7 Best Expense Tracker Apps of 2026
Tired of wondering where your money goes? We tested the top expense tracker apps to help you find the perfect one for tracking spending, splitting costs, and staying on budget.
TL;DR: For expense tracking with friends/roommates, Savida is the best choice (free + splitting). For business expenses, use Expensify. For subscription tracking, try Rocket Money.
Best Expense Tracker Apps Compared
Savida
Expense tracking + splitting with others
Free / $9.99/mo or $79.99/yr
Pros:
- Free tier available
- Automatic bank sync
- Split expenses with groups
- AI-powered insights
- Receipt scanning
Cons:
- Newer app
Verdict: Best expense tracker for people who share costs
Expensify
Business expense reports
Free / $5-18/month
Pros:
- Receipt scanning
- Mileage tracking
- Business integrations
Cons:
- Complex for personal use
- Expensive premium
- Overkill for individuals
Verdict: Best for business expense reporting
Mint (Credit Karma)
Basic tracking with credit score
Free
Pros:
- Completely free
- Credit monitoring
- Bill reminders
Cons:
- Ads everywhere
- No expense splitting
- Shutting down features
Verdict: Decent free option but limited future
PocketGuard
Seeing what you can spend
Free / $7.99/month
Pros:
- 'In My Pocket' feature
- Simple interface
- Bill tracking
Cons:
- Limited free tier
- No splitting
- Basic insights
Verdict: Good for simple 'how much can I spend' tracking
Copilot
iOS users who want beautiful design
$10/month
Pros:
- Gorgeous UI
- Investment tracking
- Smart categories
Cons:
- iOS only
- No free tier
- No expense splitting
Verdict: Best-looking expense tracker for iPhone users
Rocket Money
Finding and canceling subscriptions
$6-12/month
Pros:
- Subscription detection
- Bill negotiation
- Spending insights
Cons:
- No free tier
- No splitting
- Premium features locked
Verdict: Best for subscription management
What Makes a Great Expense Tracker?
The best expense tracker apps share these essential features:
- Automatic Bank Sync: Connect your accounts to automatically import transactions
- Smart Categorization: AI that learns your spending patterns and categorizes correctly
- Receipt Capture: Snap photos of receipts for easy record-keeping
- Expense Splitting: Share costs with roommates, partners, or travel buddies
- Spending Insights: Charts and reports that show where your money actually goes
Why Savida is Our Top Pick for Expense Tracking
Most expense trackers assume you manage money alone. But in reality, you probably split rent, share grocery costs, or go on trips with friends. Savida is the only expense tracker that combines automatic tracking with built-in expense splitting.
Plus, the AI coach analyzes your spending and gives personalized tips to save more. And the best part? The core features are completely free.