Control cash with 9 smart recording tools in 2025

If you think that recording income and expenses is complicated and boring, don’t worry. With current technology, income and expense apps are free and not only make tracking finances easier but also offer creative budgeting methods. This article will introduce you to 9 updated income and expense apps for 2025, compatible with iOS and Android. Each has its own unique features, suitable for different user groups.

Get to Know Modern Income and Expense Apps and Choose the Right One for You

In a world where money can cause anxiety, recording income and expenses has become essential. Whether your goal is budgeting, reducing spending, or saving for a dream purchase, these income and expense apps are ready to assist you at every step. Let’s see which app suits you best.

1. Money Manager Expense & Budget – The Pioneer in Money Management

Money Manager is a comprehensive app for those who want to organize their finances seriously. Its desktop PC Manager interface allows you to view and edit financial data conveniently on your computer via Wi-Fi.

A key feature is direct linking to debit and credit cards, enabling real-time tracking of balances and outstanding debts. It also supports recurring transactions like salaries or insurance premiums. The graph system clearly shows spending trends, with password protection and backup options via Google Drive or Excel.

Ideal for: Users needing detailed management, multiple accounts, and in-depth analysis.

Pros and Cons

• ✓ Supports multiple currencies, including Thai Baht
• ✓ PC features facilitate editing on computers
• ✗ Some features require additional payment

2. Money Lover – Your Trusted Saving Companion

Money Lover is trusted by over 5 million users worldwide for making money management simple and fun.

This app generates easy-to-read reports, showing exactly where your money went. Its forecasting system analyzes your past spending habits to predict next month’s expenses. Upgrading to Premium offers bank account linking, multiple wallets, and diverse report formats.

Ideal for: People who like planning ahead, saving money, and want bill reminder systems.

Pros and Cons

• ✓ Automatic expense prediction from past data
• ✓ Complete bill payment reminder system
• ✗ Takes time to learn for new users

3. Spendee Budget & Money Tracker – Smart Money Dashboard

Spendee offers a broad view of your finances, integrating bank accounts, e-wallets like PayPal, and even crypto wallets into one platform.

It automatically categorizes expenses and displays them with beautiful infographics, helping you see where your money has gone in no time. The Insights feature provides personalized spending advice.

Ideal for: People with multiple accounts, small businesses, or freelancers with multiple income streams.

Pros and Cons

• ✓ Connects multiple account types
• ✓ Beautiful, easy-to-understand interface
• ✗ Some premium features require subscription

4. MeowJot – Thai-Friendly Receipt Scanner

MeowJot is a Thai-specific income and expense app that uses OCR technology to scan transfer slips, QR codes, and receipts automatically.

Just take a photo, and MeowJot will extract the data, categorize it automatically. Perfect for Thais who frequently use PromptPay or bank transfers. It offers real-time recording and has a cute design.

Ideal for: Thai users seeking quick, automatic recording.

Pros and Cons

• ✓ Can scan Thai transfer slips via photo
• ✓ Cute design and icons for fun
• ✗ Cannot sync across devices yet

5. MeTang: Expense Manager – Voice Entry and Installment

MeTang caters to those who want quick, organized recording. You can use voice commands to log income and expenses; just speak, and it converts to entries automatically.

It features biometric protection with fingerprint, password, and Face ID. Ideal for Thais who want to track daily expenses efficiently, saving time and reducing typing effort.

Ideal for: Thai users in a hurry, seeking maximum convenience.

Pros and Cons

• ✓ Voice input available
• ✓ Simple, understandable interface
• ✗ Not suitable for investment tracking

6. Piggipo GO – All Your Credit Cards in One

Piggipo is designed specifically for credit card users, consolidating balances and transactions in one place.

Its Billbox system helps verify bills before payment, and reminder alerts notify you of due dates to avoid interest charges. It also displays graphs and can export data to Excel. VIP support is available for personalized assistance.

Ideal for: Users with multiple credit cards or those who want strict debt control.

Pros and Cons

• ✓ Payment due date alerts, no interest
• ✓ Specific credit card usage advice
• ✗ Limited currency options

7. Budge – Save and Plan with Your Form

Budge makes saving fun with a colorful interface. It understands that “expenses” aren’t bad if planned correctly.

You can set savings goals like travel, debt repayment, or emergency funds, and track progress daily, weekly, or monthly. Visual dashboards show achievements, and notifications help you stay on track.

Ideal for: Beginners saving money or family joint accounts.

Pros and Cons

• ✓ Easy-to-understand savings goals
• ✓ Multiple wallets supported
• ✗ Not available on iOS

8. Daak – Budget & Expense App – For Those Who Want Simplicity

Daak offers a simple approach to income and expense management, focusing on quick data entry: input numbers, select categories, and done—no complexity.

It supports recurring transactions and provides basic summaries with charts. Perfect for beginners or those who prefer minimal analysis.

Ideal for: New users or those seeking maximum simplicity.

Pros and Cons

• ✓ Very easy to use, no login required
• ✓ Supports recurring expenses
• ✗ No cloud sync

9. Oh My Cost – Simple, Fun, and Growing Wealth

Oh My Cost makes expense tracking enjoyable with over 500 cute icons, helping you remember categories quickly.

You can add notes for purchases, set monthly goals, and track progress. Multiple user accounts are available for personal or family use.

Ideal for: People who prefer basic tracking with a fun twist.

Pros and Cons

• ✓ Beautiful, diverse icons
• ✓ Simple interface
• ✗ No full currency support; not for large amounts

Quick Comparison Table of 2025 Income and Expense Apps

Summary Strategy for Saving Money

These 9 income and expense apps each have their own style—some are elite with detailed features, others are simple and cute. It depends on what you need.

The most important thing is to start recording consistently. The longer you use it, the more accurate and useful your data becomes. You can download these free apps for iOS and Android right now, choose the one that fits your spending style, or try a few to see which suits you best, as each app has its own unique features.