Top 7 Budgeting Apps in India to Manage Your Money in 2025
Introduction
Managing your money doesn’t need to be stressful. With smartphones in every pocket, the best budgeting apps in India can help you track spending, plan your monthly budget, and stay on top of your savings—all in real time.
In this blog, we list the top 7 budgeting apps for Indian users in 2025 based on features, ease of use, and reliability. Whether you’re a salaried professional, student, or homemaker, there’s an app for you.
🏆 Top 7 Budgeting Apps in India for 2025
1. Walnut
Best for: Automated expense tracking via SMS
Platform: Android, iOS
Features:
- Auto-tracks expenses from SMS alerts
- Monthly budgeting with insights
- Tracks ATM withdrawals, bank balances
- Bill reminders
Pros:
✔️ Fully automatic
✔️ Easy to use for beginners
Cons:
❌ No investment tracking
❌ UI feels dated
2. Moneyfy by Tata Capital
Best for: Budget + investments in one app
Platform: Android, iOS
Features:
- Track expenses manually or via bank sync
- Invest in mutual funds and SIPs
- Smart budgeting goals
Pros:
✔️ Backed by a trusted brand
✔️ Combines budgeting and investing
Cons:
❌ Slight learning curve for new users
3. ET Money
Best for: Advanced users who want expense + investment tracking
Platform: Android, iOS
Features:
- Tracks spending, savings, and investments
- Tax-saving options and reports
- Budget alerts and insights
Pros:
✔️ Detailed dashboards
✔️ Integrated with tax filing tools
Cons:
❌ Slightly overwhelming for beginners
4. Goodbudget
Best for: Envelope-style budgeting
Platform: Android, iOS, Web
Features:
- Manual envelope-style budgeting
- Great for couples & families
- Cloud sync across devices
Pros:
✔️ Promotes conscious spending
✔️ Web access available
Cons:
❌ Manual entry required
❌ Not tailored for India
5. Money Manager Expense & Budget
Best for: Users who like detailed categorization
Platform: Android, iOS
Features:
- Easy entry of daily income/expenses
- Visual reports and pie charts
- Passcode lock for privacy
Pros:
✔️ User-friendly interface
✔️ Free and ad-free version available
Cons:
❌ No automatic sync with banks
6. Buddy: Budget & Save Money
Best for: Users who like detailed categorization
Platform: Android, iOS
Features:
- Easy entry of daily income/expenses
- Visual reports and pie charts
- Passcode lock for privacy
Pros:
✔️ User-friendly interface
✔️ Free and ad-free version available
Cons:
❌ No automatic sync with banks
7. YONO SBI Budget Planner
Best for: SBI customers
Platform: Android, iOS
Features:
- Integrated with your SBI account
- Auto-categorizes spending
- Offers budgeting goals
Pros:
✔️ Secure and bank-backed
✔️ One-click banking + budgeting
Cons:
❌ Only for SBI users
❌ Limited customization
🔍 Quick Comparison Table
| App Name | Auto Tracking | Investment Support | Ideal For | Free Plan |
|---|---|---|---|---|
| Walnut | ✅ | ❌ | Beginners | ✅ |
| Moneyfy | ✅ | ✅ | Intermediate users | ✅ |
| ET Money | ✅ | ✅ | Advanced users | ✅ |
| Goodbudget | ❌ | ❌ | Families | ✅ |
| Money Manager | ❌ | ❌ | Personal tracking | ✅ |
| Buddy | ❌ | ❌ | Students, roommates | ✅ |
| YONO SBI | ✅ | ❌ | SBI customers | ✅ |
✨ How to Choose the Right App for You?
Ask yourself:
- Do I want automatic tracking?
- Do I want budgeting + investing?
- Am I okay with manual entry?
- Do I use SBI or other banks?
✅ For automation: Walnut or ET Money
✅ For simplicity: Buddy or Money Manager
✅ For budgeting + investing: Moneyfy or ET Money
Conclusion
With rising expenses, budgeting is no longer optional. The best budgeting apps in India for 2025 can make managing your money simpler, smarter, and more effective. Whether you prefer automation or manual control, there’s an app to match your money style.
👉 Start small. Track your expenses. Build your future.
FAQs
1. What is the best budgeting app in India for 2025?
ET Money and Moneyfy are top choices for budgeting + investing. Walnut is great for beginners.
2. Are these budgeting apps free?
3. Can I use budgeting apps offline?
Apps like Money Manager offer offline functionality. Others need internet for full features.
4. Which app is best for students?
5. Do budgeting apps help in saving money?
Yes, by tracking and categorizing your spending, they help you identify areas to cut costs and increase savings.