Introduction
(BEST BUDGETING APPS IN INDIA) Managing money has become more important than ever, especially with rising expenses and increasing financial responsibilities. Whether you’re a student, working professional, or freelancer, having a budgeting app can help you track expenses, plan savings, and stay financially organised.
In this blog, we will explore the best budgeting apps in India in 2025, their features, pricing, pros, cons, and who they are best suited for. These apps are easy to use, secure, and ideal for anyone trying to build a strong personal finance habit.
1. Walnut – Best for Automatic Expense Tracking
Walnut is one of the most popular personal finance apps in India. It automatically reads SMS from banks to track expenses, bills, and bank balances.
Key Features
Auto-read SMS and categorize expenses
Split expenses with friends
Track credit card bills
Set monthly budgets
Export expense reports
Pros
100% automatic tracking
Clean user interface
Excellent bill reminders
Cons
- Occasionally miscategorizes expenses
Best For: Users who want automatic expense tracking
2. Money Manager App – Best for Manual Budgeting & Cash Flow Tracking
Money Manager is a great option if you prefer entering expenses manually. It gives full control over categories and custom budgets.
Key Features
Manual expense & income entry
Calendar-based tracking
Custom categories
Debt & loan management
Graphs & visual reports
Pros
Very accurate and customizable
Great for people with cash-based expenses
Cons
- No automatic SMS tracking
Best For: People who want 100% manual control
3. Fi Money – Smart Budgeting + Savings Automation
Fi Money is a modern neobank app that helps with budgeting, savings, investments, and smart rules called “FIT Rules”.
Key Features
Automatic expense categorization
Create smart savings rules
Track spending patterns
Zero-balance savings account
Goal-based savings
Pros
Modern interface
Combines banking + budgeting
Great automation features
Cons
- Works best when Fi is your primary account
Best For: Salaried users who want budgeting + savings automation
4. ET Money – Best for Budgeting + Investments
ET Money focuses heavily on money management, investments, and expense tracking.
Key Features
Automatic expense categorization
Track monthly spending
Free credit score
Invest in mutual funds, insurance, NPS
Pros
Complete financial ecosystem
Powerful tracking of spending patterns
Cons
- Too many investment-related features for simple users
Best For: Users who want budgeting + investing in one app
5. Goodbudget – Best for Envelope Budgeting
Goodbudget uses the envelope system to help users allocate a fixed amount for each category.
Key Features
Envelope-based budgeting
Sync budgets across devices
Detailed reports
Pros
Great for disciplined budgeting
Multi-device syncing
Cons
- No automatic expense tracking
Best For: Couples and families managing shared budgets
Which Budgeting App Should You Choose?
| App Name | Best For | Tracking Type |
|---|---|---|
| Walnut | Auto expense tracking | Automatic |
| Money Manager | Manual entry lovers | Manual |
| Fi Money | Automated savings + budgeting | Automatic |
| ET Money | Budgeting + investing | Automatic |
| Goodbudget | Envelope-based budgeting | Manual |
Conclusion
Choosing the best budgeting app in India depends on your style of money management. If you prefer automation, go with Walnut, Fi Money, or ET Money. If you want manual control, Money Manager and Goodbudget are excellent choices.
Start using any one of these apps consistently for 30 days, and you’ll see a big improvement in your financial discipline and savings.
FAQs
1. Which is the best budgeting app in India for beginners?
Walnut and Money Manager are the easiest apps for beginners.
2. Are budgeting apps safe in India?
Yes, most apps use bank-level encryption and secure systems.
3. Which is the best automatic expense tracker?
Walnut and Fi Money are the best for automatic tracking.
4. What is the best free budgeting app in India?
Walnut and Money Manager offer excellent free versions.