In a world of rising expenses and complex digital payments, budgeting apps have become essential for anyone looking to take control of their finances. Whether you’re a student managing your pocket money, a salaried professional trying to save more, or a freelancer tracking irregular income — budgeting apps are your digital money manager.
In this post, we’ve curated the best budgeting apps in India 2025 — both free and paid — that offer smart features like expense tracking, goal setting, bill reminders, and much more.
📲 Why Use Budgeting Apps in 2025?
With UPI, credit cards, and digital wallets making spending easier than ever, it’s also easier to lose track of your money. That’s where budgeting apps step in:
- 📊 Track every rupee you spend
- 📆 Set monthly budgets and limits
- 🔔 Get reminders for bills & EMIs
- 💹 Visualize your savings goals
Let’s explore the top budgeting apps Indians are loving in 2025.
🏆 Top 10 Best Budgeting Apps in India 2025
1. Walnut
- Platform: Android & iOS
- Price: Free
- Best For: Auto expense tracking via SMS
Walnut is one of the most popular budgeting apps in India. It automatically reads your SMS alerts to track your bank spends, credit card bills, and more — no manual entry needed.
🔹 Pros: UPI integrated, bill reminders, group expense split
🔹 Cons: SMS permission required
2. Money Manager (Realbyte)
- Platform: Android & iOS
- Price: Free + ₹290 (one-time pro version)
- Best For: Offline users and detailed tracking
This globally loved app is very popular in India too. It’s one of the best budgeting apps with a beautiful interface and strong data export options.
🔹 Pros: Calendar view, asset management, PC version
🔹 Cons: Some features locked in free version
3. Goodbudget
- Platform: Android, iOS, Web
- Price: Free | Premium at $7/month
- Best For: Envelope-based budgeting
Ideal for families and couples, Goodbudget follows the “envelope” system to divide monthly income into categories. Among budgeting apps, it’s great for shared finances.
🔹 Pros: Sync across multiple devices
🔹 Cons: Manual entry only, no auto tracking
4. ET Money
- Platform: Android & iOS
- Price: Free
- Best For: Investment + Budget tracking
Built for Indian users, ET Money is not just for mutual funds — it’s also one of the smartest budgeting apps. It tracks expenses, shows trends, and offers financial insights.
🔹 Pros: Indian financial tools integrated
🔹 Cons: Some may find the investment features too detailed
5. PocketGuard
- Platform: iOS & Web
- Price: Free | Premium: $7.99/month
- Best For: Simplified expense management
This is one of the cleanest, easiest-to-use budgeting apps — it shows what’s “safe to spend” after subtracting your bills and savings.
🔹 Pros: No ads, simple dashboards
🔹 Cons: Limited features in India
6. Bajaj Finserv Money App
- Platform: Android & iOS
- Price: Free
- Best For: Indian users with loans or investments
This is one of the most useful Indian budgeting apps if you already use Bajaj Finserv services. You can manage EMIs, mutual funds, and daily expenses in one place.
🔹 Pros: EMI calendar, savings goals
🔹 Cons: Best for Bajaj customers
7. YNAB (You Need A Budget)
- Platform: Android, iOS, Web
- Price: Free trial, then $14.99/month
- Best For: Serious financial planning
While it’s on the expensive side, YNAB is one of the best budgeting apps globally. It forces you to assign every rupee a job.
🔹 Pros: Deep insights, long-term planning
🔹 Cons: High cost, not India-focused
8. Spendee
- Platform: Android & iOS
- Price: Free | Premium: ₹199/month
- Best For: Visual dashboards
Spendee is ideal for people who love clean design and colorful charts. It’s one of the best-looking budgeting apps and works well with shared wallets.
🔹 Pros: Group budgeting, visual appeal
🔹 Cons: Limited free features
9. Moneyfy by Tata Capital
- Platform: Android & iOS
- Price: Free
- Best For: Indian investment + budget combo
Moneyfy blends investment tracking with budgeting. For Indian users looking for an all-in-one finance app, this is among the best budgeting apps available.
🔹 Pros: Great for salaried users
🔹 Cons: Some bugs reported on Android
10. Google Sheets (Manual Budgeting)
- Platform: Web, Android, iOS
- Price: Free
- Best For: DIY users
Old school but effective! Many still prefer using Google Sheets as their main budgeting app by customizing templates to their needs.
🔹 Pros: Full control, no ads
🔹 Cons: Manual entry required
🏁 Conclusion: Which Budgeting App Is Right for You?
| User Type | Recommended Budgeting App |
|---|---|
| Students | Walnut or Money Manager |
| Working Professionals | ET Money, Moneyfy, Goodbudget |
| Families/Couples | Goodbudget, Spendee |
| Heavy Spenders | PocketGuard, YNAB |
| DIY Trackers | Google Sheets |
📌 Final Thoughts
Choosing the right budgeting app in 2025 depends on your needs, lifestyle, and financial goals. The best budgeting apps help you save smarter, avoid overspending, and bring peace of mind. Whether free or paid, these tools are an investment in your future.