Best Personal Finance Apps in India (2025 Edition): Manage Money Like a Pro

Introduction:

Let’s admit it—managing money is hard. Everyone wants to avoid debt, save more, spend less, and invest better. However, personal finance frequently seems like a daunting task due to the abundance of information, complicated financial language, and growing expenses.

Fortunately, your smartphone may serve as your financial advisor in this day and age. Thanks to clever apps, even a college student or a first-time earner can now track costs, set budgets, invest in mutual funds, and plan for their future — all from one screen.

In this article, we analyse the top personal finance apps available in India in 2025 according to their features, usability, security, and target audience.

Why Use a Personal Finance App in 2025?

Let’s examine the significance of the apps before delving into them:

• Automation: There is no longer a need to manually record expenses.
• Clarity: You’ll be able to track your money’s progress in real time.
• Goal-based Saving: Make plans for your emergency fund or that trip to Goa.
• Smart Investing: With just ₹100, you may now invest in equities, mutual funds, or gold using a variety of applications.
• Monitor your credit score to keep your credit sound and prepared for loans.
• Never miss a payment again with bill reminders and auto-pay.

There is an app for everyone, be it a student, freelancer, business owner, or salaried employee.

1. Walnut – Expense Tracker & Budgeting Genius

Ideal For: Tracking expenses and gaining insights on spending

“Where did I lose all of my money?” Walnut will respond to it if it’s a weekly notion.

Why It Is Unique:

• Keep track of your UPI and SMS communications automatically to document your expenditures.
• Makes categories, such as shopping, bills, and food.
• Smart notifications when you overspend, along with a monthly spend analysis.
• Remind yourself to pay your bills (credit cards, electricity, etc.)

Free / Freemium | Android only

2. Money View – All-in-One Budget Buddy

Best For: Budgeting, personal loans, and credit tracking

What Makes It Cool:

• Syncs all your accounts (bank, wallets, cards)
• Provides personal loans using the app itself.
• Displays the credit score along with recommendations for raising it.
• Every rupee you spend is categorised.

Free with optional loan services | Android & iOS

3. ET Money – For the Smart Investor

Best For: Mutual fund investments + expense tracking

Key features :

• Investments in mutual funds with zero commissions.
• Goal-based investment options combined with automated SIP tracking.
• Insurance recommendations according to lifestyle.
• Integrated expense management.

Why You’ll Love It: 

ET Money is there to guide you if you’re new to investing. With a single tap, you may invest, monitor, and even terminate SIPs. First-time investors and salaried millennials will find it ideal.

Free | Android & iOS

4. Groww – Investing Made Simple

Best For: Stocks, mutual funds, and digital gold

Features That Matter:

• Easy-to-use interface ideal for novices.
• Invest in stocks, mutual funds, and even US stocks these days.
• Real-time SIP tracking and tax-saving ELSS alternatives.
• Access to the portfolio at all times.

Why You’ll Love It:

Groww is similar to Swiggy for investing in that it doesn’t use complicated graphs or fancy terminology. Simply tap, swipe, and expand (pun intended). Ideal for people beginning their financial adventure in their 20s.

Free | Android, iOS & Web

5. Cred – For Credit Card Masters

Best For: Paying credit card bills & rewards

Features:

• Keep track of every credit card payment you make.
• With a single tap, it can pay bills and send reminders.
• Rewards each rupee paid with reward coins.
• Displays your credit history and score.

Real Talk:

We all detest late penalties on credit cards. Cred rewards you for being accountable and ensures that you never miss a deadline. It’s smooth, elegant, and gives you the impression that you belong to a select group.

Free (invite-based) | Android & iOS

6. Paytm Money – Everything Under One Roof

Best For: Mutual funds, NPS, stocks, F&O

What’s Inside:

• Invest directly in mutual funds.
• Investing in stocks and ETFs.
• Help from the National Pension Scheme (NPS).
• Current market information.

Individuals Review: Paytm Money is your one-stop shop if you want to try out various investing tools without having to download multiple apps. Additionally, this integrates seamlessly if you currently use Paytm for UPI.

Free | Android, iOS, and Web

7. Bajaj Finserv App – For Loans, Insurance & Investments

Best For: Holistic finance management

Why You Might Like It:

• Apply for loans right away.
• Purchase life, health, and auto insurance.
• Invest in digital gold, SIPs, and FDs.
• Pay your invoices and EMIs.

Humanised Note: This is an ecosystem for personal money, not just a financial app. Bajaj Finserv makes it easy to save, invest, and borrow money with just a few clicks.

Free | Android & iOS

8. INDmoney – Track All Your Wealth in One Place

Best For: Net worth tracking, US stock investing

Features That Make It Shine:

• Monitors US and Indian stocks, mutual funds, FDs, and cryptocurrency.
• Suggests ways to save money on taxes.
• Dashboard for net worth in real time.
• Tracking the riches of the family.

Real Talk:

This is great if you’re interested in money and want to monitor all of your assets from a single dashboard. INDmoney functions similarly to a command centre for personal finance.

Freemium | Android & iOS

9. Goodbudget – Envelope Budgeting (Old School Meets Digital)

Best For: People who love budgeting the old-fashioned way

Unique Features:

• Set monthly limitations for categories using the envelope method.
• More deliberate expenditure results from manual entry.
• Sync family members and gadgets.

Why It’s Refreshing:

More control is preferred by some. Because Goodbudget is manual by design, it’s ideal if you wish to manage your finances more carefully.

Free + Paid Version Available | Android & iOS

10. MyMoney – Made in India for Indians

Best For: Simple personal expense tracking

Features:

• Manually entering expenses or via SMS.
• Charts of daily, weekly, and monthly expenditures.
• Tracking several wallets and accounts.
• Focused on data privacy.

Personal Note:

Made to be easy to use. If you’re not interested in investing, this program effectively and silently follows the whereabouts of your tea, Swiggy orders and gas money.

Free | Android

Bonus: Government-backed App – UMANG

Do you want to make a complaint with financial services or check your EPF or NPS? India’s official digital platform for handling all of these is called UMANG.

So, Which App Should YOU Choose?

Need	Best App
Basic Expense Tracking	Walnut / MyMoney
Budgeting Help	Money View / Goodbudget
Investing in Mutual Funds	ET Money / Groww
Stock Market + US Investing	INDmoney / Paytm Money
Credit Card Payment & Rewards	Cred
Loans + Insurance + FDs	Bajaj Finserv App
Government Schemes Access	UMANG

Final Thoughts:

In 2025, money management doesn’t have to be difficult. Being aware is the first step towards good money management, whether of your monthly income of ₹10,000 or ₹1,00,000.

One swipe at a time, these personal finance apps help you get closer to your goals by removing the stress from investing, saving, and spending.

So go ahead and download one or two applications now, give them a week to see how they affect your financial clarity. Keep in mind that money management is a talent that everyone can master, not just those with wealth.