A short, honest guide. The real split is manual (you type spends in) versus automatic (something logs them for you) — and that difference is usually why people stick with a tracker or quietly quit.
Apps where you enter each expense yourself. Flexible, but most people stop because typing every spend is tedious.
Shows transactions, but as cryptic codes, and only for that one bank. No single view across cards and PayNow.
Tab reads the payment-alert emails your bank already sends, asks you once on Telegram what each spend was, then auto-logs repeats. It splits bills over PayNow, flags subscriptions and duplicates, does budgets, a 9pm recap and CSV export. Free, built for Singapore. Its trade-off: it needs read-only access to your bank alert emails, which you can revoke any time.
The one you don't have to maintain — an automatic one, since manual logging is why most people quit.
It reads alerts from the senders it supports (OCBC, DBS/POSB, PayLah!, YouTrip, Grab, Shopee, PayPal, ShopBack).
Yes, Tab is free and built for Singapore.
Tap to pay. Tab to remember.
Free, built for Singapore. Runs on Telegram.
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Tab · Built for Singapore · Last updated November 2026 · Privacy · Terms