Choose the best account management app for you: Top 9 tools of 2025

Controlling expenses becomes easy again with a income and expense tracking app designed for those who want to save money systematically. In 2025, we summarize 9 income and expense apps for both iOS and Android that are user-friendly and suitable for beginners.

Why use a finance management app?

Looking at income and expense tracking apps not only helps you see where your money goes but also enables clear budgeting. Record income and expenses manually or automatically, and set savings goals all in one place.

Quick comparison table: Which app is best?

9 Income and Expense Apps You Must Try

1. Money Manager - The ultimate asset management tool

This app is designed to give you a complete financial picture, from daily income and expenses to long-term debt. Its special feature is PC Manager, allowing you to view and edit records from your computer via Wi-Fi.

Moreover, you can:

• Link debit/credit cards directly for real-time balances
• Set recurring transactions like salaries or rent
• View detailed graphs of account fluctuations
• Backup data via Google Drive or Excel

Pros: Free to use, comprehensive reports, bank connection available
Cons: Some features require in-app purchase

2. Money Lover - Your financial buddy

Used by over 5 million people worldwide, Money Lover helps you see where your money goes with clear reports. Besides tracking income and expenses, it predicts future expenses based on past behavior.

How it works:

• Easily record expenses with automatic categorization
• Set budget limits and get alerts when nearing
• Supports multiple currencies
• Premium members get multiple wallets and detailed reports

Pros: Smart budgeting, bill reminders, automatic bank sync
Cons: Slight learning curve

3. Spendee - See your finances in a complete picture

If you have multiple accounts (bank, wallet, PayPal, crypto), Spendee summarizes everything and shows spending habits in easy-to-understand beautiful graphs.

Highlights:

• Instant infographic insights
• Identify spending patterns like “too much on coffee”
• Acts as a financial advisor with personalized advice
• Build emergency funds

Pros: Beautiful visuals, multi-account tracking, free to use
Cons: Some features require Premium membership

4. MeowJot - Thai receipt scanner

This is an income and expense app that uses OCR to read receipts and QR slips automatically. Just upload a photo, and it will categorize and record for you.

Ideal for:

• Frequent PromptPay users
• Those with many receipts and dislike manual entry
• Real-time daily summaries
• Thai banks only, e.g., SCB, KBank, Krungsri

Pros: 100% automation, suitable for Thais, cute design
Cons: Not yet cross-platform sync

5. MeTang - Voice input for expenses

Main feature: Record income and expenses just by speaking, with automatic speech-to-listing conversion.

Benefits:

• Saves time, no typing needed
• Supports Thai language and Baht
• Simple interface, secure with Face ID/Fingerprint
• Designed for Thai users

Pros: Simple, voice input, understands Thai
Cons: No advanced investment features

6. Piggipo GO - Credit card expert

If you use multiple credit cards, Piggipo is the solution. It helps you see balances and interest across all cards in one place.

Main features:

• Create unlimited credit cards and wallets
• Automatic interest calculation
• Billbox to check bills before payment
• Payment due date reminders to avoid penalties

Pros: Reminds you to pay on time, export to Excel, clear credit info
Cons: Limited currencies

7. Budge - Set savings goals

Designed to make planning fun, colorful, with a modern interface that motivates real saving.

Features:

• Divide expenses daily/weekly/monthly
• Set specific goals like “Save for travel” or “Pay debt”
• Visual dashboard and multiple wallets
• Family-friendly

Pros: Easy, inspiring, beautiful UI, multiple wallets
Cons: Not available on iOS

8. Daak - Maximum simplicity

Not into complexity? Daak is perfect. Just enter expenses, choose category, done—no login required.

Quickly:

• Record expenses in 5 seconds
• Set recurring transactions
• Basic summary graphs
• Weekly/monthly spending limits

Pros: Extremely easy to use, no login, supports recurring transactions
Cons: No cloud sync

9. Oh My Cost - Fun expense tracking

Another simple yet cute option with 500+ beautiful icons, making expense recording fun.

Additional features:

• Multiple accounts (personal/family)
• Set monthly goals and track progress
• Customize categories and notes
• Export to Excel

Pros: Cute icons, simple UI, export to Excel
Cons: Limited currency support

Which app to choose? Based on your goals

• Full management: Money Manager or Money Lover
• Using credit cards: Piggipo GO
• Thai user, want automation: MeowJot
• Beginners saving money: Budge or Daak
• Want fun: Oh My Cost
• Couples/Families: Spendee

Final summary

Income and expense apps are not just tools for recording but also ways to develop good financial habits. The 9 apps we recommend are all designed to make money management easy and natural. All free and heartful—pick one that suits your style and start tracking your expenses now!