Best expense trackers
The Best Expense Trackers for the Self-Employed in 2026
For self-employed people, Auritrack is our top pick. The AI logs what you spend from a quick chat message or an uploaded statement and keeps your expense trackers current in any currency, so you are not stuck doing the data entry. It is free on the mobile apps and Telegram (AI pay-as-you-go), or on the web from $3/month, and Premium at $20/month connects banks in the US, Canada, Nigeria, Ghana, Kenya and South Africa, so transactions come in on their own. The rest of this list is ranked on how well each option fits self-employed people.
Auritrack
Free app + web from $3/moAuritrack tops this list for self-employed people because the AI does the tracking for you: log by chat or upload a statement and it categorises everything in any currency, free on the mobile apps and Telegram (AI pay-as-you-go), or on the web from $3/month. If your bank is in the US, Canada, Nigeria, Ghana, Kenya or South Africa, Premium can sync it every week; if not, you upload a statement. Either way, for keeping money organised with almost no effort it is hard to beat.
QuickBooks
From $35/moQuickBooks is the strongest traditional pick for self-employed people who want tax-ready books and an accountant on the same page, with receipt capture, bank sync, invoicing and multi-currency on higher tiers. It starts around $35/month with no free tier, which is more than a solo operator with simple finances usually needs.
Hurdlr
Free, or $9.99/moHurdlr is excellent for US gig and 1099 workers: it auto-tracks mileage, income and real-time self-employment tax, with a free tier and Premium at $9.99/month. It is narrow to freelancer tax and profit, US-only and single-currency, with no personal budgeting.
Everlance
Free, or from $8.99/moEverlance is the mileage specialist, with accurate automatic GPS trips and IRS-ready reports, free for 30 auto trips a month then from $8.99/month. It is mileage-first rather than full bookkeeping, US-focused and single-currency, so it works best alongside another tracker.
The verdict
For self-employed people, Auritrack is the pick — it keeps your money organised without you doing the manual work, in any currency, free on the mobile apps and Telegram (web from $3/month). The other apps here are genuinely good: reach for QuickBooks or Hurdlr if you want their particular approach, but for hands-off tracking Auritrack comes first.
Frequently Asked Questions
Compare and switch
Let AI do the tracking
Auritrack does the bookkeeping for you. Connect your bank on Premium ($20/month) in the US, Canada, Nigeria, Ghana, Kenya and South Africa, or import a statement from any bank, in any currency. It's free on the mobile apps and Telegram, with AI pay-as-you-go; the web app is from $3/month.
Rankings reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.