A good budgeting app doesn’t just show you where your money went — it helps you make intentional decisions about where it goes next. Here are the top budgeting apps available for users in India.
Our Top Picks for India
ET Money
Best all-in-one finance app for India
Automatic expense tracking via SMS
Direct mutual fund investments (no broker)
NPS (National Pension System) investments
Life and health insurance marketplace
Tax saving investment guidance
Walnut
Best for SMS-based expense tracking
Reads SMS to automatically track expenses
No manual entry required
Bill splitting with friends
Payment reminders
India-specific bank support
Money View
Best for personal finance + credit
Automatic expense tracking from bank SMS
Credit score monitoring
Personal loan marketplace embedded
Bill alerts and EMI tracking
10M+ users in India
Spendee
Best visual budget planner
Shared wallets for couples and families
Visual spending charts
Multi-currency support
Bank syncing for Indian and international accounts
Budget planning with category limits
CRED
Best for high credit score users in India
Pay credit card bills and earn CRED coins
Exclusive rewards from premium brands
CRED Store and travel cashback
Credit health dashboard
Used by 12M+ credit card users in India
Fi Money
Best neobank with built-in budgeting
Federal Bank-powered digital savings account
Automatic expense categorisation via SMS
Smart deposit (high-interest liquid fund)
Spend analysis and goal-based savings
US stocks investing integrated
Freo Save
Best for interest on idle money
Daily interest credited on savings
Budget tracker with spending categories
Zero balance account
RBI authorised payments NBFC
Instant UPI and NEFT transfers
Jupiter
Best neobank for salary accounts
Automatic 1% reward on all debit card spends
Salary advance feature
Spending insights and pot-based saving
Federal Bank-backed savings account
DICGC insured
Niyo Global
Best for international travellers from India
Zero forex markup on international transactions
Real-time currency rate display
Budget tracking across currencies
VISA Platinum debit card
Popular with Indians working abroad
What to Look for in a Budgeting App
The best budgeting app is the one you’ll actually use consistently. Look for reliable bank connectivity for your local banks in India, a categorisation system that matches how you think about money, and a mobile app experience that makes it easy to log or check spending. Free trials are common — test before you commit to a subscription.
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