Best Expense Tracker Apps in 2025

Keeping track of expenses can be tricky, especially when running a business. With making so many necessary payments and purchases for your business, you can quickly lose track of paper receipts.

Hoarding papers to enter the data into your computer later manually takes up a lot of time and effort. That’s where expense tracker apps come to save the day, as they're the best and quickest way to stay on top of your finances.

In this article, you'll learn all about expense tracker apps and how they can help you keep on top of your business expenses, and we'll introduce you to the best expense tracker apps on the market.

Provider	Score	Details
1. QuickBooks	★★★★★	Learn more
2. Zoho Expense	★★★★★	Learn more
3. FreshBooks	★★★★★	Learn more
4. Expensify	★★★★★	Learn more
5. Rydoo	★★★★★	Learn more
6. Mint	★★★★★	Learn more
7. Shoeboxed	★★★★★	Learn more
8. Everlance	★★★★★	Learn more
9. Emburse Certify	★★★★★	Learn more
10. Personal Capital: Empower Personal Wealth	★★★★★	Learn more
11. SAP Concur	★★★★★	Learn more

What Is an Expense Tracker App?

An expense tracker app is accounting software that allows you to monitor your expenses across various bank accounts, investment, and credit card accounts.

Depending on how advanced the expense tracker app is, you may be able to do more than just expense tracking like credit monitoring, expense reports, expense categorising, mileage tracking, receipt monitoring and more.

A tracker can help separate business expenses from personal expenses. Expense tracker apps are designed to save time and manage expenses by streamlining the process. The best expense tracker apps will act as a full-featured investment manager. Or, at the very least, it will allow app integrations so you can keep control of all your accounts in one place.

How much does an expense tracker app cost? There is no signal answer as each platform will have its own plan. Some will have an annual fee, and others have different plans depending on your needs. Anyone can use expense tracking apps to track expenses, from small business owners to the average Joe looking to take control of their finances.

Expense Tracker App Pros and Cons

Expense tracker apps have all sorts of features and uses. With our pros and cons lists, you can determine if an expense tracker will work for you.

Pros	Cons
✔️ Free trial: Most expense tracking apps offer a free trial, allowing you to test compatibility before committing.	❌ Subscription plans can be expensive: Premium versions of expense tracking apps can cost up to £50 monthly, though many offer free trials.
✔️ Easy access: Cloud storage keeps data accessible across devices, with apps available for smartphones and sometimes desktops.	❌ Data input isn’t perfect: Errors can occur despite thorough expense scanning, necessitating double-checking.
✔️ Minimal manual intervention: Automates expense management, eliminating manual data entry and receipt handling.	❌ Limited uploads: Some apps restrict monthly receipt uploads, requiring upgrading for more capacity.
✔️ Saves time: Digitizes expense reporting, expediting reimbursement processing and reducing administrative workload.
✔️ Easy expense reporting: Simplifies reporting with features like receipt scanning and automatic expense categorization.
✔️ Custom reports and notifications: Provides cash flow reports and task reminders, enhancing financial oversight.
✔️ App integrations: Integrates with accounting software for streamlined data transfer and reporting.
✔️ Free apps: Some apps offer robust budgeting and expense tracking features without a cost, making expense management accessible.

Best Expense Tracker Apps — Reviews

We've compiled a list of 11 best expense tracker apps. Let's dive right in.

1. QuickBooks

If you're looking for an expense tracker that has it all, consider Quickbooks, a full account software with advanced expense tracking features.

You can sync your bank, credit card, and other online accounts to your QuickBooks account to import all data. You can use a free 30-day trial before committing to a subscription to see if this accounting software fits you.

You have the choice of different tiers of subscriptions. Each plan has a description of who it is best suited for. For example, if you work for yourself, you'll benefit from the QuickBooks Sole-Trader plan for £5 a month for six months, then the price changes to £10 per month. (Note: Visit them through our link to get 90% off for 7 months)

If you're a small business owner who needs to manage VAT and Income Tax, you can benefit most from the Simple Start plan. QuickBooks is ideal for tracking expenses no matter what level you or your business is at.

A special benefit for accountants and bookkeepers is that they can use QuickBooks for free and get 60% off clients' subscriptions.

You can take photos of your receipts with the built-in photo tool to help track spending habits and keep on top of your financial accounts. You can also send and track invoices in multiple currencies. There are over 300 app integrations, such as inventory management and advanced CRM.

Additional accounting software features include unlimited reports-only and time-tracking users, unlimited invoicing, a built-in clash follow statement, automated recurring expenses and up to 40 tag groups for expenses. You are only allowed a maximum of 25 unique users and reimbursements can only occur through payroll, which is an additional £2.50+ per month.

2. Zoho Expense

With the Zoho Expense tracker app, you can choose from a range of plans, including a free plan with a basic version of the app.

However, the free version limits you to only three users. With the premium plan costing £6, you'll gain access to all features available. You can take advantage of a free demo before you sign up to make the most of this accounting platform.

As well as tracking expenses, Zoho Expense doubles as a travel management and budgeting app. So you can see your cash flow, and your employees can submit their expenses on the go to simplify approvals. There are purchase requests to stay on top of pre-approved spending, while direct deposit reimbursements keep your employees happy.

Zoho Expense has advanced customisation options and custom expense rules you can alter to your business needs. This software is easy to use and integrates with all major accounting solutions and over 30 apps.

Zoho uses all the expense data to create more than 25 reports based on your spending, credit card and other transactions. This expense tracker app is ideal for small businesses or freelancers.

3. FreshBooks

Expense tracking is more accessible with FreshBooks, the accounting software built for business owners and accountants. This app has easy-to-use account and bookkeeping features, making tracking your expenses more manageable.

Connecting your credit card and bank accounts updates your expenses in real-time. You can categorise expenses into 14 different categories and 40 expense subcategories to keep your expenses and transactions organised in a way that suits you best.

A great feature of this software is the invoicing capabilities if you're a freelancer or the person in charge of ensuring you're paid for your services. FreshBooks offers an easy-to-use system that helps you with invoicing.

You can mark an expense as billable, the software will pull it directly into an invoice for clients, and then you can send out automated payment reminders until the invoice is paid. You can add unlimited billable clients, so you don't have to lose track of who you need to send or receive money.

FreeBooks allows free accountant access; you don't need to pay for them as additional members. However, you may need to pay £10 monthly for other team members. Depending on your chosen plan, you can access helpful project management tools, estimate and proposal features, and even business health reports.

4. Expensify

With the Expensify expense management app free plan, as a business, you can benefit from free Expensify Cards for your whole team, reimburse cash, chat with colleagues, send invoices, and pay bills.

Although the free plan is the basic software version, you still get a lot when you use the Expensify Card. You can get a discount. There are two paid plans you can opt for if you wish to utilise more features such as smart limits, accounting sync, expense approval, access control, custom reports, expense policies, and more.

If you're seeking help with personal finance or are self-employed, additional free plans allow up to 25 monthly receipt scans. Paid plans for individuals are £3.99 per month.

If your main goal is to keep track of your recipes, this app is ideal because it automatically scans, reads, and imports receipt details for you, even if it's in a foreign currency. You can categorise, group, and tag expenses into a report.

This expense tracker also has tax-tracking capabilities and automatic mileage tracking using GPS. You can integrate apps like Xero, NetSuite, and more.

The most loved Expensify feature is the next-day reimbursement feature, so if your employees are making purchases on behalf of the business, they won't have to wait too long before they get their money back.

5. Rydoo

With Rydoo, you can approve or deny expenses from the app on your smartphone or set rules to automate the approval flow.

With this expense management app, you can streamline reimbursement cycles, expense tracking in real-time, and track tax deductions and more.

You can snap pictures on the go of your receipts and upload them to the app straight away, so you don't have to keep a hold of them.

You can export reports to PDF and Excel, reconcile card transactions, set up policies and spending rules, and create customisable fields and a custom bank transactions feed. With smart technology, Rydoo can detect duplicate expenses and calculate Auto VAT. You can track your expenses seamlessly with over 35 app integrations.

You can only submit a maximum of 15 pages for PDFs or receipts at a time, so try scanning as you go to save having to do a lot in one go. Rydoo supports multi-currency transactions, and you can track mileage expenses too.

6. Mint

If you're looking for an expense tracker app for your own personal finances, then Mint by Intuit may be what you need. It allows you to monitor all your accounts in one place, helps you set savings goals and keep track of your credit and investments.

This app lets you organise your personal finances, save smart with custom budgets and can be integrated with most bank accounts.

Avoid late fees with app notifications that remind you of upcoming bill due dates. You'll even be notified when your bank account balance is running low or if you're close to your credit card limit. Although this is not a paid app, you can subscribe to Mintsights, which provides insights into spending habits and get advice from a financial professional.

You can also keep track of your credit score and credit balance from the app, so you can work towards improving your credit report with the help of Mint. Mint will help you calculate your net worth and help you set financial goals. Setting up your account takes a little while, but once you have, you can enjoy the free app and start taking control of your finances.

7. Shoeboxed

Receipt scanning is what Shoeboxed does best.

There are multiple options for transferring your paper receipts into digital data. You can fill a ShoeBoxed Magic Envelope full of receipts, paper clutter, business cards and any other essential documents, drop it in the mail, and watch it transform into accessible digital data.

You can capture expenses on the go from anywhere in the world, as the app will accurately and automatically track mileage using your phone's built-in GPS. If you keep your essential data in your inbox, you can auto-import data and receipts from Gmail to Shoeboxed, so you'll never lose another receipt in your inbox again.

You may be inundated with business cards once you've been networking, which can be overwhelming. With the help of Shoeboxed, you can turn business cards into powerful online contact lists. You'll then have a valuable database of your contacts that you can easily access.

You can create comprehensive expense reports from your smartphone and the web with a few clicks and send messages with receipt images from anywhere. If you already use tools like Xero and Quickbooks, these tools can be integrated with Shoeboxed with the Professional and Business subscription plans.

8. Everlance

The Everlance app automatically tracks mileage and manages expenses.

With Everlance, there is automatic trip detection, manual GPS-based trip tracking, manual trip creation, and more. You can choose from a business or freelance. You can have unlimited users, and reports are downloadable.

Even with the free plan, you can benefit from unlimited receipt uploads which is ideal if you deal with many purchases. You can sync accounts so you can track your credit card spending automatically. A great feature of this app is the tax deduction finder. The app scans all your expenses and creates a list of expenses you can deduct from your tax.

Everlance offers compliance and risk management, reimbursement services, and integrated expense reporting.

9. Emburse Certify

The Emburse Certify platform helps with tracking spending and accounts payable automation. Before starting a subscription plan, you can test the waters with a demo to learn how to maximise the platform to help with spending management.

Emburse Certify features built-in policy control, automatic report creation, and streamlined approvals like other expense tracker apps on our list. Your employees can spend based on preset guides, so you don't have to waste time reviewing expenses.

A significant benefit of Emburse Certify is the ability to issue virtual cards for expenses eliminating the need for employees to make purchases with their own money. It also prevents any waiting time for reimbursements.

Certify automatically categorises receipt data by extracting up to 15 expense fields and remembers which businesses you've categorised, so if you use that vendor again, it will automatically fill that data into the correct category.

This tracker app supports over 140 currencies and 64 languages, allows multiple user roles, and gives you access to unlimited cloud receipt storage.

10. Personal Capital: Empower Personal Wealth

Personal Capital recently rebranded to Empower.

With their new rebranding to Empower, they've revamped their free tools to help you manage investments. Empower is a personal finance and wealth management company. The free app gives you a clear overview of your financial health.

If you're seeking help with tax deductions, this platform offers strategies to lower your tax burden. You can utilise investment tools and expense categorisation, which helps you stack on track with upcoming bills and expenses.

This platform includes reporting tools that allow you to view your asset allocation and track the performances of your investments. Empower's recession simulator shows how your investments would have performed in historical recessions.

11. SAP Concur

With SAP Concur, you can submit expenses from anywhere, automate and integrate your AP processes for invoicing, and capture travel no matter where it's booked. Concur allows businesses to automate, connect, and simplify their expense process.

Before you commit, you participate in an interactive demo to introduce yourself to the system, and price plans are personalised to the business's needs. You can request a quote from them before you commit.

Concur's cloud-based expense software lets you and your employees capture receipts and submit claims in real-time. You won't need to worry about lost receipts or manual expense reporting. You'll be able to see all your expense data in one place.

You can configure settings based on your needs and easily enforce spending policies. SAP Concur has different elements depending on your needs beyond managing expenses: Concur Expense, Concur Invoice, and Concur Travel. 

Best Expense Tracker Apps: The Verdict

With the best expense tracker apps from our list, you can track expenses seamlessly from the comfort of your smartphone. Gone are the days of saving all your receipts to keep track of your cash flow. You can manage costs from your mobile device. Expense tracker apps take care of your receipts, so you don't have to.

So, once you've chosen the most suited app from our best tracker apps, you can begin managing expenses and save time from manually inputting data. You can use more than one app if you wish; with the power of integration, you can control your finances from one app.

It's nice to have features that work in your favour, and all the apps in our list can make invoicing, mile tracking, and report creating a whole lot easier. All the apps mentioned in this article are available in the app store.