Best Expense Tracker Apps for Singaporeans in 2026

Dobin is made in Singapore and is free. You connect DBS/POSB, UOB, OCBC, Citibank and Standard Chartered by signing in with your internet-banking login inside the app, and it pulls in balances and transactions, plus credit card tools such as the best card for your next purchase. The tradeoffs: you hand over your bank login, data isn't real time (you refresh), Maybank cards can't connect, Trust Bank only works by statement import, and it's mobile only. Dobin says it is not currently regulated by MAS.

Spendee's Premium plan syncs bank accounts, and its Singapore list includes DBS, OCBC, UOB, Standard Chartered, CIMB and American Express. It runs on iOS, Android and the web, has shared wallets, and Premium (roughly US$22.99 to US$35.99 a year) costs about the same as Graiden Pro or more. Bank sync needs the top plan; the free Basic plan is manual with one cash wallet and one budget.

Graiden (our app) records purchases from the transaction-alert emails Singapore banks already send (DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi and Trust) and from e-receipts, without your bank login. It ranks third because it only sees what your bank emails you about (cash still needs typing), automatic reading is free for only the first 7 days, and after that you type purchases in yourself unless you get Pro, and there's no iPhone app (web and Android only). Pick it if not handing over a bank login matters to you, or you bank with Trust.

If you bank with DBS or POSB, digiWealth (the former NAV Planner) is already inside the digibank app, with no fee listed. It shows your net worth including CPF, investments and loans, and through SGFinDex can bring in accounts from other banks. It ranks fourth because DBS now presents it as a wealth-planning tool rather than an expense tracker, it's only for DBS/POSB customers, and DBS describes its spending categories only on older NAV Planner pages.

Money Lover is popular across Southeast Asia and handles SGD and every other currency, useful if you travel in the region. Its paid Linked Wallet add-on (from S$3.48 a month, separate from Premium) connects banks in several Southeast Asian countries including Singapore, but Money Lover doesn't list which Singapore banks, so we can't say how much it records here. Without it you log spending yourself. The free version allows one wallet and shows ads; Premium is a S$29.98 one-time purchase.