5 Best Budgeting Apps to Save Money in Singapore

Managing money used to mean relying on spreadsheets and paper receipts. Today, with the rising cost of living in Singapore, digital tools have become a must. From rent and groceries to transport and lifestyle spending, tracking your expenses is one of the simplest ways to stay in control and avoid overspending.

Budgeting apps have evolved into essential financial planning tools. They help you monitor your spending in real time, set savings goals, and make better decisions without the guesswork. According to a study by Prudential, more than four in five Singaporeans say they are skilled at using mobile banking apps, and 70%feel confident using financial management apps.

In this guide, we’ll walk through five of the most popular budgeting apps that can help you save money, build healthy habits, and manage your finances more confidently in 2025.

Dobin

Dobin is a Singapore-based budgeting app that connects securely to your bank accounts and credit cards to give you a real-time view of your spending habits. Its AI-powered dashboard automatically categorizes your transactions, helping you understand where your money goes and how you can save more each month.

By showing spending patterns and suggesting cost-cutting opportunities, Dobin encourages smarter financial behavior without needing manual input. It also integrates with Singapore banks and rewards you for making sustainable financial choices.

Key Features

• Connects directly to local bank accounts and cards

• AI-powered spending breakdown and trends

• Visual dashboards for cash flow and savings goals

• Personalized insights based on your habits

• EcoSpend tracker for sustainable spending behavior

• In-app rewards for hitting goals or making eco-friendly choices

Pros and Cons

Pros

• Clean, intuitive interface

• Strong security and privacy features

• Automated categorization saves time

• Useful for goal setting and expense planning

Cons

• Limited customization for categories

• May have occasional syncing delays with some banks

• More useful for individual users than joint budgets

App Store Rating

⭐ 4.6 out of 5

Google Play Store Rating

⭐ 4.4 out of 5

Planner Bee

Planner Bee is an all-in-one financial planning app built specifically for users in Singapore. It helps you manage your budget, track expenses, and get a consolidated view of your net worth. What sets it apart is its ability to integrate data from your bank accounts, insurance policies, and investments making it a complete personal finance tracker.

By showing the big picture of your finances in one place, Planner Bee makes it easier to identify areas where you can save, cut unnecessary costs, and plan better for the future.

Key Features

• Syncs with major Singapore banks and investment platforms

• Tracks bank balances, credit cards, insurance, and investments

• Offers monthly cash flow breakdowns and budgeting tools

• Visual net worth tracking and growth summaries

• Reminders for bills, policies, and renewals

• Built-in budgeting templates for beginners

Pros and Cons

Pros

• Holistic financial overview in one app

• Insurance and investment tracking not common in other apps

• Built for Singapore users with local context

• User-friendly onboarding for beginners

Cons

• Some users report slow syncing for investment data

• Limited export options for financial reports

• No desktop version currently available

App Store Rating

⭐ 4.5 out of 5

Google Play Store Rating

⭐ 4.2 out of 5

Spendee

Spendee is a visually driven budgeting app that helps you track daily expenses, plan budgets, and manage both personal and shared finances. It’s great for users who want a more colorful, customizable way to understand their spending. While not Singapore-specific, it supports multi-currency accounts and works well with international banks and wallets.

For users in Singapore who travel often or manage group budgets (like with roommates or partners), Spendee’s shared wallet feature and easy categorization make it a helpful money-saving tool.

Key Features

• Manual or automatic expense tracking with bank sync

• Shared wallets for couples, families, or group travel

• Custom categories and color-coded budgeting visuals

• Daily, weekly, and monthly budget reminders

• Multi-currency support for overseas spending

• Real-time insights into spending trends

Pros and Cons

Pros

• Beautiful, user-friendly interface

• Good for managing joint or family budgets

• Works across countries and currencies

• Helpful charts and visuals for financial goals

Cons

• Bank syncing may not support all local institutions

• Some premium features require a paid upgrade

• Less localized than Singapore-specific apps

App Store Rating

⭐ 4.7 out of 5

Google Play Store Rating

⭐ 4.3 out of 5

Wally

Wally is a personal finance app designed to give users full control over their budgets and long-term money goals. It allows you to track expenses, create savings plans, and understand your overall financial health through clear, data-rich dashboards. While it’s a global app, it offers currency and account syncing options that make it usable for Singapore-based users.

Wally stands out for its flexibility and depth, making it a good fit for users who want a more detailed breakdown of their income, spending, and net worth over time.

Key Features

• Supports account syncing, manual entry, and custom categories

• Tracks daily expenses, savings, and future financial goals

• Forecasting tools to project future budgets

• Multi-currency and global account compatibility

• Visual financial timeline and real-time syncing across devices

• Option to upload receipts and attach notes to expenses

Pros and Cons

Pros

• Strong focus on long-term financial planning

• Flexible input options and customizable categories

• Real-time insights across multiple devices

• Offers privacy-first features without mandatory bank linking

Cons

• Requires manual setup for full personalization

• Some advanced features are only available with the paid version

• Not tailored specifically for Singapore-based financial institutions

App Store Rating

⭐ 4.5 out of 5

Google Play Store Rating

⭐ 4.1 out of 5

YNAB (You Need A Budget)

YNAB is a premium budgeting app built around a proven system that encourages users to give every dollar a job. Unlike other apps that focus mostly on tracking past expenses, YNAB helps you plan future spending and stick to intentional goals. It’s ideal for users who want to take full control of their finances and break the cycle of living paycheck to paycheck.

While not made specifically for Singapore, YNAB’s flexibility, education-focused approach, and proactive budgeting method have earned it a loyal global user base.

Key Features

• Zero-based budgeting system that assigns purpose to every dollar

• Syncs with bank accounts or allows manual transaction entry

• Real-time budget adjustments and reporting

• Goal-setting tools for savings, debt, and future spending

• Built-in educational resources and webinars

• Secure multi-device syncing

Pros and Cons

Pros

• Encourages strong financial discipline and habit-building

• Very detailed budget customization and control

• Helps users save more and reduce debt consistently

• Active support community and tutorials for new users

Cons

• Requires a monthly or annual subscription

• Learning curve may be steep for beginners

• Not optimized for Singapore-specific bank syncing

App Store Rating

⭐ 4.8 out of 5

Google Play Store Rating

⭐ 4.6 out of 5

Tips to Keep Track of Your Personal Finances

Staying on top of your money doesn't require drastic changes. A few simple habits can go a long way in helping you stay in control and hit your savings goals faster.

Tip 1: Set a Weekly Money Check-In

Block out 15 minutes every week to review your spending. Use this time to categorize expenses, spot any surprise charges, and adjust your budget if needed. Consistency builds awareness and that awareness helps prevent overspending.

Tip 2: Automate Your Savings

Treat your savings like a bill. Set up an automatic transfer to your savings account every payday, even if it's just a small amount. This makes saving a priority instead of an afterthought.

Tip 3: Use Separate Accounts for Spending and Bills

Having one account for fixed expenses (like rent and utilities) and another for daily spending can prevent you from dipping into funds meant for essentials. It also makes it easier to see how much you truly have left to spend.

Looking for more practical ways to stretch your budget? Explore additional savings strategies in our guide: Quick Hacks to Save Money in Singapore.

Better budgets with the Circles.Life App

The Circles.Life app is more than just a mobile service dashboard. It’s designed to help users take control of their telco spending with full transparency, personalized usage insights, and easy plan management. For budget-conscious users, the app acts as a financial companion that keeps your mobile bills predictable and under control.

Key Features

• Real-time data and usage tracking

• Easy plan upgrades, add-ons, and top-ups within the app

• Bill history and payment tracking

• Notifications for nearing data limits

• Access to CirclesAI and lifestyle perks

• Redeemable rewards and vouchers from partners

How It Encourages Smarter Spending

With instant insights into how much data, talk time, and roaming you’ve used, the Circles.Life app helps you avoid overage charges and plan more efficiently. Instead of paying for what you don’t need, you can customize your usage or downgrade anytime. It also promotes accountability by showing how your habits affect your monthly bill, making it easier to set limits and stick to them.

🎯 Download the Circles.Life app today to take control of your telco spending and reduce bill shock. Available on the App Store and Google Play.

FAQs

I already use my banking app to check spending. Do I still need these apps?

Banking apps are great for checking your balance and recent transactions, but they usually stop there. Budgeting apps go further by categorizing your expenses, tracking financial goals, and helping you build better money habits. They give you a clearer overview of where your money goes and how to manage it more effectively.

What if my partner or family and I share expenses? Can these apps track joint budgets?

Yes, some apps support shared budgeting. For example, Spendee and Wally let you create shared wallets so you and your partner or family can track expenses together. This makes it easier to manage household budgets, shared bills, and savings goals without confusion.

Is there a budgeting app that also gives you rewards or cashback?

Dobin is one option that rewards users for making smart money choices. It uses AI to suggest improvements in your spending habits and offers incentives like eco-friendly badges and points. Some apps also partner with cashback platforms to offer additional savings.

The Circles.Life app is for telco. How does it help in budgeting?

The Circles.Life app gives you real-time control over your mobile usage and expenses. You can monitor your data, manage your plan, and avoid bill shocks by keeping tabs on everything in one place. By removing guesswork and surprise fees, it supports better monthly budgeting.