18 Top Personal Finance Apps in the Philippines 2024

Top Personal Finance Apps in the Philippines

With the rise of smartphones and mobile apps, you can now take control of your money right at your fingertips. In this article, we will explore the top personal finance apps in the Philippines for 2024.

In today’s digital age, managing your finances has never been easier. Whether you want to track your expenses, make online loans, set financial goals, or transfer money seamlessly, these apps have got you covered.

Table of Contents

The Financial Technology (FinTech) landscape has no signs of slowing down. According to Statista Market Insights, digital payments in the Philippines are expected to be more than P226 Million in 2023 and could rise as high as P3.4 Billion in 2027.

What are the best personal finance apps in the Philippines?

When it comes to tracking your expenses, budgeting, or investing, here are the best personal finance apps in the Philippines.

Money Manager Logo

1. Money Manager

4.9 ⭐️ App Store (1.1k reviews)
4.6 ⭐️ Play Store (366k reviews)

Pricing: Free plan available | $2.49/month or $19.99/year

Money Manager is a budget and expense tracker app that simplifies the management of your finances. It has double-entry accounting systemadvanced budget feature with the capability to save photos for receipts and memories.
Overall, it’s a suitable app for individuals who want to effectively manage their personal and business finances.

Monefy Logo

2. Monefy

4.7⭐️ App Store (4.4k reviews)
4.5⭐️ Play Store (185k reviews)

Pricing: Free plan available | $2.49

Monefy is a user-friendly finance app ideal for personal and business finances. Key features include quick expense trackingdetailed spending reportsbudget planning, and advanced asset management across multiple currencies. Syncing across devices, it provides insightful data for informed financial decisions. Perfect for those aiming to optimize income and take charge of their financial health.

GoodBudget Logo

3. GoodBudget

4.7⭐️ App Store (12.8k reviews)
4.6⭐️ Play Store (19.2k reviews)

Pricing: Free plan available | $8/month or $70/year for Plus

GoodBudget is a thorough budgeting app that utilizes the envelope method for effective expense tracking and financial allocation. Its user-friendly interface allows syncing across devices, in-depth spending analysis, debt tracking, and an intuitive budget planning system. It promotes informed financial decisions and aids in avoiding overspending. The app offers a free basic membership, ideal for controlling and managing finances efficiently.

Maya Logo

4. Maya

4.8⭐️ App Store (202.1k reviews)
4.4⭐️ Play Store (1.17M reviews)

Pricing: Free

Maya is a versatile finance app offering online bill paymentload purchaseeasy money transfer, and virtual Visa card services, alongside a rewarding points system. Available to all mobile users, it offers high-interest savings accounts and prioritizes secure, hassle-free transactions. Signing up is free, affirming it as a convenient, reliable choice for managing finances virtually.

GCash Logo

5. GCash

3.2⭐️ App Store (62.3k reviews)
3.9⭐️ Play Store (1.86M reviews)

Pricing: Free

GCash is an all-inclusive finance app featuring functionalities such as online shoppingbill paymentload purchase, and a virtual Visa card for transactions. The GCash app facilitates sending and receiving money, banking, and debit card cash-ins while offering a rewarding points system. Accessible to all mobile users, GCash guarantees a secure, hassle-free experience for managing finances efficiently. Plus, creating an account is absolutely free.

Paypal Logo

6. PayPal

4.6⭐️ App Store (36.6k reviews)
4.2⭐️ Play Store (3.02M reviews)

Pricing: Free

PayPal is a leading finance app that provides secure options to send and receive money, shop, and pay bills online through partnering merchants. Notable features include the provision of a virtual Visa card for online transactions. Available to mobile users with a bank account, this free-to-use app prioritizes security, offering reliable and hassle-free financial operations.

BPI Logo

7. BPI Mobile

2.1⭐️ App Store (1.8k reviews)
1.5⭐️ Play Store (5.56k reviews)

Pricing: Free

BPI Mobile app is a comprehensive finance app that enables easy account management, fund transfersonline bill paymentsmobile check deposit, and effective card management. Perfect for on-the-go finance management, the app offers high security, a streamlined design for user ease, and is free to use. Its innovative features like biometric authorization further augment transaction safety, making it a reliable financial tool.

Unionbank Logo

8. Unionbank Online

3.9⭐️ App Store (12k reviews)
3.8⭐️ Play Store (74.2k reviews)

Pricing: Free

Unionbank Online is a full-function finance app allowing for effortless account management, fund transfersonline bill payment, and mobile check deposit. It also lets users schedule branch visits and simplify payments via QR codes. The app prioritizes security in transactions and offers convenience in handling finances anytime, anywhere. Its added benefits such as branch visit scheduling and QR code payments make it an ideal tool for modern banking.



4.5⭐️ App Store (140 reviews)
4.8⭐️ Play Store (15.2k reviews)

Pricing: Free | $14.99/month or $99/year

YNAB (You Need a Budget) is a forward-thinking finance app dedicated to practical budget managementexpense trackinggoal setting, and debt management. Featuring a user-friendly interface, it uses the zero-based budgeting method for precise financial planning. With YNAB, users can set and track financial goals, manage debts effectively, and conveniently deposit checks through their mobile device, making financial management accessible and efficient.

Tonik Logo

10. Tonik

4.5⭐️ App Store (10.7k reviews)
4.4⭐️ Play Store (69.7k reviews)

Pricing: Free

Tonik, a handy finance app, simplifies account managementfund transfersonline bill payment, and saving. The app also offers a loan facility and online payment products. Accessible to mobile users with a bank account, Tonik prioritizes secure transactions, encouraging savings growth by offering interest on accounts. Its convenience and target-aimed features make it a prudent choice for digital banking.

Home Credit Logo

11. Home Credit

4.6⭐️ Play Store (429k reviews)

Pricing: Free

Home Credit is a finance app that streamlines the loan application and management process with digital convenience. It offers features like direct loan applicationsdetailed account management, a loan calculator, varied payment options, and timely notifications. By eliminating the need for branch visits and enabling convenient payments, it provides an efficient and time-saving solution for managing loan-related tasks.

Tala logo

12. Tala

4.7⭐️ Play Store (638k reviews)

Pricing: Free

Tala is an inclusive finance app offering easy loan applications, thorough account management, flexible payment options, and valuable credit services. It allows users to open a savings account to earn interest. Providing the underbanked with access to credit services, the app makes loan applications and payments quick and easy. Tala is an effective tool that caters to comprehensive financial needs.

Money Lover logo

13. Money Lover

4.6⭐️ App Store (1.8k reviews)
4.2⭐️ Play Store (195k reviews)

Pricing: Free plan available | $2.49/month or $14.49/6 months or $19.99/year

Money Lover is a user-friendly finance app focused on effective money management. With features like detailed expense trackingbudget planning, and savings goals, it aids in keeping finances in check. Also, it ensures timely bill payments with reminders and syncs data across devices for convenient access. Its comprehensive attributes motivate users towards successful financial planning and saving.

Coins logo

14. Coins PH

4.7⭐️ App Store (4.4k reviews)
4.5⭐️ Play Store (185k reviews)

Pricing: Free

Coins PH is a versatile finance app enabling seamless remittancesonline bill payments, and mobile load purchases. It acts as a crypto wallet for managing virtual currencies and supports online shopping from over 100,000 merchants. Known for its convenience, security, and low fees, the app provides a comprehensive platform for various financial transactions while adhering to BSP regulations, making it a trustworthy choice in the Philippines.

Bluecoins logo

15. Bluecoins

3.8⭐️ App Store (42 reviews)
4.7⭐️ Play Store (35.2k reviews)

Pricing: Free | $4 to $8

Bluecoins is a user-friendly finance app equipped with features for comprehensive financial management. It aids in precise expense trackingbudget planning, generation of insightful reports, and syncing data across devices with backup options. Offering multi-currency support, the app serves effectively for international users. Its powerful analysis and report generation provide a deep understanding of financial habits, making it a fitting choice for maintaining robust financial health.

GrabPay logo

16. GrabPay

4.9⭐️ App Store (431k reviews)
4.8⭐️ Play Store (11.8M reviews)

Pricing: Free

GrabPay app is a multifunctional app providing convenient mobile paymentsride-hailing, and food delivery services, along with access to financial services such as insurancemicro-investment, and financing. Available in multiple Southeast Asian countries, it emphasizes secure and seamless cashless transactions, contributing greatly to the ease of daily activities. Its wide range of services, global reach, and focus on security make it an all-encompassing choice for consumers.

Investagrams logo

17. Investagrams

4.8⭐️ App Store (23k reviews)
3.8⭐️ Play Store (3.22k reviews)

Pricing: Free | From ₱349/month to ₱999/month

Investagrams is a comprehensive finance app offering real-time market datarobust charting toolscommunity engagementpaper trading, and an educational resource library. It facilitates connection with a trader and investor community for insightful discussions. Users can safely practice trading strategies and enhance their knowledge with its vast learning resources. Its support for multi-market trading makes it an ultimate choice for investment insights and growth.

Moneygment logo

18. Moneygment

3.1⭐️ App Store (302 reviews)
3.9⭐️ Play Store (1.82k reviews)

Pricing: Free

Moneygment, a user-friendly finance app, centralizes financial tasks such as bill paymentmoney transferstax filing and managing contributions to SSSPhilHealth, and Pag-IBIG. With multi-currency support, it suits international users too. The app’s convenience, secure payment system, and intuitive interface make financial management uncomplicated, offering a trusted digital platform for various transactions.

Factors to Consider When Choosing a Personal Finance App

There are several factors to consider when selecting a personal finance app that aligns with your financial goals and preferences. Here are some of the key factors to consider:

a. Features and Functionalities

Determine what you need from a personal finance app, such as budget tracking, expense management, investment management, or bill payment, and choose an app that offers the features you require.

b. User Interface and Experience

Choose an app that offers a user-friendly interface, intuitive navigation, and a visually appealing design. The app should be easy to use and navigate, even for users who are not tech-savvy.

c. Security and Privacy

Choose an app that offers robust security features, such as two-factor authentication, encryption, and biometric login. The app should also have a clear privacy policy that outlines how user data is collected, stored, and used.

d. Cost and Pricing

Some personal finance apps are free, while others may charge a subscription fee or transaction fees. Determine your budget and choose an app that offers the features you need at a price point that aligns with your financial goals.

e. Reviews and Ratings

Check out reviews from other users on the App Store or Google Play Store to get an idea of the app’s performance, reliability, and user experience. Look for apps with high ratings and positive reviews from users.


  • Why should I download a personal finance app?

    Personal Finance apps will help you organize your income and expenses, keep track of your spending, and even help you save money. They are designed to make your life easier and help you get your finances in order.

  • Are personal finance apps easy to use?

    Yes, personal finance apps are designed to be user-friendly and easy to navigate. They typically have simple interfaces and intuitive features that make it easy to input your income and expenses, set budgets, and track your spending.

  • What is the best feature of a personal finance app?

    One of the best features is the ability to create a budget and track your spending. These apps often provide you with visual representations, such as pie charts, to help you see where your money is going. This can be a very helpful tool for staying on top of your finances.

  • Can personal finance apps help me save money?

    Yes, personal finance apps can help you save money. These apps provide you with insights into your spending habits and help you identify areas where you can cut back. They can also help you set savings goals and track your progress.

  • Can a personal finance app help me with my cash flow?

    Yes! These apps allow you to track your income and expenses, giving you a clear picture of your cash flow. They can help you identify areas where you can save money and improve your overall financial situation.

  • Can a personal finance app help me with my credit card bill?

    Yes, personal finance apps can help you manage your credit card bill. Many of these apps allow you to link your credit card accounts and track your credit card expenses. They can send you reminders when your bill is due to help you avoid late payments and unnecessary interest charges.

  • Are there any free personal finance apps available in the Philippines?

    Yes, there are several free personal finance apps available in the Philippines. Some popular free apps include GCash, Maya, Tonik, Unionbank Online and Paypal.

  • What are the top personal finance apps in the Philippines in 2024?

    Some of the best personal finance apps in the Philippines are GCash, Money Manager, YNAB, and BPI Mobile. These apps will help you manage your personal finances, track your expenses, and stay on top of your budget.

  • Which personal finance apps in the Philippines are recommended for budgeting?

    If you’re looking for personal finance apps that will help with budgeting in the Philippines, some highly recommended options are YNAB and Money Manager.

Final Thoughts

Using a personal finance app can bring numerous benefits to your financial management journey. From setting and tracking financial goals to analyzing expenses and managing budgets, these apps provide the tools and insights you need to take control of your finances. With their convenience, accessibility, and educational resources, personal finance apps are worth considering for anyone looking to improve their financial well-being.

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