It is the 20th of the month. You check your wallet (or UPI app) and realize you have only ₹200 left. You ask yourself, "Where did all my money go?" Did you spend it on food? Travel? Or those small ₹20 UPI payments that add up? If you don't track your money, you will always be broke. In 2025, you don't need a diary. Here are the Top 5 Free Expense Tracker Apps in India that read your SMS and track your spending automatically. 1. Axio (Formerly Walnut) - The Best All-Rounder This is the most popular app in India. How it works: It reads your transactional SMS (from banks/UPI) and automatically categorizes expenses into "Food," "Travel," "Bills," etc. Privacy: It does not read your OTPs or personal messages. Best Feature: It reminds you to pay credit card bills on time. 2. Money Manager Expense & Budget If you prefer entering data manually for 100% privacy. Visuals: It creates beautiful pie charts showing exactly what percentage of ...
It is the 20th of the month. You check your wallet (or UPI app) and realize you have only ₹200 left. You ask yourself, "Where did all my money go?"
Did you spend it on food? Travel? Or those small ₹20 UPI payments that add up?
If you don't track your money, you will always be broke. In 2025, you don't need a diary. Here are the Top 5 Free Expense Tracker Apps in India that read your SMS and track your spending automatically.
1. Axio (Formerly Walnut) - The Best All-Rounder
This is the most popular app in India.
How it works: It reads your transactional SMS (from banks/UPI) and automatically categorizes expenses into "Food," "Travel," "Bills," etc.
Privacy: It does not read your OTPs or personal messages.
Best Feature: It reminds you to pay credit card bills on time.
2. Money Manager Expense & Budget
If you prefer entering data manually for 100% privacy.
Visuals: It creates beautiful pie charts showing exactly what percentage of money you spent on snacks vs. books.
Budgeting: You can set a limit (e.g., "Only ₹1,000 for Fast Food"). If you cross it, the app turns red and warns you.
3. Jupiter (Neobank)
If you open a Jupiter account (Federal Bank), the tracking is built-in.
Insights: It tells you your "Net Worth" in real-time.
Sleep Mode: It helps you see if you are overspending on specific categories like "Late Night Cravings."
4. Splitwise (For Hostel Life)
Living with roommates? This is mandatory.
The Problem: You paid for dinner, your roommate paid for the auto. Who owes whom?
The Solution: Add expenses in Splitwise. It automatically calculates the math (e.g., "Rohan owes you ₹150").
5. Goodbudget (Envelope System)
For students who are strict about saving.
Concept: You create virtual "Envelopes" (e.g., ₹2,000 for Food). Once the envelope is empty, you stop spending.
Sync: You can share the budget with your parents if they want to monitor your college expenses.
Conclusion
You cannot manage what you do not measure. Download one of these apps today. Just seeing your expenses on a screen will make you think twice before ordering that extra pizza.
Want to increase your monthly budget?
Stop just saving, start earning! 👉
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