Smart Tools to Manage Your Money Better
Living in the UAE can be expensive — from rent and groceries to travel and entertainment. Whether you’re in Abu Dhabi, Dubai, or Sharjah, managing your money wisely is crucial.
Thankfully, saving apps are making it easier than ever to track spending, budget smartly, and grow your savings — right from your smartphone.
In this post, we’ll explore the 7 best saving apps in UAE for 2025, tested and trusted by locals and expats alike.
1. 📊 Wally – Personal Finance Tracker
Platform: iOS & Android
Best For: Expense tracking + budget insights
Why it’s great:
Wally connects directly with your UAE bank accounts, tracks your spending habits, and gives powerful visual insights into where your money goes.
Features:
- Track income & expenses
- Set saving goals
- AI-powered category breakdowns
- Currency support for AED
Price: Free (Premium available)
2. 🪙 Monefy – Easy Budget Manager
Platform: Android & iOS
Best For: Quick manual expense logging
Why UAE users love it:
Monefy makes budgeting super visual and simple. You just tap to add an expense – no login or complex setup needed.
Features:
- Color-coded category pie charts
- One-tap input
- Multi-device sync
- Password-protection
Price: Free | Pro version for AED 11.99
3. 🏦 Emirates NBD Liv App
Platform: Android & iOS
Best For: Banking + lifestyle + smart saving
Why it stands out:
Built by Emirates NBD, Liv is more than a bank app — it includes built-in saving rules, spend trackers, and offers in UAE.
Top Features:
- Create “Saving Goals” with automation
- Instant bill tracking
- Cashback offers on UAE merchants
- Easy mobile banking
Price: Free (requires Emirates NBD account)
4. 🧮 YNAB – You Need A Budget
Platform: All devices
Best For: Advanced budget planning
Global app, UAE-friendly:
YNAB uses a zero-based budgeting system. It’s best for disciplined savers looking to assign every dirham a purpose.
Why use it in UAE:
- Custom categories for UAE lifestyle
- Set AED budgets
- Insightful reports & trends
Price: $14.99/month (~AED 55)
Free trial: 34 days
5. 📈 Spendy – Expense & Budget Manager
Platform: Android
Best For: Budgeting on a simple interface
UAE perks:
With support for AED, Spendy offers smart graphs to track daily/monthly spend — perfect for students, freelancers, or anyone starting out.
Features:
- Shared wallet for family use
- Offline mode
- Custom recurring expenses
Price: Free with in-app purchases
6. 🌐 Simpel – UAE Budgeting & Bill Tracking
Platform: iOS & Android
Locally Built for UAE Users
Why it’s unique:
Simpel connects with Etisalat, DEWA, and other UAE services, helping you track utility bills, rent, and salary flow in one app.
Features:
- Bill reminders
- Track loans or credit payments
- Dashboard with salary/saving %
- Designed for AED & UAE cost-of-living
Price: Free (Limited); Premium AED 9/month
7. 🧾 GoodBudget
Platform: Web, Android, iOS
Best For: Envelope-style cash budgeting
How it helps in UAE:
Perfect if you prefer the old-school “envelope method” to plan monthly expenses — food, rent, transport, etc.
Features:
- Share budgets with family/spouse
- Plan ahead for expenses
- Great for couples or parents
Price: Free | Premium AED 25/month
🔎 Bonus Tip: Use Multiple Apps Together
Many UAE residents use two apps:
- One for automatic expense tracking (like Wally or Liv)
- Another for manual budget planning (like Monefy or GoodBudget)
This combination gives you control + clarity.
✅ Which App Is Right for You?
| App | Best For | Cost |
|---|---|---|
| Wally | Automated finance tracking | Free |
| Liv (ENBD) | All-in-one banking + saving | Free |
| Monefy | Quick & easy daily budgeting | Free/Pro |
| YNAB | Discipline + deep planning | Paid |
| Simpel | Local UAE-specific bills & savings | Free/Premium |
| GoodBudget | Family/couple budgeting | Free/Premium |
| Spendy | Beginner-friendly | Free |
📌 Final Thoughts
Saving money in the UAE doesn’t have to be hard — especially when technology can guide you. These saving apps in UAE are designed to suit different lifestyles: whether you’re a student, entrepreneur, or busy parent.
💡 Start with 1 or 2 apps that match your goals. The more aware you are of your spending, the more you’ll save.
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