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10 Best Personal Finance Apps in the Philippines 2024 | Money Manager, Monefy, and More

Are you struggling to manage your finances? Well, it can be cumbersome to plan and budget your money, especially if you’re inconsistent in keeping records. Fortunately, we found these personal finance apps and compared the features to help you choose the right one to track your cash flow.

An excellent personal finance app is easy to use, helps you manage your finances, and syncs seamlessly with other devices. There are many options for your smartphone or tablet, so whether you’re a beginner or have a knack for basic accounting, this guide will walk you through the importance of a personal finance app, practical buying guide, and comparison of prices. 

Last updated 07/14/2023
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Guide
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Editorial Team

Our recommendation articles are carefully researched and crafted by the mybest Philippines team of writers and editors. To stay true to our company’s mission and vision to help users’ selection process easier, we also collaborate with experts from various fields to ensure that our content stays factual and useful.

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Table of Contents

Why Use a Personal Finance App?

Why Use a Personal Finance App?

A personal finance app is a software — desktop or mobile application — that you can download on your device that manages your income, expenses, savings, and investments.

In general, most personal finance apps are designed to track your expenses, manage your cash flow, plan a budget, and sync your records across your devices.

It’s useful for everyone, whether you’re a student, an employee, or a business owner who wants to maintain a steady, manageable flow of money.

How to Choose a Personal Finance App - Buying Guide

Personal finance apps are downloadable via Apple Store and Google Playstore. There are free apps, but some premium ones offer a free trial or freemium access to test the features before purchasing monthly subscriptions. While exploring these apps, consider the following:

1

Inspect the User Interface and User Experience

Inspect the User Interface and User Experience

The User Interface, UI, and User Experience, UX, play a critical role as users navigate the mobile app features. UI focuses on the design and layout, while UX emphasizes the ease of use and interaction. We can go more in-depth with these two concepts as they can cover many areas, but let's simplify these for now.


Look for a screen layout that's simple, uncluttered, and easy to read and understand. Some personal finance apps overwhelm the users, requiring them to take many steps and taps before recording a single entry. That said, there's a lower chance that users will add more entries.

A good UI/UX provides straightforward visual design and content to the users. It only provides the necessary and logical steps to encourage users to consistently keep a record. Upon launching the app, the design and layout should be intuitive enough that even your mother can record an entry in a few taps

2

Make Sure It Shows Visual Presentation of Expenses and Income

Make Sure It Shows Visual Presentation of Expenses and Income

Check the app if it summarizes your expenses and income at a glance with a visual presentation like a pie chart or bar graph. Other apps show a summary of your daily, weekly, monthly expenses with statistics. These help you check your current financial situation, such as where you spend most of your money on a weekly or monthly basis. 


Some personal finance apps give you a more detailed view of a list or a graph, showing the total amount you spend on food, transportation, groceries, etc. This will help you keep track if you're overspending or not. 

3

Opt for Apps With Seamless Tracking of Expenses and Investment Portfolios

Opt for Apps With Seamless Tracking of Expenses and Investment Portfolios

Most personal finance apps show your entries in columns, tables, pie charts, or combinations of these visuals, depending on the app UI/ UX. However, some apps have a steep learning curve because several steps are required to record or compare your entries, or there are many labels, categories, and tags that you need to include.

These personal finance apps also let you categorize your expenses with default labels or create custom ones. Typical expenses include food, transportation, electricity, water, entertainment, apparel, to name a few. Labeling these expenses will help you track your list effectively.

Some personal finance apps support Philippine local banks. For instance, they allow you to integrate your bank account and other financial services like supported credit cards within the app. However, this kind of integration requires premium access, and there are only entirely a few local banks that support this service.

4

Choose an App That Helps You Achieve Financial Goals

Choose an App That Helps You Achieve Financial Goals

Look for personal finance apps that will help you build good habits on budgeting. Most apps let you set a budget for your expenses, and when you exceed your limit, you'll get notifications. 


Others have intuitive features that when you record your debts, they suggest the amount you need to pay and how long it will take you to finish it. These personal finance apps support notifications and scheduling, allowing you to budget your money for our incoming bills, loans, and mortgages. 


You can schedule a notification so you won't miss the due dates and avoid penalty fees. Premium apps offer joint accounts or allow you to invite your family members. This a great way to stay accountable for expenses and savings. 

5

See if It Supports Syncing and Has Backup Options

See if It Supports Syncing and Has Backup Options

The personal finance app must have syncing and backup options so that whatever changes you make, you have copies in the cloud. Some of these apps let you connect your Dropbox and Google Drive, typically if you unlock premium features. 


It would be great if you find a free app that supports this without extra charge. That said, all your files and records are safe and secured. Some personal finance apps support desktop versions for Mac and Windows, which is also useful if you want to get serious with keeping your records on your computer and aside from your smartphone or tablet. 

6

Consider the Cost of the Mobile App

Consider the Cost of the Mobile App

Premium apps offer two payment options, such as subscription or one-time payment for a lifetime. With subscriptions, you can choose a weekly, monthly, or annual fee in exchange for the use of advanced or Pro features. 


Some apps offer one-time payment for life with a discount, so you don't have to worry about paying monthly fees that can actually pile up to your expenses. 


All in all, it's best to opt-in for a free trial to see if the app matches your needs and the features you like to use. Frankly, there are free apps with useful features that are enough to keep track of your spending and savings. Therefore, spending on a premium app is optional. 

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10 Best Personal Finance Apps to Download

The apps we introduce below were carefully curated by the mybest team using the points mentioned in our detailed and thoroughly researched buying guide.
Popularity
Products
Image
Click to purchase
Key features
1

United Inc.

Household Account Book

United Inc. Household Account Book 1

Simple Budget Book With Cute Illustrations

2

Realbyte Inc.

Money Manager

Realbyte Inc. Money Manager 1

Manage Your Finances Like a Pro

3

Aimbity AS

Monefy

Aimbity AS Monefy 1

Add an Entry With a Single Tap

4

Danny Connell

Fudget

Danny Connell Fudget 1

Simplifying Expense Tracking and Budget Planning

5

BudgetBakers s.r.o.

Wallet

BudgetBakers s.r.o. Wallet 1

Unifies All Your Transactions in One App

6

Mobills Labs Solucoes Em Tecnologia Ltda

52 Weeks Challenge

Mobills Labs Solucoes Em Tecnologia Ltda 52 Weeks Challenge 1

Prioritize Your Savings With Consistent Record Keeping

7

Cleevio s.r.o.

Spendee

Cleevio s.r.o. Spendee 1

Budget and Expense Tracker with Bank Integration

8

Appxy

Pocket Expense 6

Appxy Pocket Expense 6 1

Full-Featured App That Unifies Your Transactions

9

TimelyBills Software LLP

TimelyBills Money Manager

TimelyBills Software LLP  TimelyBills Money Manager 1

Budgeting Made Easy With Local Banks and Billers

10

Wally Global Inc.

Wally

Wally Global Inc. Wally 1

Streamlines Transactions with Comprehensive Reports

If you don't see the product you're looking for, you can request that it be listed.
No.1

United Inc.Household Account Book

Household Account Book 1
Source:play.google.com

Simple Budget Book With Cute Illustrations

Household Account Book makes record-keeping fun with cute illustrations and stories. Join Pisuke as you get to know his progress in saving money while you keep track of your expenses and income. 


As an entry-level budget book, the interface is super straightforward. Simply record your expenses and income, and also label them by category. At a glance, your monthly records are shown in a list.


Unlock Pisuke's story as you consistently add entries. Moreover, you're bound for a treat of a fancy wallpaper that you can download for free. If you find the ads intrusive, you can always pay a one-time fee in-app purchase for the ad-block. 


The Household Account Book is ideal for beginners because it simplifies the logging process - income, expenses, and savings - without overwhelming you with financial jargon. 

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No.2

Realbyte Inc.Money Manager

Manage Your Finances Like a Pro

With more than 10 million downloads and 170,000 reviews as of this writing, this app helps you manage your personal finances with simple steps. It provides a quick summary of your monthly and weekly total budgets to keep you on track. The Stats option gives you a breakdown of your expenses and income in a pie chart. 


The app also offers five options to view your transactions — daily, weekly, monthly calendars, and summaries. All four, except the Calendar view, present your logs in a list view. On top of that, you can take a photo of the item or receipt for future reference when logging entries. 


There are categories for your expenses, but you can also create custom labels to organize other types of expenses. As you spend time browsing the functionalities, you may find the app useful for creating a budget and organizing your savings, expenses, and investments.

No.3

Aimbity ASMonefy

Add an Entry With a Single Tap

Logging entries with Monefy only requires a tap of the (+) Add or (-) Minus button to add income or expense. After that, just enter the amount, categorize it, and you're done. Monefy uses visual presentations like icons, pie charts, and lists, which helps visualize where you're spending your money. 


There are charts for your expenses and balances represented by icons - cards, clothing, drinks, and more. The app also allows you to add cash or cards, but you can also label other balances stored in your e-wallets like PayPal, Bitcoin, Stripe, and many more. 


It supports multi-currencies but must be unlocked with the Pro version. With Money's Pro version, you can unlock the syncing and backup options for Dropbox and Google Drive. It's a good app for students and young professionals starting their personal finance and money management journey. 

No.4

Danny ConnellFudget

Simplifying Expense Tracking and Budget Planning

Fudget lets you record your income and expenses in a few taps. It's a contender of Monefy when it comes to ease of use. Without bells and whistles, simply record an entry while on the go with its minimalist layout. It's ideal for people who just want to make record keeping simple and without charts and analytics.


You can create a list of your income and expenses, set a budget, and track everything without the complicated charts and categories. Besides that, simply set your preferred currency, tap the 'Add Income' or 'Add Expense,' and if you already settled an entry, you just swipe left and mark it paid. 

Unifies All Your Transactions in One App

Do you love diving into reports and graphs? With Wallet, you're bound for a treat as you take control of your finances with illustrations and statistics. What’s more, if you want to save or set a financial goal, whether to buy a new home, pay your mortgage, or save for emergency funds, Wallet helps you allocate funds for each goal.


Recording an entry requires a few taps here and there and labeling. Moreover, there are 3,500 participating banks worldwide, allowing you to connect your accounts to this app. For Philippine users, you can connect your BPI, BDO, Metrobank accounts for syncing. Wallet also supports Binance, PayPal, Transferwise, and Bittrex accounts. 


Unlimited accounts and group sharing features are only available when you upgrade to a premium account. But the free version offers the basic features you need to jumpstart your budgeting and expense tracking. You can also set the bill tracker to make sure you won’t miss any due dates and keep your bills organized.

No.6

Mobills Labs Solucoes Em Tecnologia Ltda52 Weeks Challenge

Prioritize Your Savings With Consistent Record Keeping

Struggling with savings? The 52 Weeks Money Challenge app helps you get started with your financial goals. It's created and designed based on the popular 52-week challenge for saving money or for the entire year. 


For instance, if you start saving P700 per week consistently and multiply it by 52, then you’ll have P36,400 by the end of the year. You can also adjust your weekly goal and add more. 52 Weeks Money Challenge app can be paired up with another Expense and Income tracking app as it doesn’t support this feature. 


It’s useful for people who want to seriously save money and learn to set aside budgets for the future. This app's challenge pushes you to commit to saving a certain amount every week, depending on how much you want to save by the end of the year. 

Budget and Expense Tracker with Bank Integration

Spendee streamlines all your transactions, whether manual logging of records or integrating your bank accounts and crypto-wallets. It lets you connect your BPI, BDO, Metrobank, and PayPal accounts as of this time. 


Its UI/UX might overwhelm the beginner who's not familiar with financial terms and money management. However, it provides simple graphic illustrations of where your money goes every month with current balances and monthly entries at a glance are visible. 


By default, you have only one wallet for the free version. To create more than one, you need to unlock the premium feature. The wallet lets you record your expenses manually, and you can share it with family members, roommates, and friends so all of you can start saving money. 

Full-Featured App That Unifies Your Transactions

Pocket Expense 6 is a full-featured personal finance app that provides comprehensive reports and charts if you have multiple accounts. Upon launching, it shows you today's transactions, and below are four tabs to view your records by Calendar, Chart, Budgets, and Bills. 


There are a set of icons that you can assign per entry to categorize them. For your accounts, you can create custom ones for your bank accounts and cards and label them depending on their use—for example, credit card, debit card, checking account, savings, and others. 


A beginner may not find the detailed reports useful, especially if record-keeping and tracking are priorities - if you like the nitty-gritty of categories, labels, and colors, Pocket Expense 6 is a good choice. If you can dance your way into financial terms, this app is handy all year' round. 

No.9

TimelyBills Software LLP TimelyBills Money Manager

Budgeting Made Easy With Local Banks and Billers

TimelyBills Money Manager serves as your all-in-one finance manager for managing expenses and budget, ensuring your bills are paid on time. Your transactions are presented in a pie chart at a glance to compare your bills and budget. 


TimelyBills lets you add local banks like BPI, BDO, AUB, CIMB, Metrobank, just to name a few. Telecom billers like Globe, Smart, and PLDT are also supported. However, the app doesn't support bank syncing. You can simply add your local bank and biller's icon for proper labeling and categorization.


You can set a budget for each category and activate the overspending alerts. To make sure you’re on top of your due dates, you can set alerts and reminders for your bills and the amount you need to pay. You can plan for your upcoming monthly dues, especially for recurring ones. 

No.10

Wally Global Inc.Wally

Streamlines Transactions with Comprehensive Reports

Wally is a comprehensive personal finance app recommended over 150 times by personal finance experts, bloggers, and leading publications like the Forbes, BBC, and Economic Times. It streamlines all your transactions and connects your bank accounts for better insights on your spending, savings, and investments. 


It can be overwhelming to use the app for first-timers as it centralizes all transactions and requires a steep learning curve. However, beyond the expense tracking feature, it also helps you build savings and pay off debts


For effective tracking, you can scan and upload bills and receipts for your reference. On top of these, it supports bill reminders and alerts, and you can also start groups to involve your family members if you upgrade to a premium account. 

Stay on Top of Your Finances

Being a good steward of finances takes practice and discipline. While you're at it, you can explore other articles related to personal finance and money transfers. Also, we included a link for affordable smartphones, so you can give yourself a phone upgrade while still sticking to your budget.

Author: Maria Krisette Capati

How We Chose and Ranked Our Product Recommendations

Our buying guide was carefully researched and crafted by the mybest team of writers and editors. We used the buying guide as a basis for choosing and ranking the product recommendations, and we looked at reviews and ratings from different E-commerce sites like Lazada, Shopee, and more.

Top 5 Personal Finance Apps

No. 1: United Inc.Household Account Book

No. 2: Realbyte Inc.Money Manager

No. 3: Aimbity ASMonefy

No. 4: Danny ConnellFudget

No. 5: BudgetBakers s.r.o.Wallet

View Full Ranking
The descriptions of each product are referenced from content available on manufacturer, brand, and e-commerce sites.
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