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Updated February 2026

Best Expense Tracker Apps
in Sri Lanka - 2026

We tested every expense tracker available in Sri Lanka — from international heavyweights to locally-built apps.

Most international tools (YNAB, Mint, PocketGuard) don't work here because Sri Lankan banks don't support open banking APIs.

These three made the cut because they're the only apps that are both functional and actively maintained for Sri Lankan users.

Last updated: February 2026.
This comparison is published by the Kiwi Money team. We've done our best to present each app fairly, including where our own product falls short. Got a correction? Email support@kiwi-money.com.

Our Top 3 Picks:

Scroll down for the full breakdown.

Kiwi Money LK icon
Kiwi Money LK

Track expenses automatically with bank SMS

4.8(52 ratings on iOS, 35 reviews on Google Play)

Automated expense tracker · Sri Lankan fintech

automatic SMS trackingSri Lankan banksprivacy-firstiOS & Android
Money Master Sri Lanka icon
Money Master Sri Lanka

Free budgeting and expense tracking for Sri Lanka

4.9(16 ratings on iOS, 33 reviews on Google Play)

Manual expense tracker · Free app

manual entrybudget plannerloan trackeriOS & Android
Money Manager by Realbyte icon
Money Manager by Realbyte

Detailed expense tracking with PC editing

4.7(443K reviews on Google Play)

Expense tracker · Global

PC editingmulti-currencydeep reports19 languages
TLDR;
  • If you bank with a major Sri Lankan bank and want your expenses tracked without lifting a finger, Kiwi Money is the only app that does this.
  • If you need a zero-cost solution and you're disciplined enough to log every transaction manually, Money Master is a solid free option built with the Sri Lankan context in mind.
  • If you want a mature, feature-rich tracker with PC editing and multi-currency support, Money Manager is the most proven tool globally.
Feature comparison

How They Stack Up

Feature comparison between Kiwi Money, Money Master, and Money Manager
Compare features
Kiwi Money LK
Automatic · Paid
Money Master
Manual · Free
Money Manager
Manual · Freemium
Automatic expense tracking
Transactions logged without manual entry
No bank login required
Works without sharing bank credentials
Built in Sri Lanka
Developed by a local team
Budget tracking
Set and monitor spending limits
Local merchant recognition
Auto-categorizes Sri Lankan merchants
Works offline
Full functionality without internet
Privacy-first (no cross-app tracking)
No third-party data collection
PC editing
Edit records from a desktop computer
App-by-app breakdown

A Closer Look at Each

Kiwi Money LK icon

Kiwi Money LK

Sri Lanka's first automated expense tracker. Built for local banks.

4.8(52 ratings on iOS, 35 reviews on Google Play)

Why we picked it

Kiwi Money is the only expense tracker in Sri Lanka that reads your bank SMS and logs transactions automatically. No manual entry, no bank login — just tap your card and the expense appears. For anyone with a supported bank, it eliminates the biggest friction point in expense tracking: remembering to log purchases.

Best for

People who bank with Commercial Bank, Sampath, HNB, BOC, or other supported banks and want a truly hands-free expense tracker that updates as you spend.

Watch out for

There’s no free tier after the 14-day trial, and cash transactions still need manual entry. People’s Bank and a few smaller banks aren’t supported yet.

Standout features

Automatic SMS expense tracking
AI merchant categorization
Works with 12+ Sri Lankan banks
No bank login required
Auto-updating budgets
On-device encrypted data
Pricing:$0.99/week · $14.99/year (~Rs. 400/mo) · $49.99 lifetime · 14-day free trial

“Previously, I tried various apps that required manual entry, which I often neglected. Kiwi Money’s automation features make expense tracking effortless.”

— iOS App Store review
Money Master Sri Lanka icon

Money Master Sri Lanka

Formerly Budget Master. Free manual tracker by Inoxza Solutions.

4.9(16 ratings on iOS, 33 reviews on Google Play)

Why we picked it

Money Master is the best free option for Sri Lankan users. Built locally by Inoxza Solutions, it packs an impressive feature set — loans, savings goals, credit card management, subscription tracking — all without charging a rupee on iOS. If you’re disciplined about manual entry, it covers more ground than most paid apps.

Best for

Budget-conscious users who want a full-featured financial toolkit — loans, savings goals, salary planning — without spending anything.

Watch out for

Every transaction must be typed by hand, with no automation whatsoever. Accuracy depends entirely on your discipline. The app is English-only with no Sinhala or Tamil support.

Standout features

Completely free on iOS
Loan & savings goal tracker
Credit card manager
Salary planner
Event budgeting
Google Drive backup
Pricing:Free — ad-free on iOS, ads on Android

“It was amazing experience. Full of features. Easy use. Great ui. Fast and great support”

— Google Play review
Money Manager by Realbyte icon

Money Manager by Realbyte

Global manual tracker with 10M+ downloads on Google Play. Korean developer.

4.7(443K reviews on Google Play)

Why we picked it

Money Manager is the most established option on this list, with over 10 million downloads globally. It offers more depth than most expense trackers — PC editing, multi-currency support, and detailed reports. If you want a mature, feature-rich tracker that goes beyond basic budgeting, this is it.

Best for

Users who want a proven, feature-rich expense tracker with PC editing, detailed reports, and multi-currency support.

Watch out for

It’s 100% manual entry with no Sri Lankan bank integration or local merchant recognition. The free version has ads, and cloud sync costs $2.49/month extra.

Standout features

Double-entry bookkeeping
PC editing for desktop reviews
Multi-currency support
Detailed charts & reports
Recurring transaction templates
19 language support
Pricing:Free with ads · Paid app to remove ads (one-time, varies by country) · $2.49/mo sync

“This is the best app of its kind. I definitely recommend it for daily use to keep track of spending. Simply amazing.”

— Google Play review
The verdict

Which App Fits You?

Kiwi Money LK

You want a Sri Lankan app that tracks your expenses automatically, and keeps your budgets updated in real time.

Ideal for:
  • Busy professionals with no time
  • Anyone who finds manual tracking difficult
Money Master SL

You want a free, Sri Lankan feature-packed budgeting app and don't mind entering transactions yourself.

Ideal for:
  • Students on a tight budget
  • First-time budgeters learning personal finance
Money Manager

You want a detailed, mature expense tracker with advanced features and a global track record.

Ideal for:
  • Anybody getting into money management
  • Detail-oriented planners
Common questions

Frequently Asked Questions

Kiwi Money is the only expense tracker in Sri Lanka that does this. It reads transaction SMS from Commercial Bank, Sampath, HNB, BOC, NTB, Seylan, DFCC, HSBC, Standard Chartered, NSB, Genie, and Dialog Finance. Apps like Mint and YNAB need bank API connections that don't exist in Sri Lanka.