Guides & Tools
Balance guides, comparisons and tools
Everything we've written to help you track spending, choose the right app and get more from your money — free guides, honest comparisons and simple calculators.
About the Balance app
Balance Expense TrackerThe Balance expense tracker app by Clarzen, on Google Play.Balance AppWhat the Balance app is, who makes it and how to get it.Download BalanceGet Balance: Expense Tracker on Google Play.How to use BalanceSet up Balance and track your first month.Is Balance safe?How Balance protects your data, in plain language.Is Balance free?What you can use in Balance for free.Which Balance app is this?Several apps are named Balance. Here's how to spot ours.Balance for iPhoneiOS status for the Balance expense tracker.
Questions answered
Is SMS permission safe?What an expense app can see, and how to judge it.Do I need to link my bank?Tracking spending without giving any app your bank login.Which permissions are needed?What each permission is for, and which are red flags.Bank statements in ChatGPT?The privacy trade-off, and safer ways to get the same answers.Deleting a finance appWhy uninstalling isn't enough, and how to leave properly.Why I quit budgeting appsThe real reasons tracking fails, and the fixes that last.Tracking several cards and appsOne picture when money moves through many accounts.Overspent mid-monthA calm reset for the rest of the month.Budgeting irregular incomeA budget that works when pay changes every month.How couples split expenses50/50, by income or a shared pot: which is fair.Find all your subscriptionsA 20-minute sweep that finds the ones you forgot.Stop missing bill due datesA simple system that ends late fees.50/30/20 on a low incomeWhen the rule breaks, and what to use instead.How much salary to saveRealistic savings targets for where you are now.Can AI explain my spending?What AI money assistants can and can't do today.Questions to ask about spending15 questions that show where your money really goes.Tracking two currenciesFor expats, remote workers and frequent travellers.International student budgetsAllowance, part-time pay and money from home, in one budget.Monthly food budgetWork out a food budget that fits your income.Your real subscription costAdd up what subscriptions really cost you per year.
Expense tracking
Expense TrackerWhat Balance does and how expense tracking works.Free Expense TrackerFree to download and use, with no ads.Personal Finance TrackerTrack spending, accounts, budgets and trends in one place.Budget TrackerSet budgets, plan around salary, track what's left.Spending InsightsTurn raw spending into insights you'll act on.
Features
Receipt Scanner AppScan paper receipts and payment screenshots into expenses.Subscription Tracker AppSee every subscription and get reminded before renewals.Bill Reminder AppReminders for rent, EMIs, utilities and fixed bills.Expense Tracker WidgetSee your balance and log spends from the home screen.Daily Expense TrackerLog every day's spending in seconds.Money Manager AppAccounts, budgets, bills and spending in one app.AI Expense TrackerAn assistant you can ask, AI scanning and Roast Mode.AI Money AssistantAsk Balance about your spending by voice or text.Credit Card Expense TrackerTrack card spending alongside bank and cash.Net Worth TrackerAdd up every account to see your true net worth.Savings Goal TrackerSet a goal and a timeline; see if you're on track.
Privacy & no-frills tracking
Private Expense TrackerNo bank login, optional on-device SMS capture, encrypted.Offline Expense TrackerCapture without a connection; syncs when you're back.Expense Tracker, No AdsZero ads, zero trackers, zero data selling.No Bank LinkingTrack everything without connecting an account.Free Expense TrackerFree to download and use, with no ads.Works Without SMS PermissionEvery feature works without granting SMS access.
By country
Expense Tracker IndiaRupee-first tracking built for how India spends.Expense Tracker United StatesFree tracking in US dollars for the US.Expense Tracker United KingdomFree tracking in pound sterlings for the UK.Expense Tracker CanadaFree tracking in Canadian dollars for Canada.Expense Tracker AustraliaFree tracking in Australian dollars for Australia.Expense Tracker New ZealandFree tracking in New Zealand dollars for New Zealand.Expense Tracker IrelandFree tracking in euros for Ireland.Expense Tracker SingaporeFree tracking in Singapore dollars for Singapore.Expense Tracker MalaysiaFree tracking in Malaysian ringgits for Malaysia.Expense Tracker PhilippinesFree tracking in Philippine pesos for the Philippines.Expense Tracker United Arab EmiratesFree tracking in UAE dirhams for the UAE.Expense Tracker Saudi ArabiaFree tracking in Saudi riyals for Saudi Arabia.Expense Tracker NigeriaFree tracking in Nigerian nairas for Nigeria.Expense Tracker KenyaFree tracking in Kenyan shillings for Kenya.Expense Tracker South AfricaFree tracking in South African rands for South Africa.Expense Tracker PakistanFree tracking in Pakistani rupees for Pakistan.
For India
For your situation
For StudentsTrack a tight budget across cash, cards and allowance.For CouplesHow two people can track shared spending with Balance.For FamiliesTrack a household budget across many categories.For FreelancersSeparate business spends and keep receipts for tax.For SalariedPlan around payday and track the month.
"Best" roundups
Best Expense TrackerHow to choose, and where Balance fits.Best Free Expense TrackerFree options, compared.Best Expense Tracker IndiaIndia-ready options and how they differ.Expense Tracker, No AdsZero ads, zero trackers, zero data selling.Private Expense TrackerNo bank login, optional on-device SMS capture, encrypted.Offline Expense TrackerCapture without a connection; syncs when you're back.For StudentsTrack a tight budget across cash, cards and allowance.For CouplesHow two people can track shared spending with Balance.For FamiliesTrack a household budget across many categories.For FreelancersSeparate business spends and keep receipts for tax.UPI Expense TrackerCatch UPI spends from bank SMS, app alerts or screenshots.Best Budget Tracker IndiaBudgeting apps for Indian salaries.Best Finance App IndiaAll-in-one money apps for India.
How-to guides
How to track expensesA simple, repeatable system that sticks.Track monthly expensesGet a reliable monthly spending picture.Track daily expensesBuild a daily logging habit.Track UPI expensesAuto-capture or scan every UPI spend.Track cash expensesStop cash spends slipping through.Create a monthly budgetBuild a budget you can stick to.Control your spendingPractical ways to rein in spending.Analyze your expensesTurn a spending log into decisions.Track spending habitsSpot the patterns behind your spending.Manage your moneyA simple end-to-end money routine.Budget your salaryAllocate on payday, not after.Save from your salaryTurn a salary into consistent savings.
Compare Balance
Balance vs Money Manager (Realbyte)A side-by-side comparison of Balance and Money Manager (Realbyte).Balance vs MonefyA side-by-side comparison of Balance and Monefy.Balance vs YNAB (You Need A Budget)A side-by-side comparison of Balance and YNAB (You Need A Budget).Balance vs Monarch MoneyA side-by-side comparison of Balance and Monarch Money.Balance vs GoodbudgetA side-by-side comparison of Balance and Goodbudget.Balance vs SpendeeA side-by-side comparison of Balance and Spendee.Balance vs Wallet by BudgetBakersA side-by-side comparison of Balance and Wallet by BudgetBakers.Balance vs MoneyviewA side-by-side comparison of Balance and Moneyview.Balance vs axio (formerly Walnut)A side-by-side comparison of Balance and axio (formerly Walnut).Balance vs ET MoneyA side-by-side comparison of Balance and ET Money.Balance vs Money LoverA side-by-side comparison of Balance and Money Lover.Balance vs BluecoinsA side-by-side comparison of Balance and Bluecoins.Balance vs Toshl FinanceA side-by-side comparison of Balance and Toshl Finance.Money Manager (Realbyte) vs MonefyHow Money Manager (Realbyte) and Monefy compare, plus a free third option.YNAB (You Need A Budget) vs GoodbudgetHow YNAB (You Need A Budget) and Goodbudget compare, plus a free third option.YNAB (You Need A Budget) vs Monarch MoneyHow YNAB (You Need A Budget) and Monarch Money compare, plus a free third option.Spendee vs Wallet by BudgetBakersHow Spendee and Wallet by BudgetBakers compare, plus a free third option.Money Lover vs Money Manager (Realbyte)How Money Lover and Money Manager (Realbyte) compare, plus a free third option.Monefy vs SpendeeHow Monefy and Spendee compare, plus a free third option.Bluecoins vs Money Manager (Realbyte)How Bluecoins and Money Manager (Realbyte) compare, plus a free third option.Money Lover vs Wallet by BudgetBakersHow Money Lover and Wallet by BudgetBakers compare, plus a free third option.Goodbudget vs MonefyHow Goodbudget and Monefy compare, plus a free third option.axio (formerly Walnut) vs ET MoneyHow axio (formerly Walnut) and ET Money compare, plus a free third option.Toshl Finance vs SpendeeHow Toshl Finance and Spendee compare, plus a free third option.Money Lover vs BluecoinsHow Money Lover and Bluecoins compare, plus a free third option.
Alternatives
Money Manager (Realbyte) alternativeA free, ad-free alternative to Money Manager (Realbyte).Monefy alternativeA free, ad-free alternative to Monefy.YNAB (You Need A Budget) alternativeA free, ad-free alternative to YNAB (You Need A Budget).Monarch Money alternativeA free, ad-free alternative to Monarch Money.Goodbudget alternativeA free, ad-free alternative to Goodbudget.Spendee alternativeA free, ad-free alternative to Spendee.Wallet by BudgetBakers alternativeA free, ad-free alternative to Wallet by BudgetBakers.Moneyview alternativeA free, ad-free alternative to Moneyview.axio (formerly Walnut) alternativeA free, ad-free alternative to axio (formerly Walnut).ET Money alternativeA free, ad-free alternative to ET Money.Money Lover alternativeA free, ad-free alternative to Money Lover.Bluecoins alternativeA free, ad-free alternative to Bluecoins.Toshl Finance alternativeA free, ad-free alternative to Toshl Finance.
