Original research · Updated 2026-09-23

Budget App Privacy Audit

We analysed the Android build of 40 budgeting and expense apps and counted the tracking code inside each one. Of the 23 budgeting apps with an analysis from the last 18 months, 87% ship at least one tracker and 52% carry advertising trackers. Every row links to its source report so you can check our work.

87%
contain tracking code
52%
carry advertising trackers
3.9
trackers per app, on average
3
have none at all

Headline figures cover the 23 budgeting apps with a current analysis. The table lists all 40, including older reports and adjacent app types, each labelled.

What we found

More than half of current budgeting apps carry advertising trackers. 12 of the 23 budgeting apps with a recent analysis ship code whose purpose is to serve or target ads — inside an app you use to manage your money.

87% contain at least one tracker, and the average across all 23 is 3.9. 4 carry profiling trackers and 4 carry identification trackers, which exist to tie activity to a specific person rather than measure aggregate usage.

Google's code is in 19 of the 23. Firebase Analytics appears in 18 of 23 current budgeting apps, Crashlytics in 13, and AdMob — which serves ads — in 12.

The heaviest is Money Manager by Realbyte, with 15 trackers in a build analysed in September 2026, including AdMob, Facebook Ads, Unity3d Ads, ironSource and PubNative. Google Play lists it at more than 10 million downloads.

Open source apps average 1.2 trackers; the rest average 4.7. The gap is consistent across the whole table, but treat it as indicative: only 5 open-source apps have a current analysis.

For historical context: the last analysed Android build of Mint, from April 2024, shortly after shutdown, contained 8 trackers including AdMob and location tracking. We have left it in the table as a baseline. Note that several well-known alternatives in this set were last analysed years ago, so their numbers describe an old build, not today's — the report date on each row tells you which.

The full data

Showing 40 of 40 apps. Click a column heading to sort.

What they doSource
Money Manager (Realbyte)
com.realbyteapps.moneymanagerfree
15
adsprofilingidentification
AdFit (Daum), Amazon Advertisement, AppLovin (MAX and SparkLabs), ChartBoost, Facebook Ads, Google AdMob, Google Analytics, Google CrashLytics, Google Firebase Analytics, Google Tag Manager, IAB Open Measurement, ironSource, OpenTelemetry (OpenCensus, OpenTracing), PubNative, Unity3d Ads
27 v4.12.12
Sept. 13, 2026
Monarch Money
com.monarchmoney.mobile
10
profilingidentification
Amplitude, Facebook Analytics, Facebook Flipper, Facebook Login, Facebook Share, fullstory, Google Firebase Analytics, Segment, Sentry, Singular
37 v1.0.106
Jan. 15, 2023
44 mo old
Empower (Personal Capital)
com.personalcapital.pcapandroid
Credit & wealth
9
identification
Facebook Login, Facebook Places, Facebook Share, Google Analytics, Google CrashLytics, Google Firebase Analytics, Google Tag Manager, MixPanel, Singular
23 v10.9.1
June 25, 2022
51 mo old
Mint (shut down 2024)
com.mint
8
adsprofilinglocation
Appdynamics, Braze (formerly Appboy), Google AdMob, Google CrashLytics, Google Firebase Analytics, OpenTelemetry (OpenCensus, OpenTracing), Qualtrics, Segment
20 v1000.57.0
April 13, 2024
29 mo old
Mobills
br.com.gerenciadorfinanceiro.controller
8
adsidentification
AltBeacon, Facebook Analytics, Facebook Login, Google AdMob, Google CrashLytics, Google Firebase Analytics, Salesforce Marketing Cloud, Wootric
25 v6.6.0
Jan. 26, 2026
Tricount
com.tribab.tricount.android
Bill splitting
8
adsprofilingidentificationlocation
Adjust, Amplitude, Facebook Login, Google Analytics, Google Firebase Analytics, Google Tag Manager, Huawei Mobile Services (HMS) Core, Sentry
46 v14.0.3
July 21, 2026
AndroMoney
com.kpmoney.android
7
ads
Facebook Ads, Google AdMob, Google Analytics, Google CrashLytics, Google Firebase Analytics, Google Tag Manager, OpenTelemetry (OpenCensus, OpenTracing)
23 v3a.13.45
Sept. 15, 2026
Spendee
com.cleevio.spendee
7
adsidentification
Facebook Analytics, Facebook Login, Facebook Share, Google AdMob, Google CrashLytics, Google Firebase Analytics, Sentry
30 v6.0.3
Sept. 15, 2026
Toshl Finance
com.thirdframestudios.android.expensoor
7
identification
Facebook Analytics, Facebook Login, Facebook Share, Google Analytics, Google CrashLytics, Google Firebase Analytics, Google Tag Manager
20 v3.5.19
May 13, 2024
28 mo old
Wallet by BudgetBakers
com.droid4you.application.wallet
7
identification
Facebook Analytics, Facebook Login, Facebook Share, Google CrashLytics, Google Firebase Analytics, MixPanel, MoEngage
33 v9.3.11
Sept. 21, 2026
Credit Karma
com.creditkarma.mobile
Credit & wealth
5
profilinglocation
Google CrashLytics, Google Firebase Analytics, OpenTelemetry (OpenCensus, OpenTracing), Segment, Zendrive
32 v24.47.1
Nov. 24, 2024
22 mo old
Expensify
org.me.mobiexpensifyg
Business expenses
5
fullstory, Google Firebase Analytics, Pusher, Sentry, Urbanairship
37 v9.4.76-1
Sept. 15, 2026
Fintonic
com.fintonic
5
adsprofilinglocation
AppsFlyer, Google AdMob, Google CrashLytics, Google Firebase Analytics, LeanPlum
22 v6.9.9.3
Dec. 7, 2021
58 mo old
Money Lover
com.bookmark.money
5
adsprofilinglocation
CleverTap, Google AdMob, Google CrashLytics, Google Firebase Analytics, OpenTelemetry (OpenCensus, OpenTracing)
25 v8.78.0.171
Sept. 15, 2026
Bluecoins
com.rammigsoftware.bluecoins
4
ads
Google AdMob, Google CrashLytics, Google Firebase Analytics, OpenTelemetry (OpenCensus, OpenTracing)
20 v13.1.65
Sept. 15, 2026
EveryDollar
com.everydollar.android
4
AppsFlyer, Dynatrace, Microsoft Visual Studio App Center Analytics, Microsoft Visual Studio App Center Crashes
11 v2024.05.161355
May 17, 2024
28 mo old
Expense Manager (ithebk)
com.ithebk.expensemanager
4
ads
Google AdMob, Google CrashLytics, Google Firebase Analytics, Sentry
16 v0.6.3
Feb. 23, 2026
Monefy
com.monefy.app.lite
4
Google CrashLytics, Google Firebase Analytics, OpenTelemetry (OpenCensus, OpenTracing), Sentry
13 v1.22.11
Aug. 17, 2026
My ExpensesOSS
org.totschnig.myexpenses
4
ads
ACRA, Google AdMob, Google CrashLytics, Google Firebase Analytics
29 v4.1.1.2
Aug. 29, 2026
PocketSmith
com.pocketsmith.app
4
Google Firebase Analytics, MixPanel, Pusher, Raygun
11 v3.5.4
Aug. 28, 2025
Settle Up
cz.destil.settleup
Bill splitting
4
ads
Facebook Ads, Google AdMob, Google CrashLytics, Google Firebase Analytics
19 v11.0.2280
Aug. 24, 2026
Spending Tracker
com.mhriley.spendingtracker
4
ads
Amazon Advertisement, Google AdMob, Google Firebase Analytics, Microsoft Visual Studio App Center Crashes
17 v2.7
April 27, 2025
Fast Budget
com.blodhgard.easybudget
3
ads
Google AdMob, Google CrashLytics, Google Firebase Analytics
19 v6.15.1
Sept. 26, 2025
Money Pro
com.ibearsoft.moneyproandroid
3
Amazon Mobile Analytics (Amplify), Google CrashLytics, Google Firebase Analytics
17 v2.11.65
July 9, 2026
SAP Concur
com.concur.breeze
Business expenses
3
Adobe Experience Cloud, Apptentive, Dynatrace
39 v10.34.2
Aug. 24, 2026
YNAB
com.youneedabudget.evergreen.app
3
profiling
Amplitude, Bugsnag, Google Firebase Analytics
20 v26.34.0
Sept. 15, 2026
1Money
org.pixelrush.moneyiq
2
Google CrashLytics, Google Firebase Analytics
15 v3.1.7
Nov. 10, 2024
22 mo old
Expense IQ
com.handyapps.expenseiq
2
ads
Google AdMob, Google Firebase Analytics
24 v2.3.12
Sept. 15, 2026
Expense Manager
com.expensemanager
2
ads
Google AdMob, Google Firebase Analytics
13 v3.11.6
May 19, 2026
Goodbudget
com.dayspringtech.envelopes
2
Google Analytics, Google Firebase Analytics
12 v2.24.26013
Aug. 12, 2026
Splitwise
com.Splitwise.SplitwiseMobile
Bill splitting
2
Amazon Analytics (Amazon insights), Google CrashLytics
18 v26.8.3
Sept. 22, 2026
GnuCashOSS
org.gnucash.android
1
Google CrashLytics
7 v2.4.0
Oct. 13, 2018
95 mo old
Ivy WalletOSS
com.ivy.wallet
1
Google CrashLytics
16 v2025.07.17
Aug. 2, 2025
Money Manager ExOSS
com.money.manager.ex
1
profiling
Amplitude
12 v5.5.12-release
Sept. 15, 2026
CashewOSS
com.budget.tracker_app
0 no tracking code found14 v6.6.11
Aug. 13, 2026
FinancistoOSS
ru.orangesoftware.financisto
0 no tracking code found12 v1.8.2
March 3, 2019
91 mo old
Money TrackerOSS
com.blogspot.e_kanivets.moneytracker
0 no tracking code found1 v2.3.0
April 15, 2026
MoneyBook
com.moneybook.app
0 no tracking code found4 v1.0.3
June 19, 2025
MoneyWalletOSS
com.oriondev.moneywallet
0 no tracking code found8 v4.0.5.10
Dec. 5, 2021
58 mo old
Zoho Expense
com.zoho.expense
Business expenses
0 no tracking code found29 v3.9.7
Aug. 24, 2026

Methodology

Tracker and permission data comes from Exodus Privacy, a non-profit that performs static analysis on Android APKs and publishes the results. We did not generate these numbers ourselves — we collected, categorised and cross-compared them, and every row links to the underlying report.

A "tracker" is a piece of third-party code whose purpose is to collect data about the user or their usage. Exodus detects these by code signature in the shipped binary. Categories — advertising, profiling, identification, location, analytics, crash reporting — are Exodus's own classification.

What this measures, and what it does not:

  • — The presence of tracking code is not proof that data is sold. It shows what the app is technically equipped to collect.
  • — Crash reporting and analytics are counted as trackers. Many are benign. That is why we separate advertising, profiling and identification, which are not.
  • — This is Android only. iOS builds can differ, and some apps in these categories ship on iOS alone.
  • — Figures are for the app version listed, on the date listed. Apps change. We re-check quarterly.
  • — Apps with no Android build, including web apps, cannot be analysed this way and are not in the table.

On our own app: BudgetVault is a web app with no Android binary, so it cannot be measured by this method, and we have kept it out of the table rather than score ourselves by a different standard. For the record, our site and app load two analytics services: Google Analytics 4 and Vercel Analytics. Google Analytics receives page views and feature events — for example, that a transaction was added and whether it was income or expense. It never receives amounts, descriptions, categories or balances; those stay in your browser. Our privacy policy lists exactly what each service receives.

Use this data

Free to cite and quote with a link to this page. The compiled dataset is available as JSON; the underlying reports belong to Exodus Privacy and are linked row by row.

Related reading: which budget apps sell your data, what Plaid actually does, budget apps that don't need a bank account, and Mint alternatives compared.