9 accounting apps to manage your accounts in 2025 that you should keep on your phone

Control Your Spending with the Free Income and Expense App of the New Era

Keeping a cash journal is becoming outdated. Nowadays, managing your money can be easily done through your mobile phone by simply downloading a free income and expense app designed specifically for Thais. Whether you use iOS or Android, you can use it instantly. We have compiled and tested 9 popular financial management apps of 2025 for you to choose from, with detailed analysis of their pros and cons.

Which Free Income and Expense App is the Best? Choose as You Like

If you need a tool to help manage your personal accounts, consider the following options carefully. Each app has its own strengths, depending on your spending style.

Table to help you decide which app to choose

Each Free Income and Expense App Has Its Benefits

Money Manager – All-in-One Financial Control

This app is suitable for those who want comprehensive financial tracking. It features PC Manager for web access, allowing you to easily separate bills and income/expenses by day, category, or account group. The graphs are well-organized, and balances are accurate.

It also supports linking debit cards for instant balance viewing, recurring transactions, and exporting to Google Drive or Excel easily. Security options include passwords and real-time statistics.

Pros: Supports Thai Baht and multiple currencies, allows bank and card linking, reports with graphs, most features are free.

Cons: Some features may require additional payment.

Money Lover – For Financial Planners

With 5 million users worldwide, Money Lover is designed for those who want clear accounts, recording income, expenses, bills, and debts all in one place. The system clearly shows where your money goes.

It also offers smart budgeting, predicting future expenses from past data, automatic recurring transactions, bill payment reminders, multi-currency management, and premium features like multiple wallets, detailed reports, and advanced bank linking.

Pros: Clear budgeting and expense categorization, accurate alerts, bank sync available.

Cons: The system may be complex for first-time users.

Spendee – Best for Families

Designed for family sharing, Spendee consolidates all account data from online banks, PayPal, crypto wallets, with automatic categorization and visual graphs. It’s very easy to see where your money is going, track each goal, and receive personal financial advice. Spendee truly acts as your financial advisor.

Pros: Supports multiple currencies and cards, family and personal accounts separate, bank sync automatic.

Cons: Some features require a subscription fee.

MeowJot – OCR Technology for Receipt Detection

Especially for Thais, this app uses OCR technology to scan transfer slips, QR codes, and receipts from photos. It automatically categorizes data. Just upload a slip, and it handles the rest. Perfect for PromptPay users and Thai banks.

It provides real-time expense tracking, with a modern timeline design. It supports slips from SCB, KBank, Krungsri.

Pros: Fast automatic receipt scanning, matches PromptPay well, stylish design for daily use.

Cons: No cross-platform sync yet.

MeTang – Voice Recording and Entry

MeTang aims for maximum accessibility using voice commands. Just speak, and it records instantly. It converts speech into income and expense entries. Supports multiple accounts (cash, deposits, cards), with various categories. Focuses on security with fingerprint, password, Face ID.

Pros: Customizable for Thailand, supports Thai language and Baht, simple interface, focused on regular tracking.

Cons: Not suitable for deep investments.

Piggipo GO – Credit Card Management

Piggipo is designed specifically for credit card users. It shows balances and transactions all in one place, calculates interest, manages daily payments, creates unlimited cards and wallets, tracks cashback, and has Billbox for bill verification before payment. Sends reminders to avoid late fees. Also allows attaching photos, viewing summaries in graphs, exporting to Excel without limits.

Pros: Payment reminders to avoid penalties, Excel export for analysis, clear card details.

Cons: Limited currency options.

Budge – Making Saving Fun

Budge makes saving money less stressful. Set goals, track categories, control budgets within limits. Colorful design, popular and cheerful. Allows daily, weekly, monthly tracking. Track specific goals like travel, debt repayment, emergency funds. Clear dashboards, personal alerts, multiple wallets suitable for individuals and families.

Pros: Easy goal setting and tracking, attractive design, supports multiple wallets.

Cons: No iOS version.

Daak – Simplicity is Power

Daak is for those who need only basic features. Record expenses in seconds, select categories easily. Suitable for beginners or those who prefer simple apps. Supports recurring transactions, expense summaries, customizable categories, weekly or monthly limits, no complicated login needed.

Pros: Very easy to use, recurring transactions, no login required.

Cons: No cloud sync.

Oh My Cost – Variety of Icons to Choose From

Oh My Cost makes recording income and expenses fun with over 500 icons. Efficiently track daily expenses, from coffee purchases to activities, in just a few clicks. Multiple user accounts, ideal for families. Set monthly expense goals, view progress, customize categories, add notes.

Pros: Export to Excel for analysis, clean interface, basic graphs.

Cons: Limited currency support.

Choose the Free Income and Expense App That Fits You

Any of these 9 apps can be downloaded and used for free at the basic level. Pick according to your needs.

If you want detailed tracking, start with Money Manager or Money Lover. For simple use, Daak or Oh My Cost are enough. If you frequently use credit cards, try Piggipo GO. If you prefer automation, try MeowJot. Remember, recording your income and expenses daily helps you see your savings potential and control your spending better. Download now!