Singapore · SGD
A free expense tracker for Singapore, from hawker centres to bills
Singapore spending is a mix of PayNow transfers, cards, e-wallets and small hawker purchases. Each one is small, and together they add up. Balance gives you a fast way to log them all in Singapore dollars.
It's free with no ads and needs no bank login. Your money stays yours to track.
Free · No ads · 140+ currencies · Android (iOS coming soon)
Built around how Singapore pays
- PayNow transfers logged from the confirmation screenshot
- Card, NETS and contactless purchases logged by scanning the receipt
- GrabPay rides and food orders logged from a screenshot or by hand
- Hawker and kopitiam cash spends added in two taps
Budget on take-home pay, after CPF
For Singapore citizens and PRs, CPF contributions come out before your salary lands, so the number that matters for day-to-day budgeting is take-home pay. Build your budget on that figure, not your gross salary.
With a high cost of living, small daily spends are where budgets slip. A category budget for food and transport makes the drift visible within days, not at the end of the month.
Your currency, set up for you
Balance sets your home currency from your phone's region the first time you open it, so in Singapore amounts appear in Singapore dollars (SGD) with the right formatting. If you move or prefer another currency, you can switch to any of 140+ in settings.
What you get, free
- Receipt and payment-screenshot scanning that fills in amount, merchant and date
- Category, merchant and monthly breakdowns
- A monthly budget, fixed expenses and bill reminders
- A subscription tracker for things that renew
- Roast Mode: a witty nudge when you overspend
- Android home-screen widgets and CSV export
Frequently asked questions
Does Balance work with PayNow?
Balance doesn't connect to PayNow or any bank. You can log PayNow payments by scanning the confirmation screenshot or adding them manually.
Can I use Balance in Singapore dollars?
Yes. Balance picks SGD automatically from your phone's region, and you can switch currency anytime.
Is Balance free?
Yes. Balance is free to download and use, with no ads. Everyday tracking — adding expenses, automatic capture, bills and subscriptions, accounts and CSV export — is free, and it isn't a trial that runs out.
Which platforms is Balance available on?
Balance is available on Android today. An iOS version is coming soon. It's a mobile app rather than a web dashboard.
Keep exploring
Start understanding your money with Balance.
Free to download, no ads, no bank login. Get it on Google Play and start tracking in minutes.