tool to help analyze the feedback. People post anonymously, so we cannot confirm their individual experiences or circumstances. We sifted through Reddit forums to get a pulse check on how users feel about expense tracker apps. We used an AI tool to help analyze the feedback. People post anonymously, so we cannot confirm their individual experiences or circumstances. While other apps were mentioned, YNAB was the clear favorite among Redditors, specifically for credit card expense tracking. It was consistently mentioned as the “gold standard.” One user simply stated: "YNAB. The way it handles credit cards is brilliant." Some users mentioned YNAB's pricing as a potential drawback. Some users also noted there can be a learning curve to using it effectively. The second most positively mentioned app appears to be Monarch, with multiple users saying they "really like it" and that it's "super easy to use."

If you're ready to start a budget

Once you get a handle on where your money is going, you may want to take even more control of your efforts to build your net worth. That is likely to lead to exploring the budgeting process. NerdWallet has compiled the best budget apps for your consideration. NerdWallet also offers a free app that lets you track your wealth and see your credit score. We chose not to include ourselves in the list above in order to present an unbiased view. We also provide non-app options: NerdWallet's free budget template. Other online budget spreadsheets. The 50/30/20 budget calculator.

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Explore more on About the authors CFP® Hal M. Bundrick is a former NerdWallet personal finance writer. He is a certified financial planner and former financial consultant and senior investment specialist for Wall Street firms. Hal advised families, business owners, nonprofits and trusts, and managed group employee retirement plans. Published in Curtis Tiffany Lashai Curtis is a former lead writer for the Core Personal Finance team at NerdWallet. She was previously the health writer for Livestrong.com and a freelance writer for publications like Refinery29, Business Insider and MTV News, where she focused on issues that affect marginalized communities. As a wellness facilitator, she has led conversations for organizations like Planned Parenthood and Harvard University. She is based in Philadelphia. Mulka Lisa Mulka is a freelance writer specializing in personal finance content. With more than 15 years of writing experience, Lisa most recently authored a book on personal financial literacy and served as lead writer on the FDIC’s Money Smart for Young People program. She holds a bachelor’s in creative writing, and master’s degrees in written communication and in educational technology. Lisa lives with her husband and two children in Michigan, where she spends her free time teaching the next generation of writers at Johns Hopkins University Center for Talented Youth. 8 Ways to Track Monthly Expenses By Courtney Neidel How Much to Tip Just About Everyone By Laura McMullen Average Monthly Expenses by Category By Hal M. Bundrick, CFP®, Lisa Mulka