I'm using Bluecoins. I remember trying a bunch of apps and while there were others with nicer look and feel, this one only asked for a one-time payment for me to unlock premium - key thing for me was allowing a lot of accounts coz I have a lot of trad and digital accounts. Easy enough to use and get used to thou so I'd still recommend.

I think i was told thou that it stopped working properly for ios a few months back, not sure if it was ever resolved.

Local app Money manager

Highly recommended ang FinnestPH App.

Maganda both ang UI at UX. If ayaw mo na nag-iinput manually ng mga interest income mo from your banks, nakaautomate na sya without connecting sa banks mo. All you have to do is, iset yung interest rate

Bluecoins

Okanemochi - Money Manager

https://apps.apple.com/jp/app/okanemochi-money-manager/id6695761026

I use YNAB. Is it the best one? I dunno, it’s the one I use. I feel like the best budgeting app is the app that you actually use.

YNAB (youneedabudget.com) is the top of the pack...or if you are comfortable with open source, you can run Actual Budget (like the older version of YNAB4) for much less money.

For a good intro to how it works, look up Nick True on YouTube (Mapped out Money used to be his channel name).

I’ve been getting by with an excel sheet and having formats to calculate my totals for the week, month, and categories.

My fam uses monarch. We tried the trial and now we pay for it.

use excel

Mint or YNAB are the most popular

I download all my transactions into google sheets and categorize them every month. I like being able to see years worth of spending habits this way. Works for me!

I like personal capital. It also lets you connect all investment accounts and loan accounts so you can see your overall net worth.

Your bank may have a tool.

I personally use "full view" (I think it's called) through Fidelity. You can link mortgage, credit cards, banks, etc. It then gives you a full view (hence the name) of your wealth, how it's spread out across types of accounts, and what your in/outflow of money is like. There's also a tab that lets you view transactions with multiple filters. It will attempt to automatically categorize your expenditures (and you can edit any that were wrong). It's nice to get the larger picture, but also be able to drill down and see the individual transactions and spending categories.

I'd start with Mint, it's free and does a good job of tracking spending. If that doesn't meet your needs, YNAB or Simplifi are good.

I write down a budget, then stick to it. Unless ni emergency, I rarely spend more than I've budgeted for. Interestingly, I prefer writing the budget on a physical notebook rather than kwa simu.

I have a budget for business expenses and consumption ya nyumba.

I Made An Mpesa Statement Analyzer For Myself. I Just Upload My Statements As PDFs And It’s Categorizes All My Spending And Which Items Take Up Most Of My $$$.

Excel/Sheets

I don’t track expenses

YNAB. The way it handles credit cards is brilliant.

The Income & Expense Tracker from Asset AFC is super easy to use and helps you stay on top of your finances. You can view all your income and expenses in one place, with clear monthly and yearly charts. Perfect for staying organized and understanding exactly where your money goes!

https://assetafc.etsy.com/listing/1800340775

Monarch Money is the best one I have found.

If you are seeking an app to track credit card purchases and everyday expenses, then Habit Money is your go-to solution. It provides an easy, hassle-free method to monitor your spending without using spreadsheets. Habit Money is designed to simplify expense tracking, whereby you can categorize expenses, set financial goals, and track your progress with specified effort.

Google sheets

Make a diary and then write your daily expenses 

I use a plan excel sheet, one sheet for one month, print it out and write it...

Beyond budget

Money manager Best app as per my experience.

I used Mint, YNAB previously. I'm really liking Personal Capital right now

I use Mint instead of ynab because it is free

There are many, especially if you want to manually enter each transaction. The Play or App Store will have multiple results under “spending tracker” or “budgeting”. Depending on your country there may be options like Mint or YNAB that link to your bank and charge cards too

Mint has been a great way to do this exactly!

“You need a budget”

Bluecoins tiene una opción que puede leer los mensajes SMS que envía el banco por cada transacción (si tú lo apruebas) y ahí ya va contabilizando gasto / ingreso / transferencia de cada cosa. Sirve mucho si pagas casi todo con tarjeta débito y no efectivo

Yo lo que hago es pago todo con la tarjeta de crédito a una cuota. Ahí me queda prácticamente todo el detalle sin hacer esfuerzo.

Alguien acá menciono Cashew hace poco y me gustó, me cambié de moneylover a Cashew porque en mi opinión el UI y la navegación es mejor.

Hay una que se llama MonAi. No la uso pero la recomiendan bastante. Tiene AI.

Gnucash o o cualquier otro que soporte contabilidad de doble entrada, ese modelo para entender que entra que sale y como se mueve el dinero es muy útil (ligeramente más complejo que agregar el ingreso o gasto y ya pero vale la pena entenderlo y usarlo)

Money Manager. Very intuitive, has everything I need.

Google excel

Libre Calc

Pen&Paper

Try WealthPosition really good for customized dashboard, short and long term finance planning, customizing to your own requirement, budget planning, managing multiple accounts, and tracking all incomes, expense, assets, liability from one place and see financial picture now and into the future up to retirement and beyond in one or multiple currency, and works any where in the world.