Best Money Management Apps You Should Try

Managing money has never been easier. Thanks to smartphones and fintech, you now have the power to track spending, set budgets, invest smartly, and achieve financial goals—right from your pocket.

Whether you’re saving for an emergency fund, tracking your daily expenses, or planning a vacation, these top-rated money management apps can help you take control of your finances effortlessly.

🔝 1. Walnut

Best For: Expense Tracking & Budgeting

Key Features:

• Automatically tracks expenses from SMS
• Categorizes spends (food, travel, shopping, etc.)
• Set monthly budgets and alerts
• Split bills with friends
• No bank login required

Pros:

• Simple UI
• Works offline
• Great for beginners

Available On: Android

🔝 2. Money Manager App by Realbyte

Best For: Manual Expense Logging & Detailed Reports

Key Features:

• Tracks income and expenses by category
• Offers charts and daily/weekly/monthly reports
• Password protection for privacy
• Export data to Excel

Pros:

• Visually clean interface
• Easy to back up and restore data
• Works offline

Available On: Android, iOS

🔝 3. ETMONEY

Best For: Investment + Expense Tracking

Key Features:

• Track expenses via SMS detection
• Invest in mutual funds, NPS, and insurance
• Get credit score insights
• Budget planner and goal tracker

Pros:

• All-in-one money manager
• Strong security features
• Great for mutual fund investors

Available On: Android, iOS

🔝 4. Goodbudget

Best For: Envelope Budgeting

Key Features:

• Allocate budget into digital “envelopes”
• Manually enter income and expenses
• Syncs with multiple devices
• Ideal for couples or family budgets

Pros:

• Encourages discipline in spending
• Easy to share with partner
• Cloud backup

Available On: Android, iOS

🔝 5. YONO by SBI

Best For: SBI Users (Banking + Budgeting)

Key Features:

• Banking, bill payments, and fund transfers
• Spend analyzer and budget planning
• Offers shopping, investments, insurance

Pros:

• Unified access for SBI customers
• Highly secure
• Good loyalty offers

Available On: Android, iOS

🔝 6. Bajaj Finserv App

Best For: Tracking EMIs, Credit, and Investments

Key Features:

• View EMIs, loans, fixed deposits, and credit card usage
• Access to pre-approved loan offers
• Track expenses and savings
• Free credit score checks

Pros:

• Financial overview in one place
• Personalized offers
• Trusted NBFC backend

Available On: Android, iOS

🔝 7. Google Sheets (with Budget Template)

Best For: DIY Budgeting & Customization

Key Features:

• Create custom expense trackers
• Use templates for monthly budgets or goal planning
• Share with spouse or family
• Cloud sync via Google Drive

Pros:

• 100% customizable
• No ads or fees
• Fully transparent

Available On: Web, Android, iOS

🔝 8. Cube Wealth

Best For: Automated Investment Management

Key Features:

• Invest in mutual funds, gold, US stocks
• Guided by expert advisors
• Track net worth across assets

Pros:

• Simple investing for busy professionals
• Trusted fund recommendations
• Long-term goal focus

Available On: Android, iOS

🔝 9. Splitwise

Best For: Shared Expenses & Group Settlements

Key Features:

• Track shared bills (rent, food, trips)
• Split expenses evenly or by percentage
• Works offline and syncs later

Pros:

• Great for roommates, couples, and friends
• Avoids awkward money conversations
• Easy to use

Available On: Android, iOS

🔝 10. Cred

Best For: Credit Card Bill Payments + Rewards

Key Features:

• Pay credit card bills & earn rewards
• Get analysis of your spending behavior
• Offers on brands, gadgets, and travel

Pros:

• Timely bill reminders
• Good for disciplined credit card users
• Premium user interface

Available On: Android, iOS

💡 How to Choose the Right App for You

Final Thoughts

In the digital age, managing your money doesn’t require a degree in finance—it just takes the right app. These tools not only track your cash flow but help you build better financial habits for the long term.

Try out a few of these apps, find what works best for your lifestyle, and start building financial clarity and confidence—one rupee at a time.

Disclaimer: This blog is for informational purposes only. App features may change; please check the latest updates and reviews before downloading.