Managing money smartly is becoming more important than ever, and budgeting apps India are the easiest way to stay on top of your finances. In 2025, Indians are relying more on digital tools to track spending, set savings goals, and even invest better. But with so many apps available, which ones are really worth using?
This article explores the best budgeting apps for Indians in 2025, helping you pick the right one to simplify your financial journey.
Why You Need a Budgeting App in India
Budgeting apps are not just about tracking expenses – they can:
- Give insights into your spending habits
- Help you stick to savings goals
- Automate bill reminders and EMI tracking
- Improve long-term financial planning
With UPI, credit cards, and digital wallets being so widely used, manual tracking is outdated.
Top 7 Budgeting Apps in India (2025)
1. Walnut
- Tracks expenses automatically via SMS alerts
- Splits bills with friends
- Works without internet access
- Great for those who prefer automation
2. Money View
- Customizable budget categories
- Provides free credit score
- Integrates with UPI & digital payments
- Easy-to-understand spending insights
3. ET Money
- Expense tracking + mutual fund investments
- Insurance & SIP calculators
- User-friendly interface
- Perfect for beginners in investing + budgeting
4. Bajaj Finserv Money
- AI-driven financial planning
- Tracks expenses, bills, and investments
- Integrated EMI reminder feature
- Ideal for those managing loans and credit
5. Goodbudget
- Envelope budgeting system
- Helps couples/families manage money together
- Syncs across multiple devices
- Best for joint expense management
6. YNAB (You Need a Budget)
- International app but gaining popularity in India
- Strong goal-setting features
- Best for disciplined savers who want control
- Subscription-based model
7. Cred (Bonus Pick)
- Not a traditional budgeting app but great for tracking credit card spending
- Rewards for timely payments
- Smart analysis of credit card usage
Comparison Table of Best Budgeting Apps India 2025
| App Name | Best For | Free/Paid | Unique Feature |
|---|---|---|---|
| Walnut | Automatic expense tracking | Free | Works offline |
| Money View | Expense + credit score | Free | Free CIBIL score |
| ET Money | Budget + Investments | Free | SIP & MF integration |
| Bajaj Finserv | Loan + budget tracking | Free | EMI reminders |
| Goodbudget | Family budgeting | Paid | Envelope system |
| YNAB | Goal-focused budgeting | Paid | Advanced planning tools |
| Cred | Credit card spend tracking | Free | Rewards + smart analysis |
✅ FAQs Section
Q1. Which is the best free budgeting app in India 2025?
Walnut and Money View are among the best free budgeting apps in India for 2025. They offer automatic expense tracking and financial insights.
Q2. Do budgeting apps in India support UPI and digital wallets?
Yes, most modern budgeting apps like Money View and ET Money integrate with UPI, debit/credit cards, and wallets to track your spending.
Q3. Which budgeting app in India is best for investments too?
ET Money is the best choice if you want both budgeting and investment features like SIP calculators and mutual fund tracking.
Q4. Are budgeting apps safe in India?
Yes, reputed budgeting apps use encryption and secure servers. Stick to apps with RBI-compliant integrations like ET Money, Walnut, or Money View.
Q5. Can couples or families use budgeting apps together?
Yes, apps like Goodbudget allow multiple users to sync accounts, making them great for families and couples.
Budgeting doesn’t have to be stressful. With the right budgeting apps India, you can automate expense tracking, set financial goals, and take control of your money in 2025. Whether you’re just starting out or looking for advanced tools, there’s an app for everyone.
👉 Want to manage your investments better? Check out our other guides on SIPs and smart money-saving strategies.
