Best Expense Tracker Apps in India

Managing money has become increasingly difficult — not because we earn less, but because our spending habits have become more complex. UPI payments, subscription services, impulse purchases, online shopping and weekend outings make it easy to lose track of where our money goes.

This is where expense tracker apps can help. The right app gives you a clear picture of your monthly spending, categorises your expenses automatically, and helps you build better saving habits without changing your lifestyle drastically.

But with hundreds of apps available, the obvious question is:

What is the best expense tracker app in India?

In this guide, we break down the top expense tracker apps in India for 2025, their key features, pros/cons and who they are best suited for. Whether you’re a student, professional, freelancer or business owner, you’ll find the perfect tool to manage your money smarter.

Top 7 Best Expense Tracker Apps in India (2025)

1. Moneyview Money Manager – Best overall

2. Axio (formerly Walnut) – Best for automatic tracking

3. Jupiter Money Pots – Best for saving + budgeting

4. Fi Money – Best for smart, fun savings

5. ETMoney App – Best for investors + expense tracking

6. Money Manager (Realbyte) – Best for detailed/multi-account tracking

7. Khatabook / OKCredit – Best for small business + personal tracking

Let’s look at each in detail.

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1. Moneyview Money Manager – Best Overall Expense Tracker in India

Moneyview consistently ranks among the top personal finance apps in India thanks to its clean UI and powerful automation. It reads SMS alerts from banks and credit cards to automatically categorise your expenses.

Key Features

• Auto-tracks expenses from SMS

• Insights into spending trends

• Monthly/weekly summaries

• Bill reminders

• Credit card & EMI tracking

• Multi-account support

Pros

• Very accurate categorisation

• Clean, intuitive interface

• Works seamlessly with all major banks

Cons

• Ads in the free version

• No web version (mobile-only)

Best For:

Anyone who wants a clean, automated expense tracker that works reliably with Indian banks.

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2. Axio – Best Automatic Expense Tracker

Axio (formerly Walnut) has been one of India’s most used money apps, with over 10 million users. It analyses SMS messages to track expenses with high accuracy.

Key Features

• Automatic categorisation of expenses

• Bank balance tracking

• Bill payment reminders

• Advanced budget management

• Shared expenses/group settlements

Pros

• Very simple to use

• Great automatic tracking

• Good for splitting bills

Cons

• Limited investment or saving features

• Some ads for loans/credit products

Best For:

Users who want a pure expense tracker with minimal manual entry.

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3. Jupiter Money – Best for Saving + Budgeting

Jupiter is a modern neobanking app offering a savings account, expense tracking and automated budgeting using AI insights from your spending habits.

Key Features

• Auto categorisation of UPI + card payments

• “Pots” for goal-based savings

• Alerts when you overspend

• Cashback tracking

• Salary insights

Pros

• Beautiful UI

• Great for goal-saving

• Works with UPI, debit card, salary

Cons

• Only works if you use Jupiter account as primary spending account

• Limited custom category features

Best For:

Salaried users who want expense tracking plus automated savings.

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4. Fi Money – Best Smart Saving App (FIT Rules)

Fi uses intelligent automation (“FIT Rules”) to help users save money as they spend. For example:

• Save ₹50 every time you order food

• Save ₹100 when you take a cab

• Save ₹500 on every salary credit

Key Features

• Automated savings rules

• AI-powered spending insights

• Visa debit card + savings account

• Smart goal tracking

• No minimum balance account

Pros

• Highly customisable

• Fun approach to saving

• Great for young professionals

Cons

• Works best if Fi is your primary spending account

• Not ideal for manual entry users

Best For:

People who want automated savings linked to lifestyle habits.

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5. ETMoney – Best for Investors + Expense Tracking

ETMoney is India’s largest wealth management app, but it also includes strong expense-tracking features. If you want both expense tracking and investing in one place, ETMoney is unbeatable.

Key Features

• Expense analysis

• Budget planning

• Investment insights

• Insurance tracking

• Net-worth dashboard

Pros

• All-in-one wealth app

• Great for people building long-term financial discipline

• Automated reminders and bill tracking

Cons

• Expense Module is not as advanced as Axio/Moneyview

• Heavy app due to multiple features

Best For:

People who want saving + investing + expense tracking in a single ecosystem.

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6. Money Manager – Best Detailed Expense Tracker

Unlike automatic SMS-based apps, Money Manager (Realbyte) focuses on fine-grained manual control, making it perfect for users who want to track every rupee manually.

Key Features

• Double-entry bookkeeping

• Multiple accounts & cards

• Graphs, reports and export to Excel

• Recurring transactions

• Passcode protection

Pros

• Very detailed and accurate

• Multi-currency support

• Great for advanced users

Cons

• Manual entry required

• Steeper learning curve

Best For:

Users who want a professional-level expense tracker with maximum customisation.

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7. Khatabook / OKCredit – Best for Small Business 

These apps are popular among small business owners and shopkeepers, but also work well for individuals who want simple ledger-style expense tracking.

Key Features

• Simple ledger format

• Customer credit and payments

• Expense recording

• Free backup and cloud sync

• Reminder messages

Pros

• Very easy to use

• Works for business and personal use

• Supports regional languages

Cons

• Not ideal for detailed personal tracking

• Few savings/budgeting tools

Best For:

Freelancers, shop owners, or people who want a simple small-business + personal tracker.

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Comparison Table: Best Expense Tracker Apps in India

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How to Choose the Best Expense Tracker App

Here are the factors you should consider before choosing:

1. Your expense style

• If you want everything automated → Axio / Moneyview

• If you want manual accuracy → Money Manager

2. Your savings behaviour

• For disciplined saving → Jupiter / Fi

• For long-term investing → ETMoney

3. Your bank/UPI usage

Some apps work better depending on whether your primary payments happen via:

• UPI

• Debit card

• Credit card

• Net banking

4. Data privacy

Always check:

• What permissions are required

• How your data is stored

• Whether SMS scanning is optional

5. Additional features you want

• Budgeting

• Credit score

• Monthly summaries

• Investment tracking

• Bill reminders

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Why Expense Tracking Matters in India

India’s digital payment adoption is massive:

• Over 13 billion UPI transactions a month

• Multiple credit card EMIs

• Online subscriptions

• Wallet and bank accounts

• Buy-now-pay-later (BNPL)

Without tracking your expenses, it’s easy to overspend without noticing.
A good expense tracker helps you:

• Avoid hidden charges

• Catch subscription renewals

• Prevent debt traps

• Build emergency funds

• Save more without thinking

It’s the simplest habit that dramatically improves your financial life.

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FAQs – Best Expense Trackers in India

1. Which is the best expense tracker for beginners?

Axio or Moneyview – both are simple and automated.

2. Which app is best for saving money automatically?

Jupiter and Fi Money (Pots + automated FIT rules).

3. Which is safest for bank-linked tracking?

Moneyview and Axio both use encrypted data and bank-level security.

4. Which app is best for investors?

ETMoney gives the best blend of expense tracking + investing.

5. Which app works online and offline?

Money Manager (Realbyte) allows full offline manual entry.

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Final Verdict: Which Expense Tracker Should You Choose?

If you want the best all-round expense tracker in India, go with Moneyview Money Manager — it’s reliable, automatic and easy for all types of users.

If you want pure automatic tracking, choose Axio.

If your focus is budgeting + saving, then Jupiter or Fi are the best choices.

If you want deep customisation, choose Money Manager.

And if you’re a small business/freelancer, Khatabook or OKCredit works best.

No matter which one you choose, the key is consistency — track your expenses for at least 30 days, and you’ll start noticing patterns that help you save more effortlessly.

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