Best personal expense manager apps, compared

Splitkaro

That’s us

Spending that tracks itself

Card and bank feeds bring transactions in, and bank text alerts do too if your bank sends them
PDF statement import, receipt scanning (3 a month free), and CSV export of your data
Free unlimited expenses and free overall analytics
Set a recurring expense once and it is created for you every month
Personal, couple, business and group money, all in one app

No budgets, goals or net worth
Card and bank feeds via Plaid are still in beta
Custom categories and expense search are Premium
No web app beyond view-only shared links

Monarch

A complete household picture

Banks, cards, loans and investments in one view
Budgets, savings goals and net worth
A partner joins at no extra cost
Full web app as well as phone apps

No free tier after the trial
Does not split a bill or track who owes whom

Monarch vs Splitkaro, in detail

Rocket Money

Getting money back, for free

Budgeting, subscription tracking and bill reminders are all free
Finds subscriptions you forgot and cancels them on Premium
Negotiates bills down for a share of the savings

Credit score and custom budget categories need Premium
Bill negotiation takes a cut of whatever it saves you
No expense splitting

Rocket Money vs Splitkaro, in detail

Monefy

Manual entry, on your own cloud

Two taps to record a spend
Backs up to your own Google Drive or Dropbox, not a company server
150+ currencies, converted automatically

No bank connection at all, statements import by hand
Recurring transactions are premium
No splitting or shared groups

Monefy vs Splitkaro, in detail

Which one should you actually pick?

If you want one place for all your moneySplitkaroIt tracks your own money like the others, and covers couple, business and group finances as well.

If you want one dashboardMonarch (paid)Every account, budgets, goals and net worth, on web and phone. The fullest household dashboard here, and the only one with no free tier.

If you want to pay nothingRocket MoneyThe free tier really does cover budgeting and bills, and it claws back forgotten subscriptions.

If you distrust bank connectionsMonefyIt never touches your bank. The data is yours, in your own Drive or Dropbox.

Questions, answered

What is the best personal expense manager?

It depends on which job you are hiring it for. Splitkaro if you want every kind of money in one place, personal, couple, business and anything split with other people. Monarch if you want one paid dashboard over every account. Rocket Money for the strongest free tier. Monefy if you would rather your bank was never connected at all.

Which expense manager is free?

Rocket Money, Monefy and Splitkaro all have real free tiers. Monarch is a paid subscription with a 7-day trial.

Do any of them split expenses between people?

Only Splitkaro. Monarch lets a partner see the same budget, which is not the same as splitting one bill several ways and tracking the balance.

Which is best after Mint shut down?

Monarch is the closest replacement on features and Rocket Money is a good free option. We compare that move in more detail on our Mint alternatives page. See the Mint alternatives →

The best personal expense manager apps, compared.

The short answer