I’m not going to lie, this blog is more for me than anyone else. I’ve been trying (and failing) to keep my spending under control. But then I figured it’s time to get serious about tracking where my money actually goes. The problem? There are so many money-tracking apps out there, and finding the right one feels overwhelming. So I was determined to find the perfect app to track my spending and I figured, why not share my research? If you are also struggling to keep your finances in check, hopefully, this will help you too. So let’s dive in and explore the top money tracking apps in 2025 and save our money together.
1. YNAB: The Zero-Based Budgeting App
If you always feel stressed about tracking your expenses and don’t know where your money goes (just like me), then you need a budget for sure. How? YNAB will help you in that matter. This app is one of the best money tracking apps in 2025. YNAB lets you manage your money by giving every dollar a job. It even allows you to categorize your spending according to how important it is and when it’s due. YNAB will let you define your priorities and even save money without being restricted.
- Key Features: Zero-based budgeting, Goal tracking tools, Loan planner tool, Income vs expense report, Spending targets, Bank-grade security, Up to six accounts can share same subscription, Ad-free, Multi-device syncing
- Bank & Other Integrations: Syncs with many U.S. and Canadian banks
- Cost & Subscription Plans: $14.99/month or $109/year (34-day free trial)
- App Rating: Apple App Store: 4.8/5, Google Play Store: 4.7/5
2. Monarch: The Flexible Money Tracking Apps In 2025
Do you have different accounts? You feel a bit overwhelmed when you try to track your expenses, right? (Who doesn’t?) What if I told you there’s an app that will make budgeting way easier? Meet Monarch, one of the most flexible money tracking apps in 2025. This app brings all your accounts in one place; that way, it can simplify your finances. Moreover, it even gives you the freedom to tailor your spending plans the way you want. Monarch is definitely an all-in-one money tracking app.
- Key Features: AI-powered insights, Flexible spending plans, Goal tracking, Collaborative budgeting (share your finances with a partner or family members), Ad-free, Multi-Currency Support, Investment tracking, Bank-grade security
- Bank & Other Integrations: Syncs with a wide range of banks and financial institutions, Apple card integration
- Cost & Subscription Plans: $14.99/month or $99.99/year (7-day free trial and 50% off the first year)
- App Rating: Apple App Store: 4.9/5, Google Play Store: 4.7/5
3. Quicken Simplifi: Smart Budgeting App
Do you want to track your expenses without wasting a fortune on a budgeting app (I know that kind of defeats the whole purpose)? Let me introduce you to Quicken Simplifi, one of the most affordable money tracking apps in 2025. This app syncs all your accounts with all its data in one place. It even categorizes your transactions and tells you exactly where your money is going. Quicken Simplifi makes it easy to track your expenses without any hassle.
- Key Features: Expense tracking, Custom savings goals, Investment tools, Visual reports, Personalized spending plans, Subscription tracking, Bill reminders, Bank-grade security, Ad-free, Spending watchlist
- Bank & Other Integrations: Syncs with over 14k banks and financial institutions, Zillow integration
- Cost & Subscription Plans: $5.99/month (30-day free trial)
- App Rating: Apple App Store: 4.3/5, Google Play Store: 4.0/5
4. Goodbudget: The Traditional Envelope Budget Planning App
Remember when we used to sort our money into different envelopes based on their purpose? However, remember how quickly things get messy and how you’d end up having no idea what’s left for what? That’s where Goodbudget comes in. This app keeps everything organized for you, so you always know how much you have in each category. The best part? Goodbudget offers a free plan as well. That’s why this app is one of the best free money tracking apps in 2025.
- Key Features: Envelope budgeting method, Budget planning, Debt tracking, Visual reports, Manual expense tracking, Goal tracking, Multi-device syncing, Ad-free,
- Bank & Other Integrations: No automatic bank syncing
- Cost & Subscription Plans: Free plan (20 envelopes, 1 account, 2 devices), Premium plan $10/month or $80/year (unlimited envelopes and accounts, 5 devices)
- App Rating: Apple App Store: 4.6/5, Google Play Store: 3.9/5
Final Thoughts:
So, after all this search, what’s the best money tracking app in 2025? To be honest, that really depends on you. How? you should pick an app based on your spending habits . Let’s be real, some people need a strict, zero-based budgeting approach (like me), while others just want a flexible way to track their spending without overthinking it. However, regardless of your spending habits, I’m sure there’s an app that will fit your needs. The key is consistency; no app will magically fix our finances if we don’t use it. So pick one, give it a shot, and let’s finally stop wondering where all our money went.
