Best Personal Finance & Budgeting Apps in India (2025)

Managing money in the digital age has become easier than ever thanks to a host of intuitive and powerful budgeting apps. Whether you’re looking to save more, track expenses, or analyze your spending habits, the right personal finance app can be a game-changer. In this blog post, we’ve rounded up the best personal finance and budgeting apps in India for 2025 — all tested, reviewed, and trusted by millions of users.

1. Walnut – India’s Favourite Expense Tracker

Walnut is a smart money manager that tracks your expenses automatically by reading your SMS messages. It categorizes spending, sends reminders for bills, and shows monthly insights — all without needing bank access.

• Key Features: Auto expense tracking, Bill reminders, Split bills with friends
• Rating: 4.5★ on Play Store
• Best For: Beginners who want an easy visual tracker

2. Money Manager Expense & Budget

This app is popular for its clean interface and graph-based financial reporting. While not India-specific, its support for multiple currencies, passcode protection, and budgeting tools makes it ideal for professionals and freelancers.

• Key Features: Daily ledger, Charts, Asset management
• Rating: 4.8★ on Android
• Best For: Detailed control and cash-based accounting

3. Goodbudget

Goodbudget follows the envelope budgeting system. You can assign monthly budgets to various categories and manually enter expenses. It promotes mindful spending, ideal for couples or families managing shared finances.

• Key Features: Envelope system, Sync across devices, Expense planning
• Rating: 4.4★ on Android
• Best For: Couples or manual budget planners

4. CRED – For Credit Card Users

CRED is more than just a finance tracker. It lets you pay your credit card bills while offering cashback and reward points. It also provides detailed statements, due date reminders, and a credit score checker.

• Key Features: Bill reminders, Reward points, Credit score monitoring
• Rating: 4.6★
• Best For: Responsible credit card users

5. INDmoney – Investment + Expense Tracker

INDmoney is an all-in-one wealth management app. It helps you track net worth, mutual funds, stocks, expenses, and also offers goal-based financial planning. Plus, it supports Indian and international investments.

• Key Features: Tracks mutual funds, SIPs, stocks, expenses
• Bonus: Zero commission investing + credit score insights
• Best For: Investors looking for a 360° view of finances

6. ET Money – Smart Budgeting & Investments

Powered by the Economic Times group, ET Money lets you automate mutual fund investing, buy insurance, and analyze spending. Its categorization of expenses is excellent for budgeters and long-term planners.

• Key Features: Investment planner, Auto SIP, Insurance, NPS, Expense tracking
• Best For: Salaried users and investment-focused individuals

7. YNAB (You Need A Budget)

YNAB is a premium budgeting app based on the philosophy of assigning every rupee a job. Though it’s paid, it’s worth it for users who want to gain total control over their finances and break the paycheck-to-paycheck cycle.

• Key Features: Budgeting goals, Real-time tracking, Debt payoff tools
• Free Trial: 34 days
• Best For: Serious budgeters

How to Choose the Right Finance App?

While all the above apps are useful, your choice depends on your lifestyle. Ask yourself:

• Do you prefer auto-tracking (Walnut) or manual input (Goodbudget)?
• Do you want investment support (INDmoney, ET Money)?
• Do you use credit cards frequently (CRED)?

Start by tracking your expenses for one month. Then explore budgeting and investment features slowly. Don’t rely on just one app. Combine 2-3 based on your use case.

Conclusion

In 2025, budgeting is no longer boring. These personal finance apps empower you to take charge of your money, save smarter, and achieve your financial goals. Whether you’re a student, professional, or entrepreneur — there’s an app that fits your needs.

Have you used any of these apps? Share your experience in the comments or let us know your favorite finance app!

FAQs

• Q: Are these apps free?
  A: Most are free or offer a free version. Some offer premium upgrades.
• Q: Can I track my bank accounts automatically?
  A: Yes, apps like INDmoney and ET Money support automatic sync.
• Q: Are these apps safe?
  A: Always use apps with RBI-compliant data policies and strong user reviews.