If you’ve ever thought “My salary just vanishes every month”, then trust me—you’re not alone. For most salaried employees, managing money feels like a juggling act between rent, EMIs, groceries, and that irresistible Swiggy order.
Here’s the good news: you don’t need to be a financial wizard to stay on top of your money. All you need is a budgeting app that tracks every rupee you spend, saves you from overspending, and helps you plan better.
Let’s check out the best budgeting apps in India for 2025 that can make money management effortless.
🥇 1. Walnut – Expense & Money Tracker
Why it’s great:
- Automatically reads your SMS alerts for expenses (like card swipes, UPI payments, ATM withdrawals).
- Splits expenses into categories like food, travel, shopping.
- Great for salaried employees who don’t want to enter everything manually.
💡 Perfect for: People who want a “set it and forget it” kind of tracker.
🥈 2. ET Money – Smart Personal Finance App
Why it’s great:
- Tracks expenses + lets you invest in mutual funds directly.
- Shows how much you’re spending vs. saving.
- Helps you plan tax-saving investments (very handy during March crunch time).
💡 Perfect for: Salaried professionals who want both expense tracking and investment in one app.
🥉 3. Money Manager (by Realbyte)
Why it’s great:
- Clean, simple design for daily expense tracking.
- Lets you set budgets and see where you’re overspending.
- Easy to export reports into Excel for monthly reviews.
💡 Perfect for: People who love control and don’t mind entering expenses manually.
🔥 4. Goodbudget – Envelope Style Budgeting
Why it’s great:
- Based on the traditional “envelope method” (₹10,000 for rent, ₹5,000 for groceries, etc.).
- Helps you plan before you spend, not after.
- Syncs across devices—great for couples managing joint expenses.
💡 Perfect for: Families or married couples managing shared expenses.
⭐ 5. Google Sheets / Excel (DIY Tracker)
Okay, not technically an “app,” but hear me out.
Sometimes, the simplest solution works best. With Google Sheets, you can:
- Create custom categories (salary, rent, EMIs, investments).
- Track expenses daily or weekly.
- Access it from your phone anywhere.
💡 Perfect for: People who want flexibility and don’t mind some manual effort.
🧠 How to Choose the Right Budgeting App for You
Ask yourself:
- Do I want it to track automatically (like Walnut, ET Money)?
- Do I want a simple input-based tracker (like Money Manager)?
- Do I prefer manual control with customization (like Excel/Sheets)?
🎯 Final Thoughts
At the end of the day, the best budgeting app is the one you’ll actually use.
It doesn’t matter whether it’s Walnut’s automation or a simple Google Sheet—what matters is building the habit of tracking your money.
Because once you see where your money is going, you can finally tell it where it should go.
💬 Your turn: Which budgeting app do you use? Or are you still tracking expenses in your head? (Be honest 😉) Drop your answer in the comments!
📅 Up next: Tomorrow’s topic—How to Build an Emergency Fund on a Monthly Salary.
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