Top Spending Tracker Apps 2018

You know what they say; money makes the world go around, and never a truer word has been spoken.

Nowadays, everything revolves around money, whether you’re buying food, using electricity and water or going to a theme park. With this in mind, it’s easy to see why money management skills are so important, yet most of us lack them dramatically, and it’s causing us problems in our lives.

However, we can easily resolve these financial troubles by taking back control of spending and getting our affairs in order. And one of the best ways to do this I hear you ask; using a spending tracker app.

What is a Spending Tracker App?

In short, a spending tracker app is a piece of software, or an app, that you can install onto your mobile device to help you manage and control your current spending habits. There are loads of different types to choose from, each application representing its own niche and approach to helping you control your money.

By using a spending tracker app, you can see where every single penny or cent is being spent, allowing you to know where to cut back, what you shouldn’t be spending and where you can save.

Why Do We Need a Spending Tracker App?

Using any kind of spending tracker app has so many advantages, it’s hard to know where to begin. Let’s say that you’re trying to pay off a credit card, but you seem to be stuck in a financial loop.

By implementing a spending tracker app into your life, you can see exactly where you’re spending so you can cut back on things you don’t need, giving you extra money to pay your card off.

This same concept and approach can then be applied to areas of finance, whether you’re trying to boost and enhance your credit rating, build up your savings, or saving to buy something that you’ve wanted for a long time.

Top 5 Spending Tracking Apps

So, where can you get started when it comes to choosing the perfect spending tracker app to suit you. We’ve searched high and low throughout the tracking app market to find the best of the best. Today, we’re going to share with you our top five, so you can see exactly what there is on offer,

#1 - BillGuard

Heading up our top five list we have BilGuard. With the rise of mobile banking where you can check your balance, make payments, manage emails and even use contactless payments, you need to stay in control. With BillGuard, simply input your financial spending and monitoring your expenses using the highly visual user interface.


  • Real-time credit card monitoring and identify theft insurance
  • Free access to credit score and device location
  • Data breach alert notifications.

Price - Free / $83.88 per year

Compatibility - iOS/Android

Download Link

Spending Tracker App - #1 - BillGuard

#2 - PocketGuard

This is a self-proclaimed all-in-one bank account tracking and budget management app. There is a comprehensive range of features to show you how much money you have in your bank account and whereabouts you’re spending your money, which can be easily viewed in a report view.


  • Automatically organise spending into bills, entertainment, purchases
  • Automatic estimates of what you can spend
  • See all transactions made to your bank account

Price - Free

Compatibility - Android / iOS

Download Link- Android / iOS

Spending Tracker App - #2 - PocketGuard

#3 - Home Budget with Sync

This Android-only spending tracker app has a primary focus on managing your budget in a clear, easy to understand and manageable way. One of the best aspects of the app is the Family Sharing features, allowing everybody in your house to come together to motivate and inspire each other to control your finances.


  • Highly visual way to manage money
  • Unique Family Sharing feature
  • Automatic financial forecasts
  • Quick Summary page

Price - $4.99

Compatibility - Android / iOS

Download Link - Android / iOS

Spending Tracker App - #3 - Home Budget with Sync

#4 - Clarity Money

One of the highest rated spending tracker apps on both Android and iOS device, Clarity Money provides you with a very visual approach to managing your money while giving you the opportunity to plan, manage, review and control the spending in your everyday life.


  • Passcode protection finances
  • Create a savings plan feature
  • Clean, regularly updated dashboard

Price - Free

Compatibility - Android / iOS

Download Link - Android / iOS

Spending Tracker App - #4 - Clarity Money

#5 - Fudget

Finally, to conclude our list of our top five spending tracker apps, we come to Fudget. Whereas most finance apps try to include as many features as they can, Fudget has dedicated itself to providing you with an easy and simple approach that makes managing your spending easy.


  • Easy to add transactions
  • Multiple entry options
  • Easy to see available balance

Price - Free

Compatibility - Android / iOS

Download Link - Android / iOS

Spending Tracker App - #5 - Fudget

Spyzie - The Best Tracker App for Android and iPhone

As you can see, there is a huge variety of spending tracker apps that can help you to manage and take back control of your finances. However, we’ve chosen to Spyzie to be our number one app which may surprise some of you, but there’s method in the madness.

As mentioned in the introduction, we spend a huge amount of time on our mobile devices, more and more so that we do desktop computers. With this in mind, consider how much time you actually spend using your phone to make purchases, whether it’s on eCommerce sites like Amazon, or even just playing games in your app store.

All these purchases can add up, and it can even make up the bulk of what you’re spending so it’s vital that you take control of this form of spending, so you can save, build your credit rating or stop living paycheck to paycheck.

Using a mobile monitoring service like Spyzie is a great way to record and keep track of all the websites you visit and payments you make so you can see exactly what you’re spending and how to cut back.

The Best Tracker App for Android and iPhone

It’s easy to see that there are many options available to you when it comes to managing your finances, it simply depends on what works best for you. Since Spyzie is our number one spending tracker app, be aware you can sign up for a free trial today, so you can try out its amazing benefits for yourself!

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Reminders: All apps or tools introduced in this article shall be for legal use only. Please follow the Terms & Use and End User License Agreement (EULA) before trying any of them. Any consequences of improper use should be borne by users.
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