Top 5 Personal Finance Apps Indians Should Try in 2025

With digital banking becoming the norm, personal finance apps have made it easier than ever to manage money. Whether it's tracking expenses, investing in mutual funds, or keeping an eye on your credit score, there's an app for everything. In 2025, these five apps are proving to be the most useful for Indian users.

1. CRED – Rewarding You for Paying Credit Bills

CRED continues to be a favorite for credit card users. The app allows users to pay their credit card bills while earning rewards in the form of cashback, vouchers, and discounts. It also provides insights into spending patterns and tracks your credit score in real-time, making it a great tool for those serious about financial wellness.

2. ET Money – Smart Investment and Tax Saving

For salaried professionals and first-time investors, ET Money simplifies investing in mutual funds, insurance, and NPS. The app also helps users save taxes by offering personalized suggestions under Section 80C. Its clean interface and expert-curated portfolios make it ideal for users who want guided assistance without paying advisory fees.

3. Walnut – Expense Tracking Made Easy

Walnut is an excellent app for tracking your daily expenses. It categorizes your spending automatically, helping you analyze where your money is going each month. It even detects bills from your SMS inbox and keeps a record without you having to input data manually. For people trying to stick to a monthly budget, Walnut is extremely helpful.

4. Groww – Investing Without Jargon

Groww has become a household name for mutual fund and stock market investors. The app has a user-friendly interface and offers educational resources that explain complex financial terms in simple language. Whether you’re looking to invest in SIPs, stocks, or ETFs, Groww makes the process beginner-friendly and paperless.

5. Paytm Money – For the All-Rounder Investor

Paytm Money has evolved from being just a wallet extension to a full-fledged financial platform. It allows users to invest in stocks, mutual funds, NPS, and even gold. You can also track market trends, access analyst reports, and create a diversified portfolio. With low brokerage rates and zero commission on direct mutual funds, it is a cost-effective choice.

Choosing the Right App for You

While all these apps offer useful tools, the best one for you depends on your financial goals. If you want to manage your credit score and bills, CRED is ideal. If you're more investment-focused, Groww or ET Money may suit you better. For budgeting and expense tracking, Walnut is your go-to.

Conclusion

Managing money no longer requires spreadsheets and manual logs. The right personal finance app can give you control, clarity, and confidence over your finances. In 2025, with so many smart choices available, it’s all about finding the one that works best for your lifestyle and goals.

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