Admit it: money management isn’t easy. Sometimes, no matter how hard you save money or maintain a budget, you still end up spending money after a few months. Whether it’s an emergency, a night out with friends, or a flash sale you can’t resist, the temptation to spend your hard-earned cash will always find ways to drain your wallet.
It’s frustrating, especially if you’re trying to achieve a personal financial goal. So if you’re having a hard time practicing discipline and perseverance, your smartphone could help you out. How? By downloading the following best budgeting apps in the Philippines. Save up, maintain a budget, and make 2021 your best financial year with these thrifty budget apps.
Best Budgeting Apps in the Philippines 2021
Your Banking App
Before you even download these budget apps, you should install your bank’s official banking app first. The first step to money management is knowing how much money you really have. Knowing how much you can save and spend gives you a holistic view of your finances. Installing them also allows you to perform banking transactions right from your phone.
Whether you want to budget, save, or invest, get you a money app that does it all. GCash allows you to do all of that and more. You can deposit your money to your GCash wallet, open a digital GSave account with no maintaining balance, and start investing for as low as PHP 50. You can also do basic transactions like sending and receiving money, paying bills, and shopping online. GCash is definitely one of the best budgeting apps in the Philippines at the moment.
If you’re looking for another mobile wallet, give the PayMaya app a try. Aside from having the usual features finance apps have, PayMaya allows you to use a virtual card for all your online transactions. Now you don’t have to use your debit or credit card when you’re shopping online. Just use your PayMaya virtual card and you’re good to go.
Coins.PH is also a mobile wallet app. But out of all the money apps on this list, this app allows you to buy and sell bitcoins and other cryptocurrency. So if you’re looking to try new investments this 2021, make sure to download the Coins.PH app right away. You can also do basic transactions in the app like sending money, paying bills, and even donate to charity.
Freelancers know how beneficial it is to have the PayPal app on their phone. Apart from tracking incoming finances, it also allows users to send money without having to use a laptop or desktop computer. It also notifies users once they receive funds in their account. PayPal is definitely one of the best budgeting apps in the Philippines for freelancers and online entrepreneurs. You can transfer funds from your PayPal wallet to your GCash wallet for free and in real time, which makes it one of the best finance apps out there.
Have you ever checked your bank account and wondered where all your money went? Stop living paycheck to paycheck and smarten up by tracking your transactions with Money Lover. This free budget tracker can help you fix your spending habits to ensure that no peso goes to waste. It can also help you plan budgets, forecast future expenses, and manage your bills.
You Need a Budget
You Need a Budget is the perfect budget tracker app for individuals who really need to keep a budget. As its name implies, this free budget app helps users take control of their finances with features such as Bank Syncing, Debt Paydown, and Goal Tracking. It’s an all-in-one money management app designed to help you get out of debt and save more money.
There’s no need to list down your everyday expenses once you download Daily Expenses. Designed to organize your income and expenses, this application allows users to record their money movements by date and view them in weekly, monthly, or yearly reports. This simple budget app is perfect for busy individuals who wish to be smarter with money.
Home Budget is the ultimate #adulting app for your smartphone. Available in Android and iOS, the app is designed to help you track your expenses, bills, and account balances. It also allows financial analysis (in graphs and charts) to ensure that you’re not exceeding your monthly household budget. Definitely add Home Budget to your list of best budgeting apps in the Philippines.
Ipon: 52 Weeks Challenge
If you’ve always wanted to try the 52-Week Money Challenge, this application is perfect for you. Ipon: 52 Weeks Challenge is one of the best money saving apps in the Philippines that encourages users to set a financial goal and stick to its schedule. Apart from helping you track your savings through charts and progress records, it also notifies you when it’s time to save some cold hard cash.
Dining out with family and friends can get tricky, especially when the bill arrives. Splitwise solves that problem by allowing multiple individuals to track a certain expense. It ensures that every member of a group pays his or her dues equally (and on time!) through an easy-to-navigate interface. It’s the best way to share bills among roommates and travel buddies.
Just like its name suggests, Money Manager is a money manager app that helps keep track of all your expenses. It’s an expense tracker app as well because you can review your financial data on a weekly or monthly basis.
Money Manager also works as a budget planner where you can see income and expenses in graph form. It has a card management function, too, that reminds you when a credit card bill is due and how much you’re supposed to pay. You can even set an auto debit arrangement with your debit card to pay your credit card bills. You can also customize your categories as well as your app’s design!
BillTracker works by helping you keep track of all your bills’ due dates and updating each bill once you’ve settled it. There’s nothing more fulfilling and satisfying than paying for your bills one by one and then seeing no unpaid bills left for the month.
The tedious part is keying in all your bills’ account numbers, amounts due, and due dates. But once you’ve entered all the information and set the bill frequency, you only need to click Add Payment and the amount, or just tap Mark as Paid.
See more apps for every kind of need!
When it comes to money management, take advantage of these best budgeting apps in the Philippines. But you’re probably wondering: are budget apps safe? The answer is yes, they are safe. As long as you are using your gadgets responsibly (setting very strong passwords and regularly changing them, not clicking on suspicious links, etc.), budget apps are vetted safe.
If you need to work on growing your savings in 2021, install the best savings tracker app for you that will help you achieve your savings goals. You may not be keen on downloading one now, but it can do wonders on your saving and spending habits.
If you’re shopping for a Pinoy budget planner or want to make the switch to the best budgeting app or budget tracker in the Philippines, the apps we’ve listed here can help.
Pick the best budget app that is not only efficient but can help you grow your money as well. It won’t be that hard to scour the best budget apps out there, just don’t be afraid to try.
 Daily Expenses 3 – Play Store
 Ipon: 52 Weeks Challenge – Play Store
 BillTracker – App Store