Money Lover

Money Lover doesn’t connect to US banks the way Plaid-based apps do, so most US users end up entering transactions by hand or importing them in bulk. What it does well is letting you build categories that actually match how you spend, rather than forcing transactions into a fixed list designed somewhere else. Google has featured it as an Editor’s Choice pick on the Play Store for several years running, a sign of consistent quality even without the bank integrations US users might expect from a finance app.

A free tier covers the core tracking and budgeting, while a paid subscription adds extra reports, more wallets, and removes ads. The lack of live bank sync is a real limitation for someone who wants a hands-off tool, but it also means the data is exactly what you typed, no miscategorized transactions from an automated feed guessing wrong. It suits people who don’t mind logging purchases themselves and want flexibility in how their categories are organized, more than someone who wants to connect a Chase account and never think about it again.