8 Best Budgeting Apps to Track Expenses in India 2026

Walnut is one of the most popular money management apps in India. It picks up transaction SMS messages from your banks automatically — no manual entry needed. Built specifically for Indian users, the SMS tracking feature works seamlessly.

• ✓Automatically sorts expenses into categories
• ✓Sends reminders for upcoming bills
• ✓Track cash spending manually
• ✓Easy expense splitting with friends

One of the most straightforward budgeting apps available. You can manually input expenses or connect bank accounts for automatic imports. The standout feature is fully customizable categories and subcategories — track everything exactly how you want.

• ✓Visual reports for monthly spending
• ✓Track all cards in one place
• ✓Double-entry bookkeeping
• ✓Customizable categories & subcategories

Tailor-made for Indian users, mTrakr syncs directly with bank accounts and credit cards. It shines during tax season — calculating your tax liability and suggesting deductions you might be eligible for. GST calculator built right in.

• ✓Auto-categorizes expenses via SMS
• ✓Built-in GST & tax calculators
• ✓Easy bill splitting with friends
• ✓Comprehensive spending analysis

If you like the traditional envelope budgeting method, you'll love Goodbudget. It lets you divide money into virtual envelopes for different expenses. Perfect for hands-on budgeters who want complete control — digital envelopes you adjust on the go.

• ✓Digital envelope budgeting method
• ✓Syncs budgets across all devices
• ✓Monthly & yearly spending reports
• ✓Share envelopes with family

Think of ET Money as your financial pocket knife. Explore mutual funds, compare insurance options and manage your overall wealth in one place. Whether you're tracking daily expenses or planning investments, it handles it all under one roof.

• ✓Track spending & bill payments
• ✓Invest in mutual funds directly
• ✓Smart tax-saving investment advice
• ✓All financial accounts in one dashboard

YNAB is not just about tracking money — it's about changing how you think about financial management. It teaches you better money habits. It's like having a financial coach in your pocket. Starts with a generous 34-day free trial.

• ✓Set & stick to meaningful financial goals
• ✓Real-time spending via bank syncing
• ✓Deep insights into spending patterns
• ✓Educational resources for financial literacy

While not a traditional budgeting app, Cred makes managing credit card expenses effortless and rewards you for being responsible with payments. An app that makes paying credit card bills something to look forward to, thanks to its rewards program.

• ✓All credit card expenses in one view
• ✓Rewards for paying bills on time
• ✓Monitor credit score & what affects it
• ✓Exclusive offers from partner brands

While not strictly a budgeting tool, Splitwise is a lifesaver for anyone sharing expenses. Whether you're splitting rent with roommates or dividing vacation costs with friends, this app makes it painless. Works across devices with multiple currency support.

• ✓Simple tracking of shared expenses
• ✓Reminders for who owes what
• ✓Multi-currency & cross-device support
• ✓Multiple payment settlement options