Best Budgeting Apps in India (2025) – Features & Comparison!!

Managing finances effectively is crucial in today’s fast-paced world. Whether you want to save for future goals, track your expenses, or gain control over your spending habits, budgeting apps can help. In this article, we will explore the best budgeting apps in India (2025), their features, and how they compare.

Top Budgeting Apps in India (2025)

1. Walnut

• Features: Tracks expenses automatically, sets spending limits, detects bill reminders, and offers insightful reports.
• Best For: People who prefer an AI-powered smart expense tracker.
• Availability: Android & iOS

2. Money Manager

• Features: Provides easy transaction recording, income-expense visualization, and category-based spending analysis.
• Best For: Beginners who need a simple yet effective budgeting tool.
• Availability: Android & iOS

3. Goodbudget

• Features: Uses the envelope budgeting system, syncs data across multiple devices, and provides detailed reports.
• Best For: Those who want to use the traditional envelope budgeting method.
• Availability: Android & iOS

4. ET Money

• Features: Tracks expenses, provides investment insights, offers mutual fund tracking, and offers tax-saving recommendations.
• Best For: Investors looking for budgeting and investment management in one app.
• Availability: Android & iOS

5. Bajaj Finserv Wallet

• Features: Allows bill payments, expense tracking, and digital wallet functionalities.
• Best For: Users who want a budgeting app with built-in payment services.
• Availability: Android & iOS

Comparison of Best Budgeting Apps

Feature	Walnut	Money Manager	Goodbudget	ET Money	Bajaj Finserv Wallet
Expense Tracking	✅	✅	✅	✅	✅
Investment Tracking	❌	❌	❌	✅	❌
Budget Planning	✅	✅	✅	✅	✅
Bill Payment Reminders	✅	❌	❌	✅	✅
AI-Based Insights	✅	❌	❌	✅	❌
Free Version Available	✅	✅	✅	✅	✅
Best For	Smart tracking	Beginners	Envelope budgeting	Investors	Digital payments

Top Budgeting Tips for Smart Money Management

• Track Every Expense: Use a budgeting app to categorize and monitor your spending habits

• Set a Monthly Budget: Allocate a fixed amount for different expenses like groceries, entertainment, and bills.

• Use the 50/30/20 Rule: Allocate 50% of your income to needs, 30% to wants, and 20% to savings and investments.

• Automate Savings: Many budgeting apps allow you to set up auto-debits for savings and investments.

• Avoid unnecessary subscriptions: Regularly review your subscriptions and cancel the ones you don’t use.

• Set financial goals: define short-term and long-term financial goals and track your progress.

• Review and Adjust: Check your budget weekly to make necessary adjustments.

🙂Common Questions & Answers

1. What is the best budgeting app for beginners?

• Money Manager is the best option for beginners due to its simple interface and easy transaction recording.

2. Which app is best for investment tracking along with budgeting?

• ET Money is a great choice as it provides investment tracking along with expense management.

3. Are budgeting apps safe to use?

• Yes, most budgeting apps use encryption and security measures to keep your data safe. Always choose trusted apps with good reviews.

4. Do budgeting apps charge money?

• Most budgeting apps offer free versions, but premium features may require a subscription.

5. Which budgeting app works without internet?

• Goodbudget allows users to manage their budget offline and sync later when online.

Final Thoughts😁

Budgeting apps can simplify financial management and help you stay on track with your expenses. Choose the one that fits your financial needs, and start taking control of your money today!