As the cost of living in Singapore continues to climb in 2025, more residents are turning to technology to take control of their finances. With inflation affecting essentials from food to transportation, daily expense tracking has become more crucial than ever. Fortunately, several budgeting apps tailored for Singaporean users offer intuitive tools to manage spending, set savings goals, and build healthier financial habits. Here are three of the most recommended apps making a difference this year.
Seedly – A Local Favourite With Powerful Features
Seedly continues to be one of the top choices among Singaporeans in 2025. Originally launched as a community platform for financial discussions, it has evolved into a full-fledged personal finance tracker. The app lets users link their bank accounts, credit cards, and investment platforms, offering a consolidated view of their finances.
One standout feature is its categorisation engine, which automatically tags your transactions (e.g., groceries, transport, dining). Seedly’s user interface is clean and highly intuitive, making it suitable for both beginners and seasoned budgeters. The app also includes insights into monthly spending patterns and community-sourced money tips. And with DBS, UOB, and OCBC integrations now updated for 2025, syncing is faster and more reliable.
Spendee – Multi-Currency Support for Travel-Savvy Users
For Singaporeans who frequently travel for work or leisure, Spendee stands out in 2025. This app is especially popular among users juggling multiple currencies and international cards. Spendee allows users to create shared wallets—ideal for couples or roommates—and export detailed reports in real-time.
While the free version covers basic tracking, the premium plan (at S$20 annually) unlocks auto-sync with Singapore banks, budgeting by categories, and personalised alerts. It’s now compatible with Apple Pay and Google Wallet, reflecting 2025’s shift toward digital payments. Users praise its clean charts and visual spending breakdowns that make budgeting less intimidating and more goal-focused.
Wally – AI-Driven Insights for Smarter Saving
Wally may be lesser known but is gaining traction in Singapore for its smart budgeting features. The app integrates artificial intelligence to analyse spending habits and recommend specific areas where users can save. In 2025, its language localisation for Southeast Asian markets, including support for Singlish and Malay, has made it even more appealing.
Wally’s strength lies in automation. It scans receipts using OCR (optical character recognition), tracks upcoming bills, and forecasts your monthly budget based on past habits. The app has recently added CPF and SkillsFuture credit integration, offering a complete financial picture for Singaporeans looking to manage both everyday and long-term financial planning.
Comparison: Top Budgeting Apps in Singapore (2025)
| Feature | Seedly | Spendee | Wally |
|---|---|---|---|
| Bank Integration | Yes (Local banks) | Yes (Premium version) | Partial (More coming) |
| Multi-Currency Support | Limited | Yes | Yes |
| AI-Powered Recommendations | No | No | Yes |
| Receipt Scanning | No | Yes | Yes |
| Free Version Available | Yes | Yes | Yes |
| Localised Features | High | Moderate | High |
Why Expense Tracking is Essential in May 2025
Singaporeans are seeing a continued rise in everyday costs, from hawker meals to transport fares. The government’s push for digital literacy and cashless transactions also means more people are looking for tools to keep their digital wallets in check. Budgeting apps not only help you control impulsive spending but also serve as a real-time financial compass—whether you’re saving for a BTO, managing a family, or preparing for retirement.
Final Thoughts
Managing money doesn’t have to be overwhelming. With the right budgeting app, Singaporeans can gain better control over their expenses, stay ahead of inflation, and make informed financial decisions. In 2025, Seedly, Spendee, and Wally offer powerful solutions tailored to different lifestyles. Whether you’re a student, working adult, or retiree, these apps can turn your smartphone into a smart finance manager.
FAQ
What is the best budgeting app for beginners in Singapore?
Seedly is ideal for beginners due to its simple interface, automatic categorisation, and strong community support.
Are these apps secure to use in Singapore?
Yes. All three apps use bank-level encryption and require authentication, making them secure for tracking finances.
Can I use these apps to manage shared expenses?
Spendee is especially good for shared expenses with its “shared wallet” feature for roommates, couples, or families.
Do these apps work without syncing a bank account?
Yes. While syncing offers more convenience, all apps allow manual entry of expenses for privacy-conscious users.
Are budgeting apps worth paying for?
If you want automated features like AI insights, syncing, and bill reminders, upgrading to premium versions can be worth the cost.
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