Managing money well starts with knowing where it actually goes, whether it is shopping, trips, rent, or groceries. This can easily be sorted with the best expense tracker app. These monthly budget planner apps make budgeting, saving, and financial planning simple and accessible anytime, anywhere. The smartest step you can take is to start using the best expense tracker app in India.
But with so many options out there in India, which could best suit your needs? It’s an honest question. I did thorough research and have come up with a list that can help you choose a good one.
Comparison Table for Personal Expense Tracker App India
| Sr. No. | App Name | Play Store Rating | App Store Rating | Website/Link | Pricing Model |
| 1 | jUMPP | 4.3 | 4.2 | jumpp.finance/ | Free + Premium |
| 2 | Walnut | 4.4 | 4.8 | – | Free |
| 3 | Monefy | 3.9 | 4.6 | monefy.com | Paid + Free |
| 4 | Wallet | 4.7 | 4.3 | budgetbakers.com | Free + Premium |
| 5 | Spendee | 4.4 | 4.7 | spendee.com | Free + Paid |
| 6 | Goodbudget | 2.9 | 4.6 | goodbudget.com | Free |
| 7 | Axio | 4.4 | 1.9 | axio.co.in | Free |
| 8 | Flow Expense Tracker | 4.3 | 4.7 | flowapp.com | Free |
| 9 | TrackWallet | 4.6 | 4.3 | – | Free + Paid |
| 10 | Expense Manager | 4.4 | 4.8 | expensesmanager.in | Free |
List of Best Personal Expense Tracker Apps in India in 2025
With there being dozens of apps on Google Play and the App Store, finding the best expense tracker app in India can be challenging. Every app has its advantages. Some are excellent for regular expense tracking, while others are full-fledged monthly budget planner apps with savings objectives, bill reminders, and analytics.
Here’s a carefully selected list of the best 10 personal expense tracking apps in India for 2025.
jUMPP
jUMPP is a one-stop financial app that caters to smart tracking, saving, and investing. It is developed as a personal expense tracker app for India, and it assists you with budgeting, payments, investments, and loans in one easy platform.
Founded: 2024
Key Features:
- Unified view of multiple bank accounts and transactions
- Smart monthly budget planner powered by jAI (AI-driven insights)
- Auto-categorisation of expenses into food, shopping, travel, bills, and more (with up to 90% accuracy)
- Investment options in stocks and mutual funds
- Savings products, including FDs, RDs, and zero-balance accounts
- You can easily get pre-approved personal and auto loans
- Easy bill payments (gas, FASTag, electricity, mobile recharge, etc.)
Why Choose jUMPP?
jUMPP helps you understand your net worth in real time, visualise spending through bar and pie graphs. With jAI you also get AI-powered insights for better decisions. It simplifies daily expenses while opening doors to long-term financial growth.
Walnut
Walnut is a well-liked personal budgeting app in India. It is famous for its auto SMS-based tracking. It scans transaction SMS from your banks and credit card companies.
Walnut also supports bank integration and real-time transaction syncing for a comprehensive financial overview.
Founded: 2011
Key Features are:
- Bank account synchronisation for auto transaction updates
- Detailed reporting and analytics with charts
- Shared accounts for partners or family members
- Goal-based saving and budgeting
Monefy
Monefy is a clean and simple daily expense tracker app. It was especially designed for users who prefer manual logging and minimal clutter. Its colourful interface and quick-entry features make it easy to record expenses on the go.
Founded: 2013
Key Features:
- Allows one-tap expense entry with custom categories
- Sync across devices via Google Drive or Dropbox
- Rich charts and visualisation for spending patterns
- Supports multiple currencies
Wallet
Wallet is a global money management and budget planner app that also has a strong user base in India. It integrates with banks and offers real-time transaction syncing for a complete financial overview.
Founded: 2011
Key Features:
- Bank account sync for automated transaction updates
- Detailed reports and analytics with graphs
- Shared accounts for family or partners
- Goal-based saving and budget planning
Spendee
Spendee is an attractive-looking budget planner and expense tracker that accommodates manual and bank-synced tracking. It’s geared toward families and individuals who wish to track money jointly.
Founded: 2013
Key Features are:
- Has a bank and crypto wallet sync
- Offer a joint wallet for families or groups
- Bill tracking and reminders
- Clear dashboards UI
Goodbudget
Goodbudget is built on the envelope budgeting system. It assists users in putting money into digital envelopes for various categories such as groceries, rent, food, and entertainment.
Founded: 2017
Key Features are:
- Easy-to-use interface with rapid entry facilities
- Recurring expense planning
- Exporting reports in Excel/CSV format
- Local backup facility
Axio
Axio, formerly known as Walnut 369. It is a modern credit and expense tracking app that offers insights into spending, along with bill reminders and credit score monitoring.
Founded: 2015
Key Features:
- Expense categorisation and budget tracking
- Bill payment reminders
- Credit score monitoring
- Loan offers and BNPL (Buy Now Pay Later) options
Flow Expense Tracker
Flow is an intuitive app that simplifies daily expense tracking with custom categories and recurring expenses.
Founded: 2017
Key Features:
- Simple interface with quick entry options
- Recurring expense scheduling
- Export reports in Excel/CSV
- Local backup support
TrackWallet
TrackWallet is a new multi-currency expense tracker loved by frequent travellers and professionals. It offers robust analytics with in-depth spending reports.
Founded: 2016
Key Features are:
- Multiple currency support
- Category-wise tracking of expenses
- Expense charts and graphs
- Export and backup facilities
Expense Manager
Expense Manager is a free and offline-supporting app to assist users in monitoring their day-to-day and monthly expenses with basic features.
Founded: 2012
Here are the Key Features:
- Manual recording with customizable categories
- Monthly charts and reports
- Recurring transactions supported
- Offline functioning without internet
Why You Need a Monthly Budget Planner App?
A monthly budget planner app gives you clarity and control over your expenses. It helps you make smarter financial choices. Here’s why it matters:
- Spending Check: It helps you to know exactly how much you’re spending on food, travel, shopping, or bills.
- Financial Goals: Whether it’s saving for a trip, an emergency fund, or investments, a budget app keeps you on track.
- Credit Bills: By monitoring cash flow, you’re less likely to overspend, along with trying to limit credit expenses.
- AI in Built: Many apps now provide insights and trends. It can also help you identify where you can cut costs and save more.
- Automation: You don’t need to track transactions manually. Apps auto-categorise transactions and remind you of upcoming bills.
Final Thought
You can easily access some of the best expense tracker apps that make managing money simpler than ever. From Walnut’s SMS-based automation to Goodbudget’s envelope system and Spendee’s family-friendly wallets, there are a variety of options for every type of user. Therefore, those who want multiple features, jUMPP offers an all-in-one approach. It has expense management, along with savings, investments, and bill payments.
At the end of the day, the right monthly budget planner app depends on your lifestyle. However, what matters most is choosing a tool that helps you spend wisely, save consistently, and move closer to your financial goals.
