What expense trackers really cost.
Every price below comes from the app’s own website or help centre, checked October 2026. Including where another app is cheaper.
Traxpend Pro: $39.99 a year in the US, ₹799 in India, local prices elsewhere, all taxes included. Covers your partner. Starts with 14 days free, no card.
Free never caps your expenses
Log as many as you like, every day, and settle up with anyone. The limits on Free are about extras (history, scans, AI), never about tracking.
One plan covers the two of you
Pro includes the other person in your Partner space. Monarch and YNAB also cover a household, at $99.99 and $109 a year; Traxpend Pro is $39.99.
Priced for where you live
In India Pro is ₹799 a year, about ₹99 a month or less. Elsewhere it's in your currency, taxes included, and lower in lower-income countries.
14 days of Pro first, no card
Every new account gets Pro to try. When it ends nothing is charged: keep Pro or carry on with Free, and nothing is deleted.
| App | Free plan | Paid plan, as published | Partner or household | Shared expenses and settle-up | India: rupee price and UPI | A year, USD |
|---|---|---|---|---|---|---|
| Traxpend | Free forever with unlimited expenses; 1 shared space of your own for up to 5 people, 3 months of history | $4.99/mo or $39.99/yr; ₹99/mo or ₹799/yr in India; local prices elsewhere, taxes included | Your partner gets Pro too, at no extra cost | Any group, fewest payments, on Free | Rupee pricing (₹799/yr) and UPI pay-back links | $39.99 |
| Splitwise | Free with ads and a daily limit on new expenses (Pro removes it) | Not listed on splitwise.com; reported at about $4.99/mo, varies by region | Each person subscribes separately (not listed as shared) | Yes: balances and simplified debts | Not listed | Not published |
| Spendee | Free Basic plan; shared wallets need a paid plan | Plus $1.99/mo or $14.99/yr; Premium $5.99/mo or $35.99/yr; 7-day trial | Shared wallets on Plus and Premium | Not listed | Not listed | $35.99 |
| Wallet by BudgetBakers | Free basic app | Premium monthly, yearly or lifetime; the price is shown in the app, not on the website | Not listed | Not listed | Not listed | Not published |
| Monarch | 7-day trial only | $14.99/mo or $99.99/yr | Household members included | Not listed | Not listed | $99.99 |
| YNAB | 34-day trial only | $14.99/mo or $109/yr | YNAB Together: up to 6 people | Not listed | Not listed | $109.00 |
Good to know
Is Traxpend the cheapest expense tracker?
Not always, and we say so: Spendee Plus is $14.99 a year. Traxpend Pro is $39.99 a year in the US and ₹799 in India, it covers your partner too, and its free plan never limits how many expenses you add.
Do I pay more if I share with my partner?
No. Pro covers you and the other person in your Partner space. Flatmates and friends can join your spaces on Free.
Is the price the final price?
Yes. The price on the page is what you pay, all taxes included, in your own currency.
Where do the other apps’ prices come from?
From each app's own pricing page or help centre, checked in October 2026. Where an app doesn't publish its price we say so, and link a third-party source only when it's the only one.
Sources
- Traxpend: traxpend.com/pricing (live prices for your country)
- Splitwise: splitwise.com/pro, what Pro unlocks (checked October 2026)
- Splitwise: Finny, Splitwise pricing 2026 (third-party summary)
- Spendee: spendee.com/premium, plans and prices (checked October 2026)
- Wallet by BudgetBakers: BudgetBakers help centre, everything about Premium (checked October 2026)
- Monarch: Monarch help centre, pricing
- Monarch: monarch.com, household sharing
- YNAB: ynab.com/pricing, plans, trial and YNAB Together