Trying to take control of your money? Budgeting is the foundation of smart financial planning. Thankfully, there are powerful Indian apps that make tracking your income and expenses super simple—even for beginners.
Here’s a list of the top expense tracking and budgeting apps that are trending in India in 2025, with direct links so you can explore them yourself.
1. Axio (formerly Walnut)
- Auto-categorizes spends using SMS data
- Tracks UPI, cards, and cash withdrawals
- Offers budgeting insights and credit tracking
Download for Android
Download for iOS
2. Moneyview
- Syncs with your bank accounts
- Tracks income, expenses, bills, and credit score
- Provides insights and loan options
Download for Android
Download for iOS
3. ET Money
- Manages mutual funds, SIPs, and insurance
- Tracks daily spending with intelligent insights
- Great for overall financial health tracking
Download for Android
Download for iOS
4. Wallet by BudgetBakers
- Tracks income and expenses with visual charts
- Bank sync and cash tracking support
- Great for setting flexible budgets
Download for Android
Download for iOS
5. Monefy
- Minimal, quick-entry budgeting app
- Perfect for manual tracking and cash spenders
- Supports cloud backups and data exports
Download for Android
Download for iOS
6. Goodbudget
- Envelope-style budgeting tool
- Syncs across multiple devices for family budgeting
- Ideal for disciplined monthly planners
Download for Android
Download for iOS
Quick Comparison Table
| Your Need | Best App |
|---|---|
| Auto track UPI, SMS, bank expenses | Axio, Moneyview |
| Track investments + expenses together | ET Money, jUMPP |
| Manual control + simplicity | Monefy |
| Shared budget with spouse/family | Goodbudget |
| Visual budget planning | Wallet by BudgetBakers |
Final Thoughts
Don’t wait for the “perfect moment” to start budgeting. Try one app, track for 30 days, and reflect on your spending. Budgeting is about awareness, not restriction.
These apps will help you stay consistent and aligned with your financial goals — whether you’re saving your first ₹1 lakh or building long-term wealth.
