Keeping track of your daily spending is the first step to financial freedom. With the rising cost of living in Nigeria, knowing where every naira goes has never been more important.
Luckily, there are several expense tracking apps designed to help you stay organized, save more, and spend wisely. Here are the best apps for tracking expenses in Nigeria in 2025, whether you’re a salary earner, student, entrepreneur, or freelancer.
1. Money Manager
Platform: Android, iOS
Price: Free (with in-app purchases)
Why it’s great:
Money Manager is one of the most user-friendly expense tracking apps. It allows you to categorize expenses, set monthly budgets, and visualize your spending through charts.
Top Features:
Daily, weekly, and monthly reports
Easy-to-use interface
Budget goals and reminders
Passcode lock for privacy
Best for: Beginners and students
2. Expense Tracker – Wallet by BudgetBakers
Platform: Android, iOS, Web
Price: Free and Premium versions
Why it’s great:
Wallet connects with your bank (selected Nigerian banks supported) and provides real-time expense categorization and analysis.
Top Features:
Syncs with multiple bank accounts
Budget planning tools
Family and shared budgeting
Multi-currency support
Best for: Professionals and digital-savvy users.
3. Spendee
Platform: Android, iOS, Web
Price: Free and Premium
Why it’s great:
Spendee allows manual or automatic input of expenses. You can even create separate wallets for different goals, e.g., rent, food, savings.
Top Features:
Graphs and financial snapshots
Sync with bank accounts and e-wallets
Expense tagging and color-coded categories
Best for: Visual learners and freelancers
4. PiggyVest
Platform: Android, iOS, Web
Price: Free
Why it’s great:
Though mostly a savings app, PiggyVest includes a useful “Spending Tracker” feature that lets you monitor how you use your money after withdrawing it from savings.
Top Features:
Auto-save and fixed savings plans
Spending history overview
Budget and goal tracking
Best for: Savers and long-term goal planners
5. Goodbudget
Platform: Android, iOS, Web
Price: Free (limited) / Paid (Pro)
Why it’s great:
Goodbudget uses the envelope budgeting system, a classic method where you allocate money to digital envelopes and spend accordingly.
Top Features:
Easy manual entry of expenses
Envelope system helps curb overspending
Sync across devices
Best for: Couples, families, and serious budgeters
6. Moniepoint Business App (Bonus for SMEs)
Platform: Android, Web
Price: Free
Why it’s great:
For business owners, Moniepoint offers simple expense tracking alongside POS transaction monitoring. Ideal for market sellers and shop owners.
Top Features:
Track sales and expenses in real-time
Transaction reports
Business performance insights
Best for: Small business owners in Nigeria
Whether you’re trying to stop impulse buying, save for a big project, or pay off debt, using a good expense tracker can transform your financial life. These apps are accessible, secure, and perfect for budgeting in Nigeria’s economy.
Pick the one that suits your style and start tracking today!
