Money is surely wanted by all but there are only a few who know how to keep it safe and manage it well. People love to earn and spend moolah but there are only a few who know the art of saving and managing money.
It is an art that is hard when you seldom enjoy shopping sprees. If not sprees, there are so many small expenses that you pay out that when you look back into your wallet at the end of the day, you are surprised as to how little is left and you wonder where all the cash has gone.
Since this is one of the universal problems where people are struggling to find that balance between shopping and saving or tracking money at the same time, there are several apps that have mushroomed over the years that help with exactly that. Let’s take a look at some of the expense management apps for personal use.
Expense Management Apps for Personal Use
Wallet
Wallet is one of the most popular apps that help you manage your money. It is a very visual money Manager that gives you quick and easy insights. The app offers both free as well as paid features.
With a free account, one needs to manually update your spending, allows you to get all your different accounts into one place, automate tracking your spending by connecting your bank account along with other wallets like Paypal, Amazon Pay etc.
With Wallet, you can allot money for your goals, keep track of your debts, income and expenses all in one place. When you want to shop, set a budget and your wallet will help you stick to that budget.
It also keeps track of your warranties, loyalty cards and more. One of the most intriguing features of this app is its game called Was It Worth It, which generates a score for purchases based on your inputs to help you understand if you’re happy with how you are spending money.
The app graphs your money into 6 different categories from ‘Balance Trend Chart' to the ‘Cash Flow Table,' giving you a detailed analytical understanding of your spending habits.
Lio
Lio is a perfect application for anyone who wants to keep a close eye on their daily expenditures. The application lets you choose from the many templates based on your requirements.
You can add in your day to day expenditure and it will just calculate and let you know about your spendings. You can track money spent on shopping, can track all your loans and everything else.
Money Manager
With Money Manager, tracking your expenses have been made more interesting and is one of the best apps for beginners. If you are someone who doesn’t want to give access to your details to third-party companies, this is the app for you. With money manager, you can add images to your entries that would make the task of tracking money much easier as you can upload receipts.
This is a simple app with several sub-categories under both income and expense. Get a detailed analysis of your spendings with a pie chart of your daily expenditure and income through the line graph. The app is available on both iOS and Android.
YNAB
YNAB which stands for You Need A Budget is personal budgeting software. The app offers a budget section that helps you plan your spendings ahead of time.
The categories offered are thus divided into ‘Immediate Obligations', ‘True Expenses,' 'Debt Payments,' ‘Quality of Life Goals,' and ‘Just for Fun,' so that you can know exactly how, why and where you are spending your money.
This is a serious app for people who are very serious about their money and want to change their habits of spending money.
In case you are stuck or face any problem you can send your queries and the team would get in touch with you within 24 hours.
Walnut
Another popular app that is great for personal use, Walnut offer several categories to keep a tab on your spending habits like bills, EMIs, SIPs, household expenses, groceries, drinks, food, travel etc. Not just this it also channels data from SMS and email communication to better the user’s cash outflows.
The app handles periodic cycles of credit cards, you can integrate with UPI to enable in-app payments. It is also designed to link other users and record shared expenses.
Spendee
Spendee is a money-management app amongst the youth, especially travellers. The app consists of infographic data that cross-references income-expense records. Many even view it as an abridged version of a wallet.
The app offers a wide range of intuitive financial tools, it allows linkage of bank accounts, E-wallets, crypto-wallets. Multiple user-linking is also allowed that helps maintain personal financial optimum. It also supports multi-currency.
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