Budget Tracking Apps on Android

We explored some of the Android apps available on the Play Store that can help with managing budgets and tracking expenses.

The list below is not ranked in any particular order.

In today’s world, mobile apps have made it simple to monitor spending, set financial goals, and stay on top of daily expenses. A reliable budget tracking app on your phone can greatly improve money management and overall financial discipline.

We reviewed a selection of free budget tracking apps from the Play Store and compiled them in the list below.

I. Wallet: Budget Expense Tracker (by BudgetBakers)

Wallet by BudgetBakers positions itself as a comprehensive personal finance app designed to help users manage, plan, and track their money with ease. Unlike basic expense trackers, it offers automated bank syncing, goal-based budgeting, and insightful reports to provide a complete picture of your financial health. It is a free app with in app purchases. Some advanced tools (like automatic bank sync, detailed reports, or stock tracking) may be limited to the paid version.

Key Features

1. Automatic Bank Syncing

- One of the strongest features is the ability to automatically connect with 3,500+ banks worldwide.

- Transactions are categorized instantly, saving time compared to manual entry.

2. Flexible Budgeting & Goal Planning

- Supports budgets for different needs—holiday savings, debt repayment, big purchases, or long-term planning (retirement, education, etc.).

- Adapts to changing financial situations, making it practical for real-world use.

3. Comprehensive Financial Overview

- Insightful graphs and reports simplify understanding income, expenses, and spending habits.

- Multi-currency and multi-account support ensures a unified view, even for frequent travelers or those with multiple bank accounts.

4. Stock & Asset Tracking

- Goes beyond basic budgeting by allowing stock, ETF, and fund tracking.

- Provides a holistic financial picture, blending savings, investments, and daily expenses.

5. Collaboration Features

- Option to share selected accounts with family or colleagues, enabling joint financial management.

- Useful for families managing household expenses or partners saving toward a shared goal.

6. Extra Perks

- Loyalty & reward card storage reduces wallet clutter.

- Cloud sync across devices, PIN protection, receipts/warranties storage, and exports (CSV/XLS/PDF) make it feature-rich.

Some helpful comments from play store:

1. such a helpful app for me as a bachelor. but the loan and debt entry is a bit complicated for me .

2. Undoubtedly Wallet is an amazing money management app. It has numerous features and that is enough for a user. but if you please allow us to add new categories and subcategories, it would be super beneficial for us. One important feature that I suppose should be added. With that feature a user will be able to save his current data in his chosen cloud drive with some database created at random time. Thanks for your amazing app.

II. MyMoney—Track Expense & Budget (by Ananta Raha)

MyMoney positions itself as a simple, offline-first personal finance and budgeting app focused on helping users track daily expenses, control spending habits, and improve savings without relying on internet connectivity. Unlike many modern finance apps that depend on bank syncing and cloud services, MyMoney emphasizes manual expense tracking, privacy, and ease of use. It is free to use, with an optional MyMoney Pro version that unlocks additional features.

Key Features

1. Expense Manager

• Allows users to manually track income and expenses across customizable categories such as Food, Cars, Clothing, and more.

• Unlimited category creation makes it flexible for different spending styles.

• Ideal for users who prefer hands-on control over their expense records.

2. Budget Planner

• Enables monthly budget planning to help users stay within spending limits.

• Category-wise budgets (for example, coffee or dining) encourage mindful spending and better financial discipline.

• Simple alerts and tracking make it practical for everyday use.

3. Effective Analysis & Insights

• Provides clean, easy-to-read charts for monthly income and expense analysis.

• Expense books and summaries help users identify spending patterns over time.

• Focuses on clarity rather than overwhelming users with complex financial data.

4. Simple & Easy Interface

• Minimalistic design makes the app beginner-friendly and quick to learn.

• Adding an expense takes only a few taps, making it suitable for daily use.

• Designed for consistency—users see better results the longer they use it.

5. Quick Homescreen Widget

• A smart widget lets users view balances and add expenses directly from the home screen.

• Useful for fast logging without opening the full app.

6. Fully Offline Usage

• Works completely offline, with no mandatory internet connection.

• Appeals to privacy-conscious users who prefer keeping financial data local to their device.

7. Multiple Accounts Support

• Separate accounts for wallet, cards, savings, and more.

• No limit on the number of accounts, making it useful for users managing multiple payment methods.

8. Personalization Options

• Customize currency symbols, decimal formats, category icons, and account titles.

• Enhances usability across different countries and personal preferences.

9. Safe & Secure Data Handling

• Supports local backups and restores to protect user data.

• Export options allow users to print or archive expense records when needed.

Some helpful comments from play store:

- The app is really good—simple, user-friendly, and the best part is that it stores data locally on the phone instead of the cloud, without asking for a phone number or any personal information. One feature that could make it even better is the ability to add monthly fixed expenses. For example, if I have regular payments like mobile recharge, Wi-Fi bills, or insurance, they should automatically be added every month from a “fixed expenses” list instead of entering them manually each time.

- The app is good to track overall expenses with multiple accounts as an option which makes it easier to use. Although there are certain things that need to be added as a user perspective: 1. There should be an expense option from multiple accounts. Currently you can select only one account for expenses. 2. To have an option to check the expense type for a particular period. Currently, all expenses can be viewed but if I need a certain expense type or account type, there is no option available.

III. Money Tracker-Expense & Budget (by Horoscope365)

Money Tracker positions itself as a free, all-in-one expense tracking and budgeting app aimed at simplifying personal and business finance management. Designed with a strong focus on usability and automation, it goes beyond basic expense logging by combining budgeting, asset management, reporting, and bill tracking in a single platform. With cloud sync and advanced accounting principles under the hood, it caters to both everyday users and those who want a more structured financial overview.

Key Features

1. Intuitive Accounting & Ease of Use

• Built to be beginner-friendly while still powerful enough for advanced users.

• Clean workflows make recording income, expenses, and transfers quick and intuitive.

• Suitable for both personal and small business finance tracking.

2. Double-Entry Bookkeeping System

• Uses proper accounting logic where income is deposited and expenses are deducted from accounts automatically.

• Improves accuracy and provides a clearer picture of balances and cash flow.

• Ideal for users who want more reliable financial records than simple expense lists.

3. Expense Organization & Smart Analysis

• Automatically organizes transactions into categories.

• Visualizes data using infographics, graphs, and insightful reports.

• Daily, weekly, and monthly views help users understand spending trends at a glance.

4. Budgeting & Spending Optimization

• Create category-wise budgets and monitor expenses against them in real time.

• Graph-based budget tracking makes overspending easy to spot.

• Progress notifications help users stay within limits and maintain positive cash flow.

5. Scheduled Payments & Bill Tracking

• Built-in bill organizer ensures no due date is missed.

• Shows upcoming payments and their impact on cash flow.

• Particularly useful for recurring expenses and standing orders.

6. Unified View of Finances

• Manage multiple accounts in one place, including bank accounts, wallets, and even crypto holdings.

• Supports transfers, direct debits, and recurring transactions.

• Multi-currency support makes it suitable for travelers and international users.

7. Advanced Tools & Extras

• Credit and debit card management, debt tracking, and shared finances for partners or flatmates.

• Receipt and warranty storage, shopping lists, geo-mapped transactions, and hashtagging for better organization.

• Export reports in CSV, XLS, or PDF formats for record-keeping or analysis.

8. Security & Cloud Sync

• Automatic cloud sync keeps data safe and accessible across devices.

• PIN protection and secure data handling ensure privacy and confidentiality.

Some helpful comments from play store:

- This is one of the best and 'easy to use' app to manage all your financial expense+income in playstore. I Thank the developers gratefully for creating this app. Icon could have been better.

- Good app. Missing is Annual Budget plan. If the Annual option is provided in addition or replacing Monthly budget option then the app will help recording and monitoring projects spread over few months

IV. Budget planner—Expense tracker (by Battery Stats Saver)

Budget Planner – Expense Tracker positions itself as a free, easy-to-use, on-the-go financial management app designed for users who want clear visibility into their spending without dealing with overly complex tools. Focused on day-to-day expense tracking and monthly budgeting, the app combines planning, calculation, and reporting features to help users reduce financial stress and stay in control of their money.

Key Features

1. Monthly Budget Planner & Daily Expense Tracker

• Helps users plan monthly budgets while tracking daily expenses in one place.

• Designed for quick expense entry, making it suitable for regular, everyday use.

• Ideal for users who want a simple yet structured approach to budgeting.

2. Financial Planner Calculator

• Built-in calculator assists with quick financial planning and estimations.

• Useful for tracking totals, comparing expenses, and managing budgets efficiently.

• Enhances accuracy without needing external tools.

3. Budget Tracker with Receipt Scanner

• Allows users to scan, save, and organize receipts directly in the app.

• Ensures expenses are properly documented and easy to reference later.

• Particularly helpful for users who want digital records of purchases.

4. Powerful Dashboard & Spending Tracker Pro

• Centralized dashboard shows cash flow, income, and expenses at a glance.

• Visual charts, including bar graphs, make spending patterns easy to understand.

• The app helps users quickly identify where money is being spent.

5. Automatic Draft Payment Tracking

• Supports tracking of automatic and recurring payments.

• Helps users avoid missed payments by accounting for scheduled expenses in advance.

• Improves overall budget accuracy and financial planning.

6. Budget Forecasting

• Six-month budget forecast based on historical spending data.

• Enables users to plan ahead and anticipate upcoming expenses.

• Useful for medium-term financial planning and goal setting.

7. Export & Sharing Options

• Export expense and budget reports in CSV, PDF, or Excel formats.

• Makes it easy to share financial data or keep offline records.

• Suitable for personal use, family sharing, or basic financial reviews.

Some helpful comments from play store:

- i like it, it is like mind mapping your financial affairs. Being prone to spending when in a good mood, creating clear boundaries and paths of attack for my money really helps keep discipline.

- this app is really easy to use, especially with all the categories and everything you need all in here. Super helpful and client friendly, definitely recommend this app