Expense tracker comparison
One table, one data file. Every fact has a source and the date we checked it. Apps we have not verified yet are listed as pending and have no facts.
| Feature | Clove Ai | Money Lover | Money Manager | Wallet by BudgetBakers | Spendee | YNAB |
|---|---|---|---|---|---|---|
| Platforms | Android app, plus a web app on the same account | Android and iOS apps | Android and iOS apps | Android, iOS and web; a subscription bought on one works on all | iOS and Android; the pricing page says web is coming soon | iOS, Android, web and watchOS |
| Price | $2.99 a month or $29.99 a year, everything unlimited | Free with ads. Premium is a one-time $19.99 (lifetime). Bank linking is a separate subscription from $2.49 a month | Free with ads and a 15-asset limit. A paid "Remove Ads" Android version is $5.99 one time. An optional Data Sync Service subscription is $2.49 a month or $19.99 a year | A free tier plus Premium in monthly, yearly and lifetime plans. Its website does not state amounts; the App Store US listing shows in-app purchases of $5.99, $14.99, $29.99 and $49.99 without naming the plans | Free Basic plan (1 cash wallet, 1 budget). Plus $1.99 a month or $14.99 a year. Premium $5.99 a month or $35.99 a year. The page notes prices may differ by country | $14.99 a month or $109 a year |
| Free trial | 7-day free trial on the yearly plan | Not stated on the checked pages | Not stated on the checked pages | Not stated on the checked pages | 7 days on every plan | 34 days; no card needed when signing up directly with YNAB |
| Bank connection | No bank connection; CSV import from a bank export | Yes, as a paid add-on called Linked Wallet; the App Store listing names Indonesia among supported countries | No bank feed stated; the App Store listing describes linking a card to an account inside the app | Yes: connects to “over 15,000 banks worldwide”; availability per country was not checked | Yes, on all plans including Basic | Direct import for select US, Canadian, UK and EU banks; file import elsewhere |
| Ways to add an expense | Type, talk, scan a receipt or fill the form | Manual form; type a sentence and AI fills the amount and category; scan a receipt or screenshot | Manual entry with bookmarks for frequent expenses, built on double-entry bookkeeping; AI entry is not stated | Manual entry, automatic bank updates and file import (CSV, XLS, OFX); built-in AI entry is not stated | Manual entry, bank sync and an AI receipt scanner | Manual entry and bank import; AI entry is not stated |
| Receipt scanning | Yes: photograph it in the chat, then review each line and the total before saving | Yes: smart receipt scanning | Not stated on the checked pages | Not stated on the checked pages | Yes: AI Receipt Scanner | Not stated on the checked pages |
| Multiple currencies | Yes: logged in the currency you paid in and converted at that day’s rate | Yes | Yes: individual entries in multiple currencies | Yes: full multi-currency support with automatic exchange rates | Yes: multiple currencies | One currency per spending plan; mixing currencies in one plan is not possible |
| Data export | A CSV of every expense, or a full JSON backup | Export to Google Sheets is listed as a Premium feature | Backup files in Excel format; view and edit on a PC over Wi-Fi | Not stated on the checked pages | Import and export of transactions is listed on all plans | Not stated on the checked pages |
| Indonesian language | Yes: 33 languages including Indonesian | Yes: Indonesian is one of 29 languages on the App Store listing | Yes: Indonesian is one of 19 languages on the App Store listing | Yes: Indonesian is one of 48 languages on the App Store listing | Not stated on the checked pages | No: the App Store listing shows English only |
| Store listing last updated | Shown on its Google Play listing | Google Play listing updated 9 Oct 2026 | Google Play listing updated 13 Oct 2026 | Google Play listing updated 14 Oct 2026 | Google Play listing updated 22 Oct 2026 | Google Play listing updated 20 Oct 2026 |
Sources
Try Clove Ai
Clove Ai is an Android expense tracker with an AI money coach. $2.99 a month or $29.99 a year; the yearly plan starts with a 7-day free trial.