Managing personal funds has never gotten easier than now through the rise in smart apps; these offer straightforward features for budgeting, tracking expenses, and managing investments in a simple interface. Whether for saving more or investing wisely to control spending or even other kinds of goals.
In this blog, we’ll explore the top 10 personal finance apps in India for 2025, highlighting their key features and how they can simplify financial management.
Top 10 Personal Finance Apps in India 2025
| App Name | Main Feature | Founder | Year | Headquarters |
|---|---|---|---|---|
| ET Money | Investment and expense tracking | Mukesh Kalra | 2016 | Gurgaon, Haryana |
| Walnut | Expense tracking and budgeting | Anurag S Prasad | 2014 | Pune, Maharashtra |
| Lio | Personal and business finances | Anand Krishna | 2021 | Bengaluru, Karnataka |
| Paytm Money | Investment solutions | Vijay Shekhar | 2018 | Noida, Uttar Pradesh |
| Groww | Stock trading and mutual funds | Harsh Jain | 2017 | Bengaluru, Karnataka |
| Goodbudget | Envelope budgeting system | Dayspring Tech | 2011 | San Francisco, USA |
| CRED | Credit card bill management | Kunal Shah | 2018 | Bengaluru, Karnataka |
| Monefy | Simple expense tracking | Alexandr Karach | 2013 | London, UK |
| Money Manager | Detailed cash flow tracking | Realbyte Inc. | 2012 | Seoul, South Korea |
| Dhani | Personal loans and rewards | Sameer Gehlaut | 2017 | Gurgaon, Haryana |
1. ET Money
ET Money is one of India’s leading personal finance apps that allows the easy management of expenses, investments, and insurance. ET Money integrates expense tracking with investment management to make it an all-in-one solution that simplifies financial planning.
Features
- Automatically tracks and analyzes expenses
- Provides investment options in mutual funds and fixed deposits
- Insurance recommendations are based on the user’s needs.
2. Walnut
Walnut is a popular expense-tracking and budgeting app trusted by millions of users in India. It’s simple, easy to use, and very much focused on keeping users within budget.
Features
- Auto categorizes and tracks expenses based on SMS alerts.
- Monthly spending insights.
- Splits bills with friends.
3. Lio
Lio is an easy-to-use finance tracking app, both for individual and business needs. It’s ideal for any user seeking an easy yet potent app to maintain personal and business finances.
Features
- Contains templates for the management of personal and business expenditures.
- It allows access to multiple languages for ease of use.
- Ensures cloud storage for safe data.
4. Paytm Money
Paytm Money is an investment app that is the one-stop shop for solutions regarding mutual funds, stocks, and so much more. It’s ideal for novice investors who are searching for a trustworthy platform.
Features
- Allows one to invest in mutual funds, stocks, and digital gold
- Real-time tracking of portfolio
- Low brokerage for stock trading.
5. Groww
Groww is an investment app that focuses on the simplification of stock trading and mutual fund investments. Groww is easy to use, and therefore, the favorite for many who are starting their investment journey.
Features
- User-friendly interface for beginners.
- Wide range of mutual funds and stocks to invest in.
- Educational resources for new investors.
6. Goodbudget
Goodbudget is a digital envelope budgeting app that helps you manage your income. If you like the old-school way of budgeting, Goodbudget will bring you all that with modern convenience.
Features
- It uses the envelope budgeting system to manage expenses.
- You can sync data across multiple devices.
- It includes tools for debt tracking.
7. CRED
CRED is a rewards-based application for managing credit card bills. It is for credit card users who will manage their spending and earn reward points.
Features
- Credit card expense tracker and analyzer.
- Cashback rewards and exclusive deals.
- Free credit score check.
8. Monefy
Monefy is a quite simple and also visually appealing daily expense tracker, which makes the app perfect for users who wish to have a no-frill expense tracking system.
Features
- Expenses are categorized with very intuitive visuals
- Supports different currencies
- This app also helps in budgeting.
9. Money Manager
Money Manager is a powerful application for tracking income and expenses along with account management. It’s ideal for those who want a detailed view of their financial health.
Features
- Monitors cash flow with detailed charts.
- Supports account management to have better financial control.
- Provides exporting of financial reports.
10. Dhani
Dhani is an app that provides a mix of personal finance and healthcare solutions. This app is unique because it integrates financial management with health-related features.
Features
- Personal loans are provided instantly.
- There is a rewards program for expense management.
- Health benefits include teleconsultations.
Conclusion
Thanks to these new and innovative personal finance apps, managing finances has never been easier. Be it expense tracking, investment in stocks, or debt payoff, there is an app designed to help you out.
Discover the best of the top 10 personal finance apps in India for 2025 and select the one that will help you meet your financial goals. Start controlling your money today and building a secure financial future!
FAQs
Which app is best for beginners?
Groww and ET Money are great choices for beginners due to their user-friendly interfaces and comprehensive features.
Are these apps safe to use?
Yes, all the apps listed prioritize user security with advanced encryption and privacy policies.
Can I use multiple apps simultaneously?
Absolutely! For instance, you can use CRED for credit card bills and ET Money for investments.
Are these apps free?
Most apps offer free basic features, but premium plans unlock additional tools.
Which app is best for managing business finances?
Lio is a top choice for managing both personal and business finances.
