Choose the right accounting app for your financial goals - The Complete Guide 2025

Daily expenses are unavoidable for everyone, regardless of who you are. Therefore, finding tools to help track your money is becoming an essential part of daily life.

In 2025, there are many income and expense tracking apps to choose from, available on both iOS and Android, to help you manage your finances efficiently and systematically.

Choosing the right income and expense tracking app for you

Before you start using any app, the most important thing is to understand that each app has its own strengths. Some are suitable for beginners, some focus on in-depth analysis, and there are even apps developed specifically for Thai users.

9 income and expense tracking apps worth keeping on your phone

Part 1: Apps for comprehensive analysis

Money Manager Expense & Budget

A primary choice for those who want detailed information. This app allows you to access financial data through multiple channels, including a PC Manager feature that makes account management more convenient. You can organize entries by date, category, or account type. It also displays spending trends via detailed graphs. Although some features may require additional fees, the ability to link debit cards and back up data via Google Drive makes it worthwhile.

Money Lover

With over 5 million users worldwide, Money Lover offers intelligent budgeting approaches. Besides tracking income and expenses, it can forecast next month’s spending based on past data. Automatic transaction setting and notification systems are very useful for managing regular expenses. The premium package provides access to deeper reports and automatic bank account connections.

Spendee Budget & Money Tracker

If you want a clear picture of your finances, Spendee offers infographics that are easy to understand, integrating data from bank accounts, e-wallets like PayPal, and even crypto wallets. Its automatic categorization and graph display help identify spending patterns easily. It also features financial advice tools to help build sustainable emergency funds.

Part 2: Apps for Thai users

MeowJot

A true app for Thai users, utilizing OCR technology to detect expenses from bank slips, QR Code receipts, and invoices. Simply upload a photo of the slip, and the app will automatically categorize and record the data—no manual typing needed. Very suitable for PromptPay and other Thai banks. It supports slip formats from major financial institutions.

MeTang: Expense Manager

Provides convenience for Thai users by recording expenses via voice commands. Just press a button and speak your entries; the system converts them into automatic records. Supports various account types such as cash, savings, and credit cards, with secure login via fingerprint or Face ID. Its simple design makes it easy to use, though it may not be ideal for tracking investments.

Part 3: Apps for credit card users

Piggipo

If you frequently use credit cards, Piggipo is your best friend. It consolidates all your credit card balances and transactions in one place. Besides expense tracking, it can calculate interest and manage early payments. The Billbox system helps verify bills before payment, and notifications remind you of due dates to avoid unnecessary penalties. Advanced users can export data to Excel and view spending graphs.

Part 4: Apps for beginners

Budge

For those planning savings and setting financial goals, Budge offers an attractive colorful interface that makes budgeting fun. You can divide expenses into daily, weekly, or monthly categories and track progress toward goals like travel or emergency funds. It supports multiple wallets, making it suitable for personal and shared use. (Android only)

Daak – Budget & Expense App

For fans of simplicity, Daak allows expense recording in seconds. Just enter the amount, select a category, and you’re done. It supports recurring expenses and basic graphs. No login required, but it cannot sync with the cloud.

Oh My Cost

Easy and fun to use, with over 500 icons. Oh My Cost helps record various expenses from morning coffee to activities. Supports multiple accounts and Excel export. However, it may have limitations regarding currency options.

Quick comparison table

Summary: Choosing the right income and expense app for you

No matter who you are, the right income and expense app will make managing your money easier and more sustainable. The choice depends on your needs: if you prefer in-depth analysis, choose Money Manager or Money Lover; for simplicity, try Daak or Oh My Cost. Thai users will find MeowJot convenient, while credit card users should pay attention to Piggipo. All these apps are free to download. Pick the one that suits your style and start building a better financial future today.