Singapore has one of the highest costs of living globally. Tracking expenses isn't optional — it's essential. Here are the best apps for Singaporean users.
Singapore's Unique Financial Challenges
- High cost of living — Housing, cars, education
- Cashless society — PayNow, GrabPay, credit cards
- CPF complexity — Tracking actual take-home vs CPF
- Hawker vs restaurant — Big price differences in dining
Top Expense Trackers for Singapore
1. Pocket Clear — Best Simple Option
- ✅ Full SGD support
- ✅ No bank linking needed
- ✅ Works offline
- ✅ Free with no ads
- ✅ Pro: S$1.48/month
🇸🇬 Best for SG Privacy
Simple, private, works anywhere in Singapore.
2. Seedly
Singapore-focused personal finance platform.
Pros: Local reviews, SG community
Cons: More of a platform than expense tracker
3. DBS NAV Planner
If you bank with DBS, built-in budgeting tools.
Pros: Integrated with DBS
Cons: Only for DBS customers
Singapore Expense Categories
- 🏠 Rent/Mortgage
- 🍜 Hawker/Food Court
- 🍽️ Restaurants
- 🚇 MRT/Bus
- 🚕 Grab/Taxi
- 🛒 NTUC/Cold Storage
- 📱 Singtel/Starhub/M1
- 🎓 Enrichment/Tuition
- 🏥 Medical (beyond Medisave)
Tracking in a Cashless Singapore
Singapore is highly cashless, but automatic tracking has limits:
- PayNow, GrabPay don't export data easily
- Credit card statements are delayed
- Categories are often wrong in auto-import
Solution: Manual tracking takes 5 seconds and is more accurate.
Sample Singapore Budget (Single Adult)
| Category | Amount/month |
|---|---|
| Rent (room/flat) | S$1,200-3,000 |
| Food (mix hawker/restaurant) | S$600-1,000 |
| Transport | S$100-200 |
| Utilities/Phone | S$100-150 |
| Entertainment | S$200-400 |
| Savings | S$500-1,000+ |
Hawker vs Restaurant Tracking
A key Singapore insight: track hawker and restaurant spending separately.
- Hawker meal: S$4-8
- Restaurant meal: S$20-50+
You'll quickly see how restaurant spending impacts your budget.
Start Tracking in SGD
Free, simple, works all over Singapore.