1. Walnut
Best For: Expense tracking and bill reminders
Platform: Android, iOS
Price: Free (with in-app purchases)
Walnut is one of India’s most popular expense tracking apps. It automatically reads your SMS inbox to detect expenses, credit card bills, and even travel bookings. Users can categorize spending, set budgets, and get monthly insights.
Top Features:
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Auto-tracks expenses from SMS
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Bill split feature for shared payments
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Visual spending insights
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Bank balance tracking
2. Money Manager (Money Lover)
Best For: Clean UI and international usability
Platform: Android, iOS
Price: Free (Premium version available)
Although not India-specific, Money Manager is widely used across the country. It offers easy-to-use charts, budgeting tools, and cloud backup.
Top Features:
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Expense calendar view
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Budget planning and alerts
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Sync across devices
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Multiple currency support
3. ET Money
Best For: Budgeting + Investment tracking
Platform: Android, iOS
Price: Free
Backed by the Times Group, ET Money goes beyond budgeting. It helps you plan your expenses, invest in mutual funds, buy insurance, and track credit scores—making it a true all-in-one financial app.
Top Features:
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Automated expense tracking
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Smart budgeting suggestions
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Investment tracking
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Tax-saving recommendations
4. Goodbudget
Best For: Envelope-style budgeting
Platform: Android, iOS, Web
Price: Free (Premium version available)
Inspired by the envelope budgeting method, Goodbudget lets you allocate your income into virtual envelopes (like Rent, Groceries, Utilities, etc.) and track your spending accordingly.
Top Features:
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Ideal for couples/families budgeting together
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Manual expense entry (no SMS access)
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Real-time sync between multiple devices
5. Bajaj Finserv Money
Best For: Financial planning with credit insights
Platform: Android, iOS
Price: Free
Bajaj Finserv’s app brings budgeting and credit tracking together. Alongside budget management, it offers personalized financial advice and insights based on your spending habits.
Top Features:
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Credit score tracking
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AI-based insights
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Spending patterns & alerts
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Easy EMI management
6. Monefy
Best For: Minimalist design lovers
Platform: Android, iOS
Price: Free (Premium version available)
If you’re looking for a simple, no-fuss app, Monefy is a favorite among users for its intuitive interface. It’s perfect for those who like to manually input expenses and get a quick visual snapshot of their budget.
Top Features:
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One-tap expense entry
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Budget and goal setting
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Currency customization
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Offline mode
7. Cube Wealth
Best For: Budgeting with investment goals
Platform: Android, iOS
Price: Free
Cube Wealth is ideal for working professionals and new investors who want to manage spending and invest smartly. It offers budgeting tools alongside curated investment options.
Top Features:
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Financial advisor access
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Goal-based savings plans
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Smart alerts and reminders
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SIP and mutual fund integration
Final Thoughts
In 2025, budgeting is not just about tracking expenses—it’s about building smarter financial habits, setting clear goals, and making informed decisions. Whether you’re looking for simple tracking or an all-in-one financial planning solution, there’s a budgeting app tailored to your needs in India.
Tip: Start small. Choose one app that suits your lifestyle, use it consistently for a month, and watch how it transforms your money habits.
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