Best Spending Accounts Apps

222+ iOS apps curated and reviewed

4.2 avg rating
19 free apps
Updated June 2026

Looking for free spending accounts apps? 19 of our 222+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Spending Accounts

Spending Tracker#1

Spending Tracker by MH Riley Ltd

Take Control Of Your Money
Editor's Choice
💰 Finance
4.8😊(18K ratings)
FreeAdsIn-App Purchases
Spending Tracker screenshot 1
Spending Tracker screenshot 2
Spending Tracker screenshot 3
Spending Tracker screenshot 4
Spending Tracker screenshot 5

What We Love

  • 👍 Easy to use
  • 📊 Helpful reports and charts
  • 💰 One-time fee for premium features
  • 🔁 Recurring transactions

Room to Improve

  • 🐛 Occasional syncing issues
  • 🔢 Lack of fortnightly budget option
  • 🗂️ Difficulty deleting unused categories
1.7(11 ratings)
Free
Benefit Spending Accounts screenshot 1
Benefit Spending Accounts screenshot 2
Benefit Spending Accounts screenshot 3

This application helps you manage your health benefit accounts easily and securely, providing real-time access to your account information, balances, and details on the go. With its intuitive navigation and powerful features, you can quickly check balances, file claims, pay bills, and more, all from your mobile device.

Monefy: Money Tracker#3

Monefy: Money Tracker by Reflective Technologies ApS

Track Income & Expenses
Worth Considering
💰 Finance
4.7😊(6.5K ratings)
FreeAdsIn-App Purchases
Monefy: Money Tracker screenshot 1
Monefy: Money Tracker screenshot 2
Monefy: Money Tracker screenshot 3
Monefy: Money Tracker screenshot 4
Monefy: Money Tracker screenshot 5
Monefy: Money Tracker screenshot 6

Track your income, expenses, and budgets effortlessly with this money management app. Gain insight into your finances and stay on top of your spending. Start managing your money better today!

What We Love

  • 👍 Very easy to use
  • 👍 Helpful for tracking expenses
  • 👍 Customizable categories
  • 👍 Intuitive interface

Room to Improve

  • 🐛 Synchronization issues
  • 🐛 Pricing errors and lack of refunds
  • 🐛 Ads and paywalls for basic features

More Spending Accounts apps to explore

4
YNAB
YNAB
YNAB
Never worry about money again
Free

Start changing your money mindset with a set of habits to spend purposefully, save aspirationally, and give generously. Join millions in improving your financial outlook and sign up for a one-month free trial today!

💰 Finance
(61K)
5
Tofu: Accounting & Bookkeeping
Tofu: Accounting & Bookkeeping
Tofu: Accounting & Bookkeeping
Expense, Receipt, Tax Tracker
Free

Tofu provides user-friendly accounting software for small businesses, offering features such as invoicing, expense tracking, and financial reporting. Streamline your finances with Tofu today.

💼 Business
(287)
6
Revolut: Send, spend and save
Revolut: Send, spend and save
Revolut: Send, spend and save
Change the way you money
Free

An app that allows you to easily manage your finances, send money worldwide, track spending, and save with features like smart budgeting, instant notifications, and investment opportunities. Upgrade to premium plans for exclusive benefits and perks.

💰 Finance
(69K)
7
LLUH Flexible Spending Account
LLUH Flexible Spending Account
LLUH Flexible Spending Account
by Loma Linda University Adventist Health Sciences Center
Free

This mobile app allows users to easily manage their Flexible Spending Account (FSA) benefits, including checking balances, viewing account details, and submitting claims, all in a secure and intuitive environment. By downloading the app, users can access their account information on-the-go, take advantage of time-saving features, and make the most of their FSA health and dependent care benefits.

💰 Finance
(21)
8
Spending Account Mobile Center
Spending Account Mobile Center
Spending Account Mobile Center
by TRION GROUP, INC.
Free

Access all your HSA, HRA, and FSA health benefit accounts with ease through real-time monitoring and intuitive navigation on the go. Simplify managing your health benefits and stay informed about balances and account details effortlessly.

💪 Health & Fitness
(470)
9
UMB Benefit Spending Accounts
UMB Benefit Spending Accounts
UMB Benefit Spending Accounts
by UMB Financial Corporation
Free

This mobile app allows users to easily manage their health benefit accounts, including HRA and FSA, by providing real-time access to account information, balance checks, and intuitive navigation. With secure login and various features, users can quickly file claims, track expenses, and access customer service, making it a convenient and time-saving solution for managing health benefits on-the-go.

💰 Finance
(40)
10
Track Spending : Wise Budget
Track Spending : Wise Budget
Track Spending : Wise Budget
Expense Tracker : Debt Tracker
Free

Track your expenses and manage your budget wisely with this intuitive monthly budget and debt tracker app. Stay on top of your finances effortlessly. Start saving today!

💰 Finance
(2.9K)
11
EveryDollar: Budget Management
EveryDollar: Budget Management
EveryDollar: Budget Management
Track Income, Bills & Spending
Free

Track expenses, plan finances, and reach your financial goals with a personal budget app that helps you manage your money easily and guilt-free. Start for free today to create budgets, monitor spending, and see all your financial accounts in one place.

💰 Finance
(84K)
12
MyKidsSpending | MySpending
MyKidsSpending | MySpending
MyKidsSpending | MySpending
Manage Your Spending Accounts
Free

This mobile app helps users manage their school spending accounts by easily adding funds, checking balances, and viewing recent deposits. It also allows users to make purchases with a QR code and access additional features like meal ordering and activity sign-ups once enabled by their school.

🔧 Utilities
(536)
13
Checkbook - Account Tracker
Checkbook - Account Tracker
Checkbook - Account Tracker
Spending, Income and Cashflow
Free

Track your spending, income, and cash flow effortlessly with this user-friendly account tracker app. Take control of your finances and manage your money more effectively today!

💰 Finance
(14K)
14
SBA Spending & Saving Accounts
SBA Spending & Saving Accounts
SBA Spending & Saving Accounts
by UNIVERSITY COLORADO HOSPITAL AUTHORITY
Free

This secure mobile app allows users to easily manage their health benefits accounts, including FSAs, HSAs, and HRAs, by providing real-time access to account information, balances, and details. With features like intuitive navigation, biometric login, and barcode scanning, users can quickly check balances, view claims, and perform various account tasks on the go.

💪 Health & Fitness
(14)
15
iSpending - Expense Tracker
iSpending - Expense Tracker
iSpending - Expense Tracker
Income and spending tracker
Free

Track your income and expenses seamlessly with this personal finance app. Organize transactions by category, view intuitive summaries, and analyze spending habits with detailed reports and graphs. Try it for free and take control of your finances today!

💰 Finance
(85)
16
Spending Tracker-Account
Spending Tracker-Account
Spending Tracker-Account
Daily Expense, Income
$1.99
💰 Finance
(1)
17
Spending Tracker - Budget App
Spending Tracker - Budget App
Spending Tracker - Budget App
Budget planner & money tracker
Free

Track your expenses, set budgets, and manage your finances effectively with this intuitive budgeting app. Take control of your spending habits and achieve your financial goals today.

💰 Finance
(667)
18
Monarch: Budget & Track Money
Monarch: Budget & Track Money
Monarch: Budget & Track Money
Spending, Net Worth, Investing
Free

Manage your finances efficiently with this comprehensive budgeting application. Track expenses, set financial goals, and stay on top of your budget effortlessly. Start saving money today!

💰 Finance
(96K)
19
Expenses: Spending Tracker
Expenses: Spending Tracker
Expenses: Spending Tracker
Bill & Subscription Manager
Free

Track your spending effortlessly with Expenses, featuring quick input, sharing capabilities, accessibility, support for all currencies, data exporting options, no registration required, customizable categories, detailed stats, spending trends, and additional convenient features. Start managing your expenses better today.

💰 Finance
(1.8K)
20
BMA Health Spending Account
BMA Health Spending Account
BMA Health Spending Account
by Benefit Management Administrators, Inc.
Free

This mobile app provides a secure and convenient way to manage consumer-driven healthcare and tax-favored benefit accounts, allowing users to check balances, view transactions, and submit claims on the go. By downloading the app, users can take control of their FSA, HRA, HSA, Transit, and Parking benefits, and access their account information 24/7.

🏥 Medical
(8)