Comparison

The best expense tracker apps for Android in 2026

Thirteen expense trackers for Android, compared on what matters before you install one: what's free, whether it links to your bank, ads, budgets, savings goals and currencies.

By Norvane Studio, maker of Coinly · Updated 10 October 2026 · 18 min read

I make Coinly, one of the apps on this list, and I've put it first. Every other app is described from its own Google Play listing and its recent reviews, including what it does better than Coinly. Ratings, installs and prices are Google Play's from 6 June 2026, and they change often.

Quick picks

The best expense tracker for what you need

Start from what matters most to you. Each pick links to its full entry below.

Best for	App	Why
Private tracking with no bank login	Coinly	No account and no ads; 153 currencies, budgets, savings goals and debts, with your records on your phone.
Automatic bank sync in many countries	Wallet	Lists worldwide bank coverage, multicurrency accounts and shared accounts; bank sync comes with Premium.
A classic, double-entry money manager	Money Manager	Over 10 million installs since 2013; free with ads, and a paid version removes them.
A free, customisable tracker without ads	Cashew	No ads, budgets on any time frame, currencies with conversion rates, Google Drive backups.
The simplest offline tracker	MyMoney	Needs no internet connection, by its listing, with no ads and no in-app purchases.
Logging a purchase in one tap	Monefy	Type the amount, tap a category, done; sync through your own Google Drive or Dropbox.
Detailed reports and family sharing	Bluecoins	QIF and CSV import, PDF, Excel or HTML reports, and sharing through Google Drive or Dropbox.
Shared wallets with bank, PayPal or crypto sync	Spendee	Shared finances with a partner or roommates, and a web version.
Couples who want every account in one place	Monarch	A partner joins at no extra cost; paid after a 7-day trial.
Finding and cancelling subscriptions	Rocket Money	Finds subscriptions in your linked accounts and cancels them in the app.
A safe-to-spend number (U.S. and Canada)	PocketGuard	Shows what's left after bills, goals and essentials, with a spending pace.
Zero-based, every-dollar budgeting	EveryDollar	Ramsey Solutions' method: give every dollar a job, by hand for free.
Splitting costs with friends	Splitwise	Flexible splits in more than 100 currencies, on Android, iOS and the web.

Method

How I compared them

I started from the 60 most visible expense-tracking apps on Google Play in the U.S. store and kept the ones built for personal money. Business tools such as Expensify or SAP Concur, which turn receipts into expense reports for an employer, do a different job.

For each app I read its full Google Play listing, its price and in-app purchase range, and up to 200 of its most recent reviews, all as they stood on 6 June 2026. A feature counts only if the developer's own listing states it. Where a developer's reply or several reviewers add something, such as which features are paid, the entry says so.

I haven't used every app here for months, so the pros and cons report what the listings and recent reviewers say rather than a lab test. Prices vary by country and change often: check the store before you pay. Coinly's entry describes the app as it works today, including what it lacks.

The apps

The 13 best expense tracker apps for Android

In the order of the quick picks: private and manual first, then bank-linked, then the specialists.

Coinly
Best for private tracking with no bank login

Made by
The author of this page
Price
Free; optional coins
Ads
None
Bank sync
No, by design

Coinly is the app I make, so it's here first, and its entry sticks to what the app does today. It's a manual expense tracker and budget planner: you add a transaction in a few taps, or photograph a receipt, say or type what you spent and check the draft before it's saved. Your records stay on your phone. There's no account to create and nothing connects to your bank.
Each account keeps its own currency, chosen from 153, and totals convert at the rate you set or one the app keeps up to date. Budgets run per category, weekly, monthly or yearly, with an alert when you reach a share of the limit that you choose. There are savings goals with a monthly auto-save, debts you owe or are owed with due-date reminders, recurring transactions, labels for trips and projects, a spending calendar and home-screen widgets. Everyday tracking works offline.
Moving from another app is free: Coinly reads a CSV or Excel export and shows you the result before anything is added. You can export to CSV, Excel or PDF, and back up to your own Google Drive, encrypted with your passphrase by default. Receipt, voice and text capture are read by Coinly's service, so they need a connection, and they use coins: new installs get some free.
Good at
- No ads, no account and no bank connection
- 153 currencies, one per account, with automatic or manual rates
- Budgets, savings goals and debts in one app
- Free import from other apps; export to CSV, Excel and PDF
- Available in 29 languages
Watch out for
- No bank sync: every transaction is entered, captured or imported by you
- Android only, with no web or iPhone version
- No shared household budgets and no live sync between devices; a backup moves your data
- Receipt and voice capture use coins once the free ones run out
- A young app, with far fewer reviews than the others here
Wallet: Budget Expense Tracker
Best for automatic bank sync in many countries

Rating
4.61 · 379k ratings
Price
Free; Premium
Ads
None listed
Bank sync
Yes, with Premium

Wallet by BudgetBakers has been on Google Play since 2011 and has more than 10 million installs. Its listing promises what manual apps can't: connect your bank accounts and transactions arrive on their own, categorised, with worldwide bank coverage and up to three months of history. It also lists multicurrency accounts, budgets with predictive alerts, planned payments for bills, accounts you can share with family or colleagues, and cloud sync across your devices.
Bank sync is a Premium feature, as the developer confirms in replies to reviews. Reviewers like the interface and the depth of the free version. The most common complaint, in about one recent review in ten, is a bank that isn't supported or keeps disconnecting, so check yours before you pay.
Good at
- Automatic, categorised bank import
- Multicurrency accounts for travellers and expats
- Shared accounts and cloud sync across devices
- Planned payments for bills and subscriptions
Watch out for
- Bank sync needs Premium
- Some banks fail to connect or keep dropping, reviewers report
- An email login is required, the developer says
See it on Google Play (Wallet: Budget Expense Tracker)
Money Manager Expense & Budget
Best for a classic, double-entry money manager

Rating
4.63 · 456k ratings
Price
Free; paid version
Ads
Yes, in the free version
Bank sync
No

Realbyte's Money Manager is one of the oldest and most installed apps here, with more than 10 million installs since 2013. It uses double-entry bookkeeping, so transfers between accounts and credit-card balances add up, and a card's settlement date shows what's due. Recurring entries handle salary, insurance and loans, budgets show spending against the plan on a graph, backups go to an Excel file, and a passcode locks the app. The paid version also lets you edit your data from a PC over Wi-Fi.
The free version shows ads and limits you to 15 assets; the paid version removes both. Reviewers praise its clean interface, many after years of use. Their complaints are the ads, no sync between devices, and lost data for people who hadn't made a backup.
Good at
- Double-entry accounts and credit-card settlement tracking
- Recurring transactions and budgets
- Edit your data on a PC over Wi-Fi (paid)
- Over a decade of updates from the same developer
Watch out for
- Ads and a 15-asset limit in the free version
- No savings goals yet, the developer says
- No sync across devices, reviewers report
See it on Google Play (Money Manager Expense & Budget)
Cashew
Best free, customisable tracker without ads

Rating
4.63 · 25k ratings
Price
Free; optional Pro
Ads
None
Bank sync
No

Cashew is the youngest of the well-known apps here, released in 2023, with more than 500,000 installs, and the one its reviewers are most enthusiastic about: 176 of its 200 most recent reviews give five stars, most of them for a design that is customisable and still easy. Its listing covers budgets on monthly, weekly or custom periods, multiple currencies with current conversion rates, subscription and recurring-transaction tracking with reminders, and Google Drive backups.
Reviewers say most features are free, with a Pro upgrade for the rest. There's no bank connection, so every entry is yours to make. The recent complaints are some lag after a redesign and a few sync or restore problems.
Good at
- No ads, and reviewers call the free tier generous
- Budgets on any time frame
- Multiple currencies with conversion rates
- Recurring transactions and subscription reminders
Watch out for
- No bank sync
- Slower after the 2026 redesign, some reviewers say
- A few reports of data lost in sync or restore
See it on Google Play (Cashew)
MyMoney: Track Expense & Budget
Best for the simplest offline tracker

Rating
4.80 · 64k ratings
Price
Free; separate Pro app
Ads
None
Bank sync
No

MyMoney does less, on purpose. Its listing says it needs no internet connection, using one only to send crash reports, and it has no ads and no in-app purchases; a separate Pro app adds more. You get unlimited accounts, custom categories, a monthly budget, charts of income, expenses and cash flow, local backups you can restore, printable worksheets, and a home-screen widget for adding records.
Its 4.8 rating comes from people who wanted exactly that: no bank connection and no login. The requests in its recent reviews show what's missing, chiefly cloud backup, recurring transactions, and money lent and borrowed.
Good at
- No internet needed, by its own listing
- No ads and no in-app purchases
- Unlimited accounts and a home-screen widget
- Local backups you can restore
Watch out for
- No cloud backup
- No recurring transactions, reviewers say
- No debts, savings goals or multiple currencies listed
See it on Google Play (MyMoney: Track Expense & Budget)
Monefy
Best for logging a purchase in one tap

Rating
3.96 · 194k ratings
Price
Free; subscription
Ads
None
Bank sync
No

Monefy's idea is speed: you type the amount, tap a category, and that's the whole entry. It has more than 10 million installs since 2014, a built-in calculator, multiple accounts and currencies, a monthly budget, recurring payments, widgets, a passcode, and sync through your own Google Drive or Dropbox, which also lets a partner share the budget.
It has the lowest rating of the large apps here, and its recent reviews explain why. The most common complaint is the subscription: reviewers report features they expected to be free, such as repeating entries, behind it, and older one-time Pro purchases no longer covering everything. Sync problems and slow support come next.
Good at
- The fastest entry of any app here
- Sync through your own Google Drive or Dropbox
- No ads
- Widgets and a passcode
Watch out for
- Key features need a subscription, reviewers report
- Dropbox sync stopped working for a few reviewers
- The lowest rating of the large apps here
See it on Google Play (Monefy)
Bluecoins Finance & Budget
Best for detailed reports and family sharing

Rating
4.35 · 41k ratings
Price
Free; Premium
Ads
Yes, in the free version
Bank sync
Via SMS and notifications

Bluecoins is the power user's choice. Its listing covers multiple currencies and cryptocurrencies, budgets by week, month, quarter or year, bill reminders and projections, reconciling accounts with your bank records, tracking from bank notifications or SMS, QIF and CSV import, reports in PDF, Excel or HTML, a password or fingerprint lock, and sync through Google Drive or Dropbox so family members can add expenses on their own phones.
The free version has ads, and a Premium tier is sold, at times as a lifetime licence. My data had no recent reviews for this app, so I can't tell you what its users currently complain about.
Good at
- QIF and CSV import; PDF, Excel and HTML reports
- Family sharing through Google Drive or Dropbox
- Multiple currencies and cryptocurrencies
- Net worth and cash-flow analysis
Watch out for
- Ads in the free version
- No direct bank connection: it reads bank SMS and notifications instead
- No recent reviews in my data to check it against
See it on Google Play (Bluecoins Finance & Budget)
Spendee
Best for shared wallets with bank, PayPal or crypto sync

Rating
4.32 · 63k ratings
Price
Free; Plus or Premium
Ads
Reported in reviews
Bank sync
Yes, paid

Spendee has been on Google Play since 2013. Its listing covers syncing bank accounts, PayPal and Coinbase, separate wallets for trips or side projects, shared finances with a partner or roommates, multiple currencies, labels, budgets, a new AI receipt scanner, and a web version for your desktop.
Its developer says the free plan includes one wallet and one budget, with more, and bank sync, in the paid plans. Recent reviews are mixed: an update in April 2026 brought a wave of bug reports, bank sync is limited or missing in several countries, India among them, and three reviewers mention full-screen ads.
Good at
- Bank, PayPal and Coinbase sync
- Wallets shared with others
- AI receipt scanner
- A web version
Watch out for
- The free plan has one wallet and one budget, the developer says
- Bank sync costs extra and doesn't cover every country
- Bug reports after recent updates
See it on Google Play (Spendee)
Monarch
Best for couples who want every account in one place

Rating
4.75 · 22k ratings
Price
Paid after a 7-day trial
Ads
None
Bank sync
Yes

Monarch is a paid, all-in-one view of your money. Connect your accounts and it shows budgets, flexible or by category, goals with monthly contributions, bills and subscriptions on a calendar, investment performance and net worth. A partner or other household member joins at no extra cost, and you can invite an adviser. Its listing says the service is read-only and never stores your bank credentials.
There's no free tier beyond the seven-day trial, and the listing gives neither the price nor the countries whose banks it supports, so check both before you start. My data had no recent reviews for it.
Good at
- Partner or household members included
- Flexible or category budgets, goals and net worth
- Bills and subscriptions on a calendar
- No ads
Watch out for
- Paid after the 7-day trial
- Bank coverage by country isn't listed
- No recent reviews in my data
See it on Google Play (Monarch)
Rocket Money
Best for finding and cancelling subscriptions

Rating
4.54 · 133k ratings
Price
Free; Premium
Ads
None
Bank sync
Yes

Rocket Money starts from your linked accounts and looks for money leaks. It finds your subscriptions and cancels the ones you pick in a few taps, and a concierge service offers to negotiate some bills for you. Around that sit monthly budgets with alerts, automatic savings toward a goal, net worth and credit-score monitoring.
Free features get you started, and reviewers describe a Premium subscription for more. In its recent reviews, people value seeing every account in one place and cancelling forgotten subscriptions. The complaints are duplicated or miscategorised transactions, banks disconnecting, and trouble cancelling Rocket Money's own subscription.
Good at
- Finds subscriptions and cancels them in the app
- A bill negotiation service
- Budgets, savings goals, net worth and credit score
- No ads
Watch out for
- Duplicated or wrong transactions, some reviewers report
- Bank connections drop for some reviewers
- Complaints about cancelling its own Premium
See it on Google Play (Rocket Money)
PocketGuard
Best for a safe-to-spend number (U.S. and Canada)

Rating
4.40 · 2.8k ratings
Price
$12.99 a month or $74.99 a year
Ads
None
Bank sync
U.S. and Canada

PocketGuard answers one question well: how much can I safely spend? After bills, goals and essentials, it shows a safe-to-spend amount and whether your spending pace is on, under or over. Connected accounts feed bill and subscription detection, cancellation, bill negotiation, savings goals and a debt payoff plan with a timeline.
By its own listing it connects only to U.S. and Canadian financial institutions, and PocketGuard Plus costs $12.99 a month or $74.99 a year after a seven-day free trial, with prices that may vary by region. The listing doesn't say what stays free.
Good at
- A clear safe-to-spend amount and spending pace
- A debt payoff plan with a timeline
- Cancels subscriptions and negotiates bills
- PIN and biometric login
Watch out for
- U.S. and Canadian banks only
- Plus costs $12.99 a month or $74.99 a year
- What stays free isn't stated
See it on Google Play (PocketGuard)
EveryDollar
Best for zero-based, every-dollar budgeting

Rating
4.35 · 15k ratings
Price
Free; paid upgrade
Ads
None
Bank sync
With the upgrade

EveryDollar is Ramsey Solutions' budget app, built on the idea that you give every dollar a job. The free version gives you unlimited budget categories, savings for big purchases, bill due dates and a budget you can share with your household, all entered by hand.
The paid upgrade adds connected accounts that stream transactions into your budget, a debt and savings roadmap, net worth, Excel export and live Q&A sessions with financial coaches. The listing doesn't give the price; its in-app purchases run from $7.99 to $129.99.
Good at
- A clear zero-based method
- Household budget sharing, free
- A debt and savings roadmap (paid)
- No ads
Watch out for
- Bank sync and export need the upgrade
- The listing doesn't state the price
- Built around one budgeting philosophy
See it on Google Play (EveryDollar)
Splitwise
Best for splitting costs with friends

Rating
4.19 · 193k ratings
Price
Free; Pro
Ads
None
Bank sync
No

Splitwise isn't a budget app, but if your spending is shared, with roommates, a partner or a travel group, nothing here does it better. Split equally or by percentages, shares or exact amounts, add several payers to one expense, keep recurring bills, and let it simplify who owes whom. It handles more than 100 currencies, lets you add expenses offline, and runs on Android, iOS and the web.
Splitwise Pro adds receipt scanning, currency conversion, full search and charts of spending by category. Pair it with a personal tracker for the rest of your money.
Good at
- Flexible splits and simplified debts
- More than 100 currencies
- Android, iOS and the web
- Settle up through PayPal or Venmo (U.S. only) and Paytm (India only)
Watch out for
- Not a personal budget tracker
- Receipt scanning and budgets need Pro
See it on Google Play (Splitwise)

Side by side

Expense tracker features compared

What each app's Google Play listing states. Not listed means the listing doesn't say, not that the feature is missing.

App	Free plan	No ads	Bank sync	Budgets	Savings goals	Currencies	Sharing
Coinly	Free	None	No	Weekly to yearly	Yes	153	No
Wallet	Yes	None listed	Premium	Yes	Savings plans	Multicurrency	Shared accounts
Money Manager	With ads	Ads	No	Yes	Not yet	Not listed	Not listed
Cashew	Yes	None	No	Any period	Not listed	With rates	Not listed
MyMoney	Yes	None	No	Monthly	Not listed	Not listed	Not listed
Monefy	Core features	None	No	Monthly	Not listed	Yes	Via your cloud
Bluecoins	With ads	Ads	SMS, notifications	Week to year	Not listed	Plus crypto	Family
Spendee	1 wallet, 1 budget	Reported	Paid	Yes	Budget per goal	Yes	Shared wallets
Monarch	7-day trial	None	Yes	Flex or category	Yes	Not listed	Partner
Rocket Money	Basic	None	Yes	Monthly	Auto-save	Not listed	Not listed
PocketGuard	7-day trial of Plus	None	U.S. and Canada	Monthly	Yes	Not listed	Not listed
EveryDollar	Manual budgeting	None	Paid	Zero-based	Yes	Not listed	Household
Splitwise	Yes	None	No	Pro	Not listed	100+	Its purpose

From each app's Google Play listing on 6 June 2026, plus developer replies where marked in the entries above. Coinly as of October 2026.

Choosing

How to choose an expense tracker

Five checks that decide more than any feature list.

Decide whether it should see your bank
Bank sync saves typing, but it needs a supported bank, usually a subscription, and it puts your transactions in the developer's cloud. Manual tracking takes a few seconds a purchase and keeps the record with you.
Check what the free version really includes
In several apps here, reviewers found features they relied on moved behind a subscription. Read the in-app purchase range and the newest one-star reviews before you commit years of data.
Match your currencies and your country
If you travel or earn in more than one currency, make sure each account can keep its own and that totals convert. For bank sync, confirm your bank's country is covered: PocketGuard, for one, covers only the U.S. and Canada.
Make sure your data can leave
Look for an export to CSV or Excel and a backup you control, such as a file or your own Google Drive. Lost data after a phone change is one of the most common complaints in these reviews.
Try it for two weeks
The best tracker is the one you still open after the novelty fades. Log every purchase for two weeks; if it feels like a chore, try the next pick.

FAQ

Questions about expense tracker apps

Can't find your answer? Write to norvane.studio@gmail.com.

What is the best expense tracker app in 2026?

It depends on one choice: whether the app should connect to your bank. If it should, Wallet lists worldwide bank coverage, and Monarch, Rocket Money and PocketGuard are built around linked accounts (PocketGuard covers only U.S. and Canadian banks). If you'd rather enter spending yourself and keep it on your phone, Coinly, Cashew, MyMoney and Money Manager are strong choices. I make Coinly, so weigh that pick accordingly.

What is the best free expense tracker with no ads?

Coinly, Cashew and MyMoney are free to use with no ads. Monefy's free version has no ads either, but reviewers report that features such as repeating entries need its subscription. Money Manager and Bluecoins are free with ads, and their paid versions remove them.

Which expense tracker works without a bank account connection?

Coinly, Cashew, MyMoney, Money Manager, Monefy and Bluecoins all work without linking a bank. Coinly also reads receipt photos, voice notes and bank-statement PDFs into drafts you check, and imports exports from other apps for free.

Is there an expense tracker that works offline?

Yes. MyMoney's listing says it needs no internet connection at all. In Coinly, recording transactions, history, budgets, goals, analytics, exports and backups to a folder all work offline; receipt and voice capture, imports, automatic exchange rates, Google Drive backups and purchases need a connection.

Which app is best for tracking expenses in several currencies?

Coinly gives each account its own currency, from 153, and converts totals at the rate you set or one it keeps up to date. Wallet lists multicurrency accounts, Cashew converts with current rates, and Splitwise handles shared costs in more than 100 currencies.

Are expense tracker apps safe to use?

Check what leaves your phone. A bank-linked app needs access to your accounts, and its listing should say how it connects; Monarch's, for example, says it is read-only and never stores your bank credentials. A manual app can keep everything on your device. Either way, read the Data safety section on Google Play, turn on an app lock if there is one, and keep a backup you control.

Try the one I built.

Coinly is free to download, with no ads and no account. If it isn't the right fit, every other app on this list is worth a look.

Free to download · Android 8.0 or later · Optional in-app purchases

The best expense tracker apps for Android in 2026

The best expense tracker for what you need

How I compared them

The 13 best expense tracker apps for Android

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Expense tracker features compared

How to choose an expense tracker

Decide whether it should see your bank

Check what the free version really includes

Match your currencies and your country

Make sure your data can leave

Try it for two weeks

Questions about expense tracker apps

More about Coinly

Try the one I built.