Best Personal Finance Apps in India 2024: unlock financial success

Discover the best personal finance apps in India for budgeting, investing, expense tracking and financial freedom.

Numerous innovative mobile apps made just for Indian users have made it easier to manage personal finances in this digital age. With so many options, picking the best Personal Finance Apps in India can make a big difference in your financial health and make managing your money easier. These apps have a lot of useful features, like the ability to track expenses, make budgets, manage investments, schedule payments, and more.

Their purpose is to help people understand their spending better, set financial goals, and make smart choices about investments and savings. Users can easily navigate the best personal finance apps in India, and they have strong security features and features that can be changed to fit different financial needs and preferences. Customers can easily keep an eye on their finances and take action to reach their financial goals with real-time updates and easy-to-understand analytics.

What is Personal Finance App?

An application for personal finance is a digital tool that’s designed to assist individuals in managing their financial activities and keeping track of their overall financial health. Typically, these applications provide features such as an expense tracking system, a budgeting system, an investment tracking system, reminders for bill payments, and the ability to set financial goals.

Within the app, users have the ability to link their investment accounts, credit cards, and bank accounts in order to obtain a comprehensive overview of their current financial situation. Users are given the ability to make educated decisions regarding their finances and to accomplish their financial goals through the use of personal finance apps.

Best Personal Finance Apps in India Comparison Table

In India, personal finance apps help people manage their money. These apps help users budget, track expenses, and invest based on their financial goals. They encourage financial literacy and help users make smart financial decisions with bill reminders and credit score tracking.

FeatureWalletMoney ManagerGoodbudgetET MoneyGroww
PlatformMobile App, WebMobile App, WebMobile App, WebMobile AppMobile App
Investment TrackingNoNoNoYesYes
Bill PaymentYesYesYesYesNo
Linked AccountsYesYesNoYesYes
Investment OptionsNoNoNoMutual Funds, ETFsMutual Funds, Stocks
Retirement PlanningNoNoNoNoNo
SecuritySSL EncryptionAES-256 Bit EncryptionSSL EncryptionSSL EncryptionSSL Encryption


Best Personal Finance Apps in India


  • Store digital currency securely.
  • Facilitate online transactions.
  • Monitor balance and transaction history.
  • Enable seamless payments for goods and services.

Wallet is an application that helps users manage their personal finances. By consolidating budgeting, expense control, and financial planning into a single location, it enables us to more effectively plan for our future monetary requirements. Wallet is one of the best personal finance apps that India relies on and uses to easily track expenses from any location and at any time. Still, it is one of the best personal finance apps in India that you can consider.



  • Simplified expense tracking
  • Budgeting tools
  • Multiple currency support


  • Limited investment features
  • Interface may be basic for some users

Money Manager

Best Personal Finance Apps in India


  • Track expenses and income.
  • Set budgets and financial goals.
  • Generate detailed reports and analysis.
  • Sync across multiple devices for accessibility.

The Money Manager app is a personal finance application that is compatible with both iOS and Android devices. It enables users to plan, keep track of expenses, and manage assets. The management of household accounts can be a little bit complicated. Money Manager, on the other hand, simplifies the process, making it one of the most effective apps for financial planning in India. Overall, it is one of the best personal finance apps in India that you can consider.



  • Detailed expense tracking
  • Customizable categories
  • Data encryption for security


  • Limited investment tracking features
  • Interface design could be improved


Best Personal Finance Apps in India


  • Envelope budgeting system for managing expenses.
  • Allocate funds into different categories.
  • Track spending and savings.
  • Share budgets and expenses with family members.

Goodbudget is a budget planning tool that is designed to meet the needs of users who prefer to take a proactive approach to the process of financial planning. Because it makes use of the envelope system, the application gives users the ability to assign funds to specific categories. This gives them the ability to keep control of their budget, their bills, and their overall financial situation. This is the best personal finance apps in India that you can consider.



  • Envelope budgeting system
  • Expense tracking and categorization
  • Syncing across multiple devices


  • Basic investment tracking features
  • Interface may feel outdated to some users

ET Money

Best Personal Finance Apps in India


  • Personal finance management app.
  • Invest in mutual funds, stocks, and gold.
  • Track expenses and set financial goals.
  • Access to financial news and analysis.

ET Money is one of the most advanced personal financial programmes. It offers several mutual fund strategies using cutting-edge technology. For their services, ET Money charges nothing extra. This software lets you invest in mutual funds, deposit accounts, insurance, and pensions immediately. You can easily track expenses and invoices to save on taxes. Overall, this is one of the best personal finance apps in India.



  • Investment tracking and analysis
  • SIP tracking and goal setting
  • News and insights for investors


  • Interface can be overwhelming for beginners
  • Limited budgeting features compared to other apps


Best Personal Finance Apps in India


  • Invest in mutual funds, stocks, and gold.
  • Simple and user-friendly investment platform.
  • Track portfolio performance and market trends.
  • Access to expert recommendations and insights.

Groww was started in 2016 by people who used to work at Flipkart. Its main office is in Bangalore. Grow is a great way to put money into mutual funds. It sorts plans into groups based on what investors want, like high-return savings, investments that beat fixed deposits (FDs), investments that are better than FDs, and SIPs with a minimum commitment of ₹500, to name a few. Currently, this is one of the best personal finance apps in India.



  • User-friendly interface
  • Mutual fund investment options
  • Goal-based investment planning


  • Limited investment options compared to full-service brokers
  • Customer service response time may vary

Tips for Maximizing the Benefits of Personal Finance Apps

Personal finance apps can help you reach your financial goals, keep track of your spending, and manage your money well. Here are some tips on how to get the most out of personal finance apps:

Set Clear Financial Goals: Write down your short- and long-term money plans, like saving for a trip, paying off debt, or investing for retirement. Set goals in your finance app to keep track of your progress and keep yourself going.

Track Your Spending: To keep an eye on how much you spend, use the expense tracking features of your finance app. Sort your spending into groups to find places you can save money by cutting back.

Make a Budget: Use your finance app to make a budget based on how much money you make and how much you spend. Divide your money into different groups, like savings, groceries, utilities, entertainment, and so on. Review your budget often and make changes as needed.

Link Your Accounts: All of your bank, credit card, loan, and investment accounts should be linked to your finance app so that you can see a full picture of your money. It’s now easier to keep track of transactions and see real-time account balances.

Automate Savings and Bill Payments: Use automation tools to set up regular deposits into your savings account and set up automatic bill payments. These steps will help you stick to your savings plans and avoid late payment fees.

Choosing the Right Personal Finance App for Your Needs

The best personal finance app for you will depend on your financial goals, personal tastes, and the features that are most important to you. To help you choose the best personal finance app for you, here are some ideas:

Set Goals: Think about what you want to get out of a personal finance app. Whether you want to make a budget, keep track of your spending, manage your investments, or save more, being clear about your goals will help you choose the right app.

Tracking Your Budget and Expenses: Look for apps that have powerful tools for tracking your budget and expenses. Spending limits should be able to be set and tracked across multiple accounts and payment methods. Expenses should be able to be put into categories.

Accounts and Accessibility: Pick a personal finance app that works with all of your accounts, like bank, credit card, and investment. Real-time syncing makes sure that all of your financial information is correct and up to date. Also, think about whether the app can be used on a variety of platforms and devices to make it easy for everyone to access.

Security and Privacy: To keep your private financial information safe, choose personal finance apps that put security first. To keep your data safe from hackers and people who shouldn’t have access to it, look for apps that use encryption, multi-factor authentication, and secure connections.

Customisation and Flexibility: Choose an app that lets you change the interface and features to better suit your needs. You should be able to make your own categories, set savings goals, and make reports that are specific to your finances and priorities with this app.


Is India money app safe?

100% Safe and Secure INDmoney! Your safety and privacy are our top priority! Your privacy is protected. Data in transit is encrypted with AES 256-bit and TLS 1.3.

Is Zupee real or fake?

Zupee is a multiplayer gaming app with real-money prizes. Multiple users have reported hangups, cheating, and bots in the game.

Editorial Staff
Editorial Staff
The Bollyinside editorial staff is made up of tech experts with more than 10 years of experience Led by Sumit Chauhan. We started in 2014 and now Bollyinside is a leading tech resource, offering everything from product reviews and tech guides to marketing tips. Think of us as your go-to tech encyclopedia!


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