Seedly App Closed? How to Keep Tracking Spending in Singapore

If you opened the Seedly app to log lunch and found it gone, you are one of a lot of people in Singapore who had the same moment. Seedly was where many of us started tracking spending, and now the part that did the tracking no longer exists.

This guide covers what Seedly actually announced, what you can still use it for, and four ways to keep tracking your spending, including the ones that are not ours. We make Graiden, which is one of the four, so we have said where it falls short too.

What Seedly Actually Announced

The facts below come from Seedly's own notice, "Important Update: Seedly App Discontinuation".

• The app closed on 31 December 2025. Seedly's wording is that it is discontinuing "the app, not us", so the company carries on.
• Expense-tracking data was due to be deleted. The notice says it would be permanently and securely deleted from Seedly's servers after 31 March 2026.
• Your profile stays. Comments, posts, replies, reviews and rewards remain available through the website.
• Seedly is part of MoneyHero Group. The notice says the team will keep working on community, content and new tools across the group.

The notice does not describe a way to export your tracked expenses, and it does not recommend a replacement. We can't tell you what happened to any individual account, so if you have a specific question, use the contact details in the announcement.

What Still Works on Seedly

The website is still running. That means the community Q&A, the reviews of credit cards, insurance and other financial products, and your own profile and posts. If you used Seedly mostly to research which card or savings account to pick, you may not have lost much. If you used it to log spending, you need a separate tool.

Your Old Data Is Probably Gone. Here Is How to Rebuild a Baseline

You don't need years of history to start again. You need about three months, so you know what a normal month costs you. Here is a 30 minute way to get it:

1. Download your last three statements. Get the monthly statements for your main debit account and each credit card from your bank app or internet banking.
2. List your fixed costs. Rent or mortgage, phone, insurance, subscriptions, transport pass. These are the same every month, so one pass is enough.
3. Skim for the big variable ones. Food delivery, ride-hailing and shopping tend to be where the surprises are. Write down a rough monthly total for each.
4. Pick a tracker and start today. The tracker below fills in the rest from now on. Do not wait for a perfect baseline.

Some apps can help with the first step. Dobin, for example, says it can import bank or card statements as PDF.

Four Ways to Keep Tracking

1. Link Your Bank to an App That Syncs

You sign in to your internet banking inside the app, and it pulls in your transactions. This is the closest thing to how many people used Seedly.

Dobin is free, made in Singapore, and syncs DBS/POSB, UOB, OCBC, Citibank and Standard Chartered. Its own FAQ says it earns commissions when you use a discount or apply for a card or loan through the app. The trade-offs: it is mobile only, data is not real time (you refresh), Maybank cards can't be connected, and you give the app your internet-banking login.

Spendee has shared wallets for partners or flatmates, apps for iOS, Android and the web, and a list of supported Singapore banks that includes DBS, OCBC, UOB, Standard Chartered, CIMB and American Express. Check its pricing page for which plan includes bank sync, because plans and prices change.

2. Use Your Bank's Own Tool

If all of your accounts are with DBS or POSB, DBS digiWealth (formerly NAV Planner) lives inside the digibank app, and DBS lists no fee for it. It can bring in accounts from other banks through SGFinDex. The trade-offs: DBS now presents it as a wealth and planning tool more than an expense tracker, cash spending is not captured, and it does not read receipts or emails.

3. Forward Your Bank Alerts

Your bank already emails you every time you spend. Graiden reads those emails, so every card tap and PayNow transfer gets logged and categorized without you linking your bank or sharing a login. You set up forwarding once, in Gmail, Outlook or another email app, and the rest runs by itself. It supports alerts from DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi and Trust. We wrote a step-by-step guide to the setup.

The trade-offs are real. Graiden can only log what your bank emails you about, so set your alert threshold as low as your bank allows. Cash is not captured and has to be added by hand. Transfers to individuals through PayNow are usually filed under "Other" until you recategorize them. Setting up Gmail forwarding needs a computer. And the text of the forwarded emails is read by AI providers to pull out the amount and merchant; Graiden deletes the email text within 3 days and keeps only the purchase details.

Every new account gets a free week of automatic logging, with no card needed. After that, Graiden Pro is US$24.99 a year or US$2.99 a month. Typing purchases in by hand stays free.

4. Log by Hand

Money Manager by Realbyte is a long-running manual tracker with budgets and double-entry accounts. It is free with ads, and the ad-free iOS version is a one-time S$8.98 on the Singapore App Store. It never asks for bank access. The cost is time: every transaction is typed by you, so the tracking is only as good as your habit. A spreadsheet works the same way.

Side by Side

Which One Should You Pick?

• You don't mind sharing your bank login and want it free: Dobin is a reasonable choice and the closest to what you had.
• You bank only with DBS or POSB: try digiWealth first, since it is already on your phone.
• You would rather not link a bank and want it automatic: forwarding alerts is the option built for that, and Graiden is the one we make.
• You want full control and don't mind typing: Money Manager or a spreadsheet.

Whichever you pick, the most useful thing you can do this week is start. You can switch later, and three months of tracking in any app beats a perfect setup you never finish. If you want to see how the options compare in more detail, we keep a page of Seedly app alternatives and a Graiden vs Seedly comparison.