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Top Budgeting Apps to Help You Track Your Finances in India

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Managing money wisely is essential, especially in a fast-paced economy like India’s, where monthly expenses, EMIs, and lifestyle costs can add up quickly. Thankfully, budgeting apps have made it much easier for Indians to take control of their finances—from tracking daily expenses to planning savings and investments.

If you’re looking to better manage your income, cut down on unnecessary spending, and grow your savings, here are the top budgeting apps available in India to help you stay financially fit.

1. Walnut

Best for: Automatic expense tracking via SMS
Platforms: Android, iOS
Price: Free

Walnut is one of the most popular Indian expense tracking apps. It automatically reads your SMS alerts from banks and credit cards to categorize your spending. You can set budget limits, split bills, and even pay your credit card bills directly through the app.

Key features:

  • Automatic SMS-based expense tracking

  • Monthly budget limits

  • Bill reminders and credit card bill payment

  • Spend analytics and graphs

  • Bharat BillPay integration

2. Money Manager Expense & Budget

Best for: Simple UI and detailed transaction logging
Platforms: Android, iOS
Price: Free (with in-app purchases)

Money Manager offers a clean, easy-to-use interface perfect for users who want manual control over their income and spending. It allows you to log transactions, view weekly/monthly financial reports, and set custom categories.

Key features:

  • Easy transaction input

  • Budget setting by category

  • Graph-based analytics

  • Password protection and backup support

  • Double-entry bookkeeping support

3. ET Money

Best for: Expense tracking + investments
Platforms: Android, iOS
Price: Free

ET Money goes beyond budgeting. It tracks your expenses through SMS parsing and lets you invest in mutual funds, buy insurance, and even track your credit score. It’s ideal for users looking to combine financial tracking with wealth building.

Key features:

  • Automatic expense tracking

  • Mutual fund investing (zero commission)

  • Insurance suggestions

  • Credit score checks

  • Personalized money insights

4. Spendee

Best for: Shared budgets and multi-currency use
Platforms: Android, iOS, Web
Price: Free (Premium from ₹199/month)

Spendee is a visually appealing app that allows users to track cash and bank spending manually or through bank sync (available with some Indian banks). It’s great for individuals and families who want to manage shared budgets.

Key features:

  • Visual insights and spending charts

  • Shared wallets for family or partners

  • Multi-currency support

  • Custom categories and budget alerts

5. Monefy

Best for: Quick expense entry
Platforms: Android, iOS
Price: Free (Pro version available)

If you’re looking for speed and simplicity, Monefy is a great pick. It doesn’t offer automatic syncing or investment features but allows you to quickly add expenses with a single tap, making it great for busy users.

Key features:

  • Simple and fast interface

  • Expense breakdown by category

  • Budget tracking

  • Cloud backup options (Dropbox, Google Drive)

  • Multiple accounts and currencies

6. Bajaj Finserv Money

Best for: Expense tracking + loans and financial planning
Platforms: Android, iOS
Price: Free

This app from Bajaj Finserv combines budgeting tools with access to financial products. You can track expenses, check your credit score, apply for loans, and plan investments—all within a single app.

Key features:

  • Expense tracking

  • Financial product recommendations

  • Credit score checker

  • Loan and insurance services

  • Goal-based planning

Final Thoughts

In a digitally connected and financially active country like India, choosing the right budgeting app can help you take charge of your financial life. Whether you’re a salaried professional, freelancer, or student, these apps can help you:

  • Track your daily expenses

  • Set realistic budgets

  • Avoid overspending

  • Save and invest smarter

Pick an app that matches your comfort level—automated for hands-off users, manual for those who want full control—and start building better financial habits today.

Pro Tip: Always check app permissions before installing. Some apps access SMS or bank data to function, so ensure your privacy is protected.