Which expense tracker app for Android is free?

All six apps here are free to download, but the limits differ. Money Manager's free version shows ads, Spendee's free plan allows one cash wallet and one budget, and Cashy's free plan allows 3 wallets and 3 loans. Check each app's listing for the current limits.

Do I need to connect my bank account to track expenses?

No. Monefy says no bank login is required, and Cashy never asks for one. Wallet and Spendee offer bank sync as an option, which saves typing but means sharing account access.

Which app is best for tracking money I lend or borrow?

Cashy has a dedicated loan feature for money lent and borrowed, with payments recorded against each loan. Most other apps here handle it through transfers or scheduled payments, so check the listing if loans matter to you.

Best Expense Tracker Apps for Android in 2026: 6 Compared

There is no single best expense tracker. The right one depends on whether you want bank sync, a budget, a clean ad-free screen, or a way to share spending with someone else.

This guide compares six Android apps using what each one says on its own Google Play page and website, checked on 10 November 2026. We make one of them, Cashy, so we are not neutral. To keep it fair, Cashy gets the same treatment as the others, including what it does not do. Where an app’s pages don’t say something, we say “not stated” instead of guessing.

The six apps at a glance

App	Play rating (reviews)	Installs	Ads on Play	Bank sync	Shared wallets	Loans
Money Manager Expense & Budget	4.6 (469K)	10M+	Contains ads	Not stated	Not stated	Through transfers
Wallet: Budget Expense Tracker	4.6 (389K)	10M+	None shown	Yes	Yes	Appear in reports
Spendee	4.0 (64K)	1M+	None shown	Yes	Paid plans	Scheduled payments
Monefy	4.0 (195K)	10M+	None shown	No	Partner sharing	Not stated
Spending Tracker	4.7 (65K)	1M+	Contains ads	Not stated	Not stated	Not stated
Cashy	48 ratings	1K+	None	No	Yes	Dedicated feature

“Not stated” means the app’s own pages don’t mention it, not that the feature is missing.

Money Manager Expense & Budget

Best for: people who want a long-established app with budgets and a large user base.

Money Manager, from Realbyte, is one of the most installed apps here at 10M+, with a 4.6 rating on Play. It supports budgets and recurring entries. The free version shows ads and limits you to 15 assets, and the paid version removes both. Its Play page doesn’t describe bank sync.

Wallet: Budget Expense Tracker

Best for: people who want bank connections and cloud features.

Wallet, by BudgetBakers, also has 10M+ installs and a 4.6 rating. Its Play page leans on bank connections, shared accounts and cloud sync, so it suits people who would rather import transactions than type them. Wallet’s own pricing page wasn’t available when we checked, so we can’t quote its prices.

Spendee

Best for: people who want bank sync and shared wallets and are happy to pay for them.

Spendee has a 4.0 rating on Play. Its free Basic plan allows one cash wallet and one budget. Plus costs $1.99 a month or $14.99 a year, and Premium costs $5.99 a month or $35.99 a year, according to Spendee’s pricing page. Shared wallets are on the paid plans, and the page says prices may differ by country.

Monefy

Best for: quick manual entry with no ads and no bank login.

Monefy has 10M+ installs and a 4.0 rating. Its FAQ says the app contains no ad SDKs, and its site says no bank login is needed and the core app is free. A paid upgrade unlocks unlimited accounts, recurring transactions and advanced filters. Monefy was last updated on Play in August 2026, a few months before our check, while most others here updated in October or November.

Spending Tracker

Best for: people who want a simple app with a high rating.

Spending Tracker, from MH Riley, has a 4.7 rating from about 65,000 reviews. The free version contains ads. PDF export and sync need the Pro upgrade, and its Play data safety section says it may collect location and app activity data and share it with third parties. Read that section before you decide.

Cashy

Best for: tracking loans and sharing a wallet, without ads.

Cashy is our app. It is Android only and has a small user base: 48 ratings at the time of writing. What it does:

Tracks money in several wallets and lets you invite someone to share one wallet.
Has a dedicated loan feature for money you lend and borrow, with payments recorded against each loan and a shareable receipt.
Exports a wallet report as a PDF and lets you attach a photo to a transaction.
Shows no ads and doesn’t ask for a bank login.
Free plan: 3 wallets, 3 loans, one other person in a shared wallet and one attachment per transaction. Pro lifts those limits.

What it does not do: there is no budget feature, no bill splitting, and no CSV export. It needs an internet connection to load and save, because your data syncs with your account.

Get Cashy on Google Play

Which one should you pick?

You want the most established app with budgets: Money Manager.
You would rather import transactions from your bank: Wallet or Spendee.
You want fast manual entry with no ads: Monefy.
You want a highly rated, simple app and accept ads: Spending Tracker.
You lend or borrow money, or share a wallet with a partner or family member: Cashy.

If you are not sure, try two free versions for a week each. Entering your real spending for a week shows which one you will actually keep using.