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

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. 

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.

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. 

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. 

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.

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. 

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. 

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. 

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. 

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.