Top 10 Budgeting Apps in India for 2025
Why Budgeting Apps Matter in 2025
Managing money isn’t just about cutting costs—it’s about knowing where your money goes and making smarter choices. With UPI payments, online shopping, and subscription services everywhere, tracking expenses manually is almost impossible. That’s where budgeting apps come in—they automate tracking, set spending limits, and help you save without stress.
What Makes a Great Budgeting App?
- Automatic Expense Tracking – Reads SMS or syncs with banks to log spends.
- Goal Setting – Helps you save for that vacation or emergency fund.
- Alerts & Reminders – Warns you before you overspend.
- Data Privacy – Your financial info stays secure.
Top 10 Budgeting Apps in India for 2025
1. Walnut (Axio)
Why you’ll love it: Reads SMS to auto-track expenses, reminds you of bills, and splits expenses with friends.
Best for: UPI-heavy users who want quick setup.
Pro Tip: Use its bill reminder feature to avoid late fees.
2. Money View
Why you’ll love it: Tracks expenses, EMIs, and even shows your credit score.
Best for: Salaried professionals juggling multiple accounts.
Pro Tip: Set monthly caps for food and shopping categories.
3. ET Money
Why you’ll love it: Combines budgeting with investments and tax-saving tools.
Best for: People who want everything in one app.
Pro Tip: Start a SIP directly from the app for long-term goals.
4. Goodbudget
Why you’ll love it: Envelope budgeting for disciplined spenders.
Best for: Families or couples managing shared expenses.
Pro Tip: Assign envelopes for groceries, dining, and entertainment.
5. Money Manager
Why you’ll love it: Beautiful charts and manual control for detail lovers.
Best for: Users who prefer hands-on tracking.
Pro Tip: Review weekly charts to spot spending leaks.
6. Monefy
Why you’ll love it: Quick expense entry and clean visuals.
Best for: Students and beginners.
Pro Tip: Use color-coded categories for clarity.
7. YNAB (You Need A Budget)
Why you’ll love it: Zero-based budgeting for serious planners.
Best for: Freelancers and debt payoff warriors.
Pro Tip: Allocate every rupee a job—no idle money!
8. Wallet (BudgetBakers)
Why you’ll love it: Tracks cash flow and net worth.
Best for: Users who want deep analytics.
Pro Tip: Sync multiple accounts for a full financial picture.
9. Fi Money
Why you’ll love it: Smart “Jars” for goals and rewards.
Best for: Digital-first users who love automation.
Pro Tip: Set up auto-savings on payday.
10. PhonePe / Google Pay Insights
Why you’ll love it: Basic spend tracking built into your UPI apps.
Best for: People who want lightweight insights without extra apps.
Pro Tip: Check monthly spend summaries to stay aware.
Comparison Table
| App | Best For | Key Feature |
|---|---|---|
| Walnut | Quick SMS-based tracking | Bill reminders, expense auto-capture |
| Money View | Salaried professionals | EMI tracking, credit score |
| ET Money | All-in-one finance | Budget + investments + tax tools |
| Goodbudget | Families/couples | Envelope budgeting |
| Money Manager | Manual control lovers | Charts and detailed reports |
| Monefy | Students/beginners | Quick expense entry |
| YNAB | Strict planners | Zero-based budgeting |
| Wallet | Analytics seekers | Cash flow and net worth |
| Fi Money | Digital-first users | Goal jars and automation |
| PhonePe/GPay | UPI users | Basic spend insights |
Adviser’s 30-Day Savings Plan
- Week 1: Install Walnut or Money View and track every expense.
- Week 2: Set category caps (Dining ₹3,000, Shopping ₹2,000).
- Week 3: Auto-save ₹3,000 in Fi Money or start a SIP in ET Money.
- Week 4: Review reports and cut unnecessary subscriptions.
Final Thoughts
Budgeting apps aren’t just tools—they’re your financial partners. Start today, track everything for a month, and you’ll see the difference: less stress, more savings, and smarter money habits.
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