Managing your money becomes a lot easier with the right tools. If you live in Singapore and want to track expenses, plan budgets, or manage savings and investments — using a finance app can help you stay organised. Below are some of the best personal‑finance and budgeting apps worth checking out in 2025.
📱 Top Apps to Try
Seedly
- Very popular among Singapore residents. The app helps you track your expenses, categorise spending, and view month‑on‑month comparisons so you know exactly where your money is going.
- Great for beginners: clean interface, simple input, and good for forming budgeting habits.
Planner Bee
- A Singapore‑oriented finance app that aims to give a complete overview: budgets, expenses, savings, and even investments/insurance tracking.
- Handy if you want a more holistic view of your personal finances — not just expenses.
Spendee
- Good for both personal and shared finances (e.g. couples, roommates, family). Supports multiple wallets/accounts, multi-currency if you travel or transact internationally.
- Offers manual tracking (free tier) and also paid plans if you want more advanced features like wallet syncing.
Wallet by BudgetBakers
- Solid budgeting and cash‑flow tracking app: lets you plan budgets, enter transactions (manually or linked), view reports and upcoming expenses.
- Good for people who want clear visuals and a structured overview of income vs spending.
You Need a Budget (YNAB)
- If you want a disciplined, forward‑looking approach — YNAB is designed for “envelope‑style” budgeting: assign every dollar a job, plan ahead, and avoid overspending.
- Best for people who want to take budgeting seriously and build long‑term financial discipline.
✅ How to Choose the Right App for You
- If you’re new to budgeting: Go for Seedly or Spendee — they’re easy to use and good for forming habits.
- If you want full financial picture (expenses + savings + investments): Planner Bee or Wallet by BudgetBakers give more comprehensive tools.
- If you want structure and discipline: YNAB is best — especially for budgeting according to income, savings, and long‑term goals.
- For shared expenses (family, roommates, couples): Spendee and Wallet work well thanks to multiple wallets/accounts and shared‑expense support.
⚠️ A Few Things to Keep in Mind
- Free versions of many apps may have limited features (e.g. manual entry only, limited wallets/accounts). Premium versions unlock syncing, bank linkage, or multiple currencies.
- If you link your bank accounts or credit cards — ensure the app uses secure encryption and follows Singapore’s data‑protection standards.
- Consistency is key: apps only help if you track income and expenses regularly and honestly.
💡 Final Thoughts
Using a finance app is one of the easiest ways to stay on top of your money and avoid overspending, especially in a city like Singapore with variable costs and busy life. Try one (or two) of the apps above, see which interface and features suit you best — and stick with it for at least a few months to really get clarity over your spending, saving and financial habits.