Are you someone who wonders — “Where did all my money go this month?” Or maybe you earn decently but saving just never seems to happen
You’re not alone.
Most of us in India struggle with one or more of these issues: Salary comes and goes. It becomes difficult to keep track of expenses. Credit card bill or UPI breakdown is not available. Investment planning becomes the last priority.
But here’s what I think…
If we use the right Top 7 Apps Every Indian Should Use to Track & Save Money — that work automatically — we can change our financial life without effort.
So let’s dive into:
✅ Top 7 Apps Every Indian Should Use to Track & Save Money Automatically
🏆 Quick Comparison Table: Top 7 Apps Every Indian Should Use
| App Name | Best For | Auto Features | Platform | Rating (Play Store) | Download |
| Wallet | Expense tracking | Auto SMS sync | Android/iOS | ⭐4.2 | Download 🔗 |
| ET Money | Investments & insights | Auto SIP/track spends | Android/iOS | ⭐4.5 | Download 🔗 |
| Money View | Budget + Credit score | Auto categorization | Android | ⭐4.4 | Download 🔗 |
| INDMoney | US/Indian Investments | Auto asset tracking | Android/iOS | ⭐4.3 | Download 🔗 |
| CRED | Credit card savings | Auto bill alerts/rewards | Android/iOS | ⭐4.3 | Download 🔗 |
| Jar App | Gold savings | Auto ₹10 daily saving | Android/iOS | ⭐4.6 | Download 🔗 |
| Fi Money | Smart savings goals | Auto rules/sweep | Android/iOS | ⭐4.4 | Download 🔗 |
1. 🟣 Wallet – Set & Forget Expense Tracking
What I think: Wallet is your money manager buddy — no data entry needed!
Key Features:
- Reads SMS and auto-categorizes spends (secured).
- Monthly budget alerts.
- Bill reminders & split bills with friends.
2. 🟢 ET Money – Smarter Investing, Effortless Saving
How I think: If you want to track AND invest, ET Money is best-in-class.
Why Use:
- Auto-detects mutual funds, SIPs, insurance from SMS.
- Tracks net worth in one place.
- Tax-saving & personalized plans.
🤑 Bonus: Direct mutual funds = higher returns.
3. 🟡 Money View – Budget & Credit Score in One
I personally like it for its simplicity and real-time budget view.
Features:
- Tracks bank balance, spending pattern, and limits.
- Check and improve your credit score.
- Great if you’re planning to take a loan.
4. 🟠 INDMoney – Your Investment Dashboard
Want to see all your stocks, FDs, mutual funds, EPF, and even US stocks in one place?
This is the app!
Smart Features:
- Connect Gmail to auto-track all assets.
- SIP suggestions & financial planning tools.
- Also helps file ITR!
5. 🔵 CRED – Save on Credit Card Bills
What I think: If you have a credit card, you must use CRED.
Top Features:
- Auto-reminds you of card bills.
- Rewards in form of cashback, vouchers.
- Credit score tracking.
6. 🟤 Jar App – Save ₹10 a Day in Gold Automatically
I love this one for those who find it hard to save money manually.
Key Features:
- Auto-debits ₹10 or ₹20 from your bank.
- Converts it into digital gold.
- Flexible withdrawal, safe and trusted.
7. 🟢 Fi Money – Auto-Savings + Cool Design
What if your savings could be fun? Fi uses “rules” like:
🟢 Save ₹50 every time you order Zomato.
🟢 Round-up & auto-sweep money to savings jar.
💬 Final Thoughts: What Should You Start With?
If you’re just starting, go with:
- Wallet + Jar combo: Track + Save
- Then upgrade to ET Money or INDMoney for investments
👉 You don’t need to do everything at once.
Pick 2-3 apps that fit your lifestyle, and automate your savings journey.
📥 Bonus Freebie for Readers:
🎁 Free PDF:” 👉 Click Here to Download
🙋♂️ FAQs – You Might Be Wondering…
1. Are these apps safe?
Yes. All mentioned apps use bank-level encryption and are trusted by lakhs of Indians.
2. Can I use more than one app?
Definitely. I recommend using 2-3 apps — one for tracking, one for saving, one for investment.
3. Are there any hidden charges?
All listed apps are free or freemium. No hidden charges for basic usage.
4. Will it affect my credit score?
No. In fact, apps like CRED and Money View help you improve your credit score.
5. How much can I save automatically per month?
Even ₹10/day = ₹300/month = ₹3,600/year. Small steps, big impact.
6. Do these apps support all Indian banks?
Yes, most apps support 50+ Indian banks and UPI systems.
7. Which is best for beginners?
Walnut for tracking, Jar for saving, and ET Money for investing.
📢 Your Turn: Start Saving Smarter Today!
Don’t just read — take action.
Install your first app today. Set one savings rule. Watch your money grow without effort.
💡 If this helped you, share this post with a friend or on WhatsApp.
Let’s help India become smarter with money 💰
🔗 Related Posts You May Love:
- Top 5 Mutual Fund Apps for Beginners (2025 Guide)
- “7 Shocking Indian Value Investing Case Studies That Prove Margin of Safety Works Like Magic!”
- “What is Fundamental Analysis? Beginner’s Guide to Picking Profitable Stocks in India”