In today’s fast-paced financial world, managing your money isn’t just about earning more—it’s about knowing where your money goes. Whether you’re a salaried professional, freelancer, or business owner, tracking expenses and monitoring investments is crucial to financial success. Thankfully, there are smart apps in India that make this effortless.
In this comprehensive guide, we review the best apps to track expenses and investments in India (2025)—helping you stay in control of your finances with a single tap.
📲 Why Use Expense and Investment Tracking Apps?
Before jumping into the list, let’s understand why these apps are important in today’s financial landscape:
| Benefit | Explanation |
|---|---|
| Budget Planning | Helps set spending limits by category (e.g., food, travel). |
| Expense Tracking | Automatically records debit, credit, and UPI transactions. |
| Investment Monitoring | Tracks mutual funds, stocks, FDs, crypto, PPF, etc. |
| Real-time Alerts | Instant notifications for overspending or bill due dates. |
| Tax Preparation | Summarized financial reports help during ITR filing. |
🏆 Best Apps to Track Expenses and Investments in India (2025)
Here’s a curated list of the most reliable and feature-rich apps that can help manage your expenses and investments seamlessly.
1. Walnut (by Capital Float)
Walnut is one of India’s most popular personal finance tracking apps that focuses on expenses and bill reminders.
Key Features:
- Automatically categorizes SMS-based transaction data.
- Budget planning and bill payment reminders.
- Monthly spending reports.
- Credit card bill tracking.
Best For: People who want a simple expense manager with auto-sync from SMS.
Platform: Android, iOS
Pricing: Free
2. Money Manager by Realbyte
A global favorite that’s gaining traction in India, especially for its clean UI and customization.
Key Features:
- Double-entry bookkeeping.
- Visual charts for expenses and income.
- Asset and liability tracking.
- Data backup via Google Drive or Dropbox.
Best For: Freelancers, business owners, and detail-oriented users.
Platform: Android, iOS
Pricing: Free version available; Premium starts at ₹399 one-time.
3. ET Money (by Times Internet)
A powerful app that combines investment tracking and financial planning.
Key Features:
- Track mutual funds, SIPs, ELSS, NPS, and insurance.
- Expense categorization from SMS.
- Free credit score monitoring.
- Tax-saving portfolio suggestions.
Best For: Investors who also want basic expense tracking and tax planning.
Platform: Android, iOS
Pricing: Free
4. INDMoney
INDmoney is an AI-powered super app that gives a complete wealth snapshot of your financial life.
Key Features:
- Track Indian & US stocks, mutual funds, FDs, PPF, NPS.
- Auto-sync bank and credit card transactions.
- Tax filing assistance and family portfolio view.
- Goal-based financial planning.
Best For: Advanced investors and users looking for all-in-one wealth management.
Platform: Android, iOS, Web
Pricing: Free; Premium starts at ₹499/month
5. Goodbudget
Goodbudget uses the envelope budgeting method to help control overspending.
Key Features:
- Create and manage digital envelopes for categories.
- Syncs across devices (ideal for families).
- Manual transaction entry and CSV exports.
- No SMS reading, hence privacy-friendly.
Best For: Couples and individuals who prefer manual control over auto-sync.
Platform: Android, iOS
Pricing: Free (limited); Pro version at ₹500/month approx.
6. Bajaj Finserv Money
A recent entrant, but well-integrated with India-specific investment tools.
Key Features:
- Real-time mutual fund, stock, and SIP tracking.
- Personalized investment ideas.
- Bill payment and goal-based planning.
- Insights from India’s top fund managers.
Best For: First-time investors and salaried professionals.
Platform: Android, iOS
Pricing: Free
7. Monefy
Monefy is a minimalist app focused solely on easy manual tracking of expenses.
Key Features:
- One-tap expense entry.
- Colorful pie charts for categories.
- Multi-currency support.
- Offline access and custom icons.
Best For: Users who want quick and simple tracking without complications.
Platform: Android, iOS
Pricing: Free; Pro version at ₹299 one-time
📊 Comparison Table: Top Expense and Investment Tracking Apps in India
| App Name | Auto Expense Tracking | Investment Tracking | Free Version | Best For |
|---|---|---|---|---|
| Walnut | ✅ Yes (via SMS) | ❌ No | ✅ Yes | Basic users |
| Money Manager | ❌ Manual | ✅ Partial | ✅ Yes | Detail-oriented users |
| ET Money | ✅ Yes | ✅ Mutual Funds, NPS | ✅ Yes | Mutual fund investors |
| INDMoney | ✅ Yes | ✅ Stocks, MF, FD | ✅ Yes | Advanced investors |
| Goodbudget | ❌ Manual | ❌ No | ✅ Yes | Couples and families |
| Bajaj Finserv Money | ✅ Yes | ✅ All asset classes | ✅ Yes | First-time investors |
| Monefy | ❌ Manual | ❌ No | ✅ Yes | Minimalist users |
🧠 How to Choose the Best App for Your Needs?
Here’s a quick checklist to help you decide:
| If you are… | Choose |
|---|---|
| Just starting with budgeting | Walnut or Monefy |
| A serious investor | INDMoney or ET Money |
| Managing household expenses | Goodbudget |
| Wanting visual graphs | Money Manager |
| Seeking India-specific investment ideas | Bajaj Finserv Money |
🔐 Are These Apps Safe?
Most top apps in India use 256-bit encryption, biometric authentication, and secure cloud storage to keep your data safe. However, it’s good practice to:
- Use apps from verified developers only.
- Never share login credentials.
- Avoid linking sensitive accounts on unknown platforms.
💡 Pro Tips for Smart Tracking
To make the most of your expense and investment tracking app:
- Set budgets monthly and enable alerts when nearing limits.
- Update or sync transactions weekly to keep data current.
- Review charts at the end of each month to adjust habits.
- Set goals (e.g., travel fund, emergency savings) and track progress.
- Export reports quarterly for review or ITR filing.
🧾 How These Apps Help During Tax Season
Apps like ET Money, INDMoney, and Walnut offer expense categorization and annual reports that simplify:
- Capital gains/loss statements
- Tax-saving investment summaries
- Tracking 80C/80D/80CCD limits
- Credit card interest reporting
These features help ensure accurate and timely filing of your ITR with less manual work.
🗓 What’s New in 2025?
Some upcoming features and trends seen in personal finance apps in 2025:
- AI-driven financial coaching
- Voice command support for expense entries
- Crypto asset tracking
- Unified UPI + investment dashboards
- Real-time fraud alerts
Apps like INDMoney and Bajaj Finserv Money are already ahead in offering these innovations.
📱 Getting Started: Simple Steps
- Download your preferred app from Google Play or App Store.
- Sign up with email or mobile number.
- Link accounts or enable SMS permissions for auto-sync.
- Categorize your spending and set your monthly goals.
- Review your dashboard every week.
🧩 Final Thoughts
Whether you’re trying to save more, invest smarter, or just build awareness, using an app to track your expenses and investments is a game-changer in 2025.
With so many apps tailored for Indian users—ranging from simple budgeting tools to full-blown investment dashboards—there’s no excuse not to take control of your financial health.
Choose the app that matches your needs, habits, and financial goals—and watch your money work for you, not against you.
🙋 FAQs: Expense & Investment Tracking Apps in India
Q1. Are expense tracking apps safe in India?
Yes, trusted apps use encrypted storage and follow RBI/Digital India guidelines.
Q2. Which app can track both investments and expenses?
Apps like INDMoney, ET Money, and Bajaj Finserv Money offer both features.
Q3. Can I export my data for tax filing?
Yes, most apps allow export in Excel or PDF format for income tax filing purposes.
Q4. Which is the best free app for beginners?
Walnut and Monefy are user-friendly and free to use.
Q5. Do these apps support joint tracking (for couples)?
Yes, Goodbudget allows multi-device sync, ideal for families or couples.