Swiping cards for food, shopping, or travel is easy, but tracking these expenses is not. In our busy lifestyles, we are spending more on subscriptions, online food orders, and daily conveniences. But, do we ever wait a second to even analyse what is the impact of these on our finances?
So, how do you control this?
The answer lies in using a good expense tracker app.
To help you get started, here are the 7 best personal expense tracker apps in India that can help you manage your spending and save more each month.
Table of Contents
What is an Expense Tracker App?
An expense tracker app is a digital tool. It helps you keep a close track of your money every day. Usually, it’s a mobile app or a website where you can enter details of what you spend and earn. Gone are the days of writing your daily kharchaas in your notebook or register. Now, all of that work is done automatically by these apps.
For example, if you order something from Amazon/Myntra or any other e-commerce website or pay your electricity bill, the app will record those expenses for you. It helps you see exactly how much money goes out and where it’s going.
Swiping Cards is Easy, But Saving Isn’t. Here’s How the Best Expense Tracker App Can Help You!
With a free personal expense tracker app, you can do many useful things like:
- Record your daily spending: Whether it’s groceries from the market, petrol for your bike, or your monthly mobile recharge, you can keep track of everything.
- Keep track of your income: It doesn’t matter if your money comes from your monthly salary, business, freelance work, or even pocket money. You can add all these sources.
- Set monthly budgets: For example, you might decide to spend only ₹5,000 on eating out each month. The app will send you alerts if you’re about to cross this limit.
- Understand your spending habits: By looking at charts and reports, you can find out if you’re spending too much on subscriptions, clothes, or unnecessary shopping.
- Save better and plan goals: You can plan to save for a new phone or a vacation by tracking how much you put aside regularly.
The best personal expense tracker app works great for people who use digital payments like UPI, credit/debit cards, or mobile wallets such as Paytm or Google Pay. They automatically link to your bank or wallet and update your expenses, so you don’t have to enter everything manually.
In short, an expense tracker app helps you save more.
Best Free Expense Tracker App – Discover the Top 7 Personal Expense Tracker Apps in India
Managing your money becomes easier with the best expense tracker app. Whether you want to control daily spending or plan your monthly budget, these personal expense tracker apps in India do it all.
Let’s check out some of the best free expense tracker apps and monthly expense tracker apps that are popular in India:
1. jUMPP
Track Smarter with jUMPP: India’s AI-Powered Expense Tracker App
Jumpp is one of the best expense tracker apps free that brings smart AI features to help you manage your money. It tracks your expenses automatically, sorting them into fixed and personalised categories. With jUMPP’s AI assistant, you can ask questions about your budget using voice commands.
- AI-Powered Tracking: jUMPP’s smart AI keeps an eye on your spending in real-time. It automatically groups your expenses into 5 fixed and up to 8 custom categories made just for you.
- Smart Budget Suggestions: Based on how you usually spend, the best free expense tracker app guesses your future expenses. Thus, it helps you plan a budget that fits your lifestyle.
- Voice Assistance (jAI): You can simply talk to jAI—JUMPP’s voice assistant—to ask questions about your money, like “How much did I spend on food this month?”
- Insightful Reports (jAIlytics): Know how you’re doing financially with clear insights like your monthly savings, average spending, and overall money health.
- Quick Actions: With tools like:
- Loan It – track or manage personal loans
- Pay Fast – make payments easily
- Invest Up – explore investment options
- Save On – find smart saving ideas jUMPP becomes more than just a tracker—it’s your personal money assistant.
This best expense tracker app free also has features like “Loan It” for easy borrowing, ‘Pay Fast’ for making instant payments and “Invest Up” to grow your savings.
2. Spendee- Track Expenses, Budgets & Shared Wallets Effortlessly
Spendee is a free personal expense tracker app in India that links all your accounts. That means you have your bank, wallets, and even crypto in one place. It helps you see where your money goes with clear charts and alerts you when you overspend. You can share wallets with family or roommates, making it easier to split bills and track group expenses.
3. Moneyview- India’s Trusted Money Manager for Easy Budgeting
Moneyview is a popular expense tracker app in India that syncs automatically with your bank accounts. It tracks expenses and sends bill reminders. You can also apply for instant personal loans if you need quick cash.
For example, Moneyview helps you stay within your budget and manage your bills on time, so you avoid late fees.w
4. Goodbudget – Envelope-Style Budgeting for Smarter Spending in India
Goodbudget is a classic personal expense tracker app India that uses the envelope budgeting method. It lets you set aside money for different spending categories and stick to your budget. If you spend your monthly shopping budget early, Goodbudget will show you that, helping you control overspending.
5. Monefy – Simple and Easy-to-Use Expense Tracker App for Indians
Monefy is one of the easiest best expense tracker apps free to use. It supports multiple currencies and syncs across devices, so it’s perfect for people who travel or have expenses in different currencies. With passcode protection, your financial data stays safe.
6. AXIO- A Smart Way to Track Your Spending in India
If you’re looking for a simple and effective way to manage your monthly expenses, Axio is one of the top choices in India. This monthly expense tracker app comes with helpful tools.
These include-
- Auto-Categorised Expenses: You don’t have to sort your spending manually. The app does it for you.
- Set and Monitor Budgets: Plan your monthly budget for each category, like food or shopping, and get alerts when you’re nearing the limit.
- Bill Reminders: No more late fees! Axio reminds you of upcoming payments so you stay on track.
- Pay Later Option: Want to buy something now and pay later? Use Axio’s convenient “Pay Later” feature to split your payments into smaller parts.
- Visual Spending Summary: Understand where your money goes each month with easy-to-read charts and spending insights.
7. Wallet
Wallet is a personal finance app that helps you manage your money smartly. From tracking your spending to setting up budgets, this app covers it all in a simple way.
- Auto Bank Sync: Wallet connects with 15,000+ banks globally. It automatically updates your transactions and puts them into categories so you don’t have to do it manually.
- Smart Budgeting: Whether it’s a daily tea budget or monthly rent, you can set any type of budget.
- Bill & Subscription Alerts: Don’t miss due dates anymore. Wallet reminds you to pay bills or subscriptions on time so your cash flow stays smooth.
- Visual Financial Reports: With easy-to-read charts and graphs, you can see where you are spending every day and every month.
- Shared Access: Want to manage money together with your partner or family? You can share selected accounts to track expenses as a team.
If you want a one-stop solution to handle your daily money matters with ease, this app is worth checking out.
Final Thoughts
Still thinking, which one’s the best expense tracker app?
The ideal free expense tracker app isn’t just about features. It is about how effortlessly it fits into your daily life. The one that tracks smartly, reminds gently, and helps you save without feeling restricted… that’s the one you stick with.
Want to avoid unnecessary spending and hit your savings goals?
Download one of these best expense tracker apps free and see the difference for yourself.
