With the best daily expense tracker app, you can see where every rupee is going. Not only this, you can also set smart budgets and set auto reminders in case you cross your monthly set limits.

The monthly expense tracker app not only tracks your daily expenses but also highlights patterns in your spending, helping you save for your future goals.

What is a Personal Expense Tracker App?

A personal expense tracker app is like a financial diary on your phone. It records and categorises your expenses, tracks your income, and highlights where your money goes every day, week, or month. 

Unlike the handwritten notebooks and heavy registers that our parents and grandparents used, a monthly expense tracker app does the work automatically, syncing with your bank or wallet.

For example, a salaried person in Mumbai might spend on rent, travel, food delivery, and subscriptions without realising how much each category takes from their budget. 

The best daily expense tracker app will not only show this breakdown but also send alerts when spending crosses limits. Over time, this makes saving for bigger goals like travel, emergencies, or investments much easier.

With the best expense tracker app India, you can:

• Record every spend across food, transport, shopping, and bills.
• Track income from salary, freelancing, or even pocket money.
• Set budgets and get alerts before you overshoot.
• Analyse patterns with charts and insights.
• Build better saving habits for the long term.

Let’s look at the 5 best personal expense tracker apps in India.

1. jUMPP – Smarter Personal Finance in 2025

I have experimented with a few daily expense tracker apps. While most of them were good at recording expenses, jUMPP felt different because of how it predicts expenses and even talks back through its jAI.

For me, this was useful when planning my monthly rent, EMIs, and weekend splurges.”

Here, you highlight why it stood out for you, not just why it’s “best.

When it comes to the best personal expense tracker app in India, jUMPP stands out as more than just a tracker. It acts as your financial guide, helping you spend wisely, save consistently, and plan ahead.

Here’s why jUMPP stands apart from other free expense tracker apps in India

• AI assistant jAI answers financial questions in hindi and English.
• jAIlytics gives insights into savings, expenses, and money patterns.
• Multiple bank accounts can be linked in one place for a clear view.
• Features like Loan It, Pay Fast, Invest Up, and Save On bring extra financial flexibility.

For a college student, jUMPP can track pocket money and daily food spending. For a salaried professional, it can forecast bills and plan EMI payments. If you’re searching for the best free expense tracker app India that goes beyond tracking, jUMPP is the one to try.

2. Moneyview – Offers Automatic Tracking 

When I tested Moneyview, I liked how it pulled data directly from my bank SMS alerts without me doing manual entries. For someone like me who forgets to note down and spends instantly, that was a relief. Many Indian users on Reddit recommend Moneyview for simplicity

It is one of the most popular choices among Indians looking for the best expense tracker app. This personal expense tracker automatically syncs with your bank, saving you from manual entries.

Features of the best expense tracker app that is also free and simple-

• Auto-categorises expenses directly from bank transactions.
• Gives weekly and monthly summaries of your spending.
• Reminds you of upcoming bills, so you never pay late fees.
• Offers instant personal loans digitally, ranging from ₹5,000 to ₹10 lakh.

For someone managing multiple bank accounts or digital wallets, this monthly expense tracker app simplifies things by bringing all finances together in one place.

3. Monefy – The Simple Daily Tracker

I tried Monefy during my college days, and the quick-add option really worked when I was splitting bills with friends. It made daily expense logging less of a task

If you’re looking for the best daily expense tracker app that is simple yet effective, Monefy is a strong choice. Adding an expense takes only a few seconds, which makes it easy to build the habit of tracking.

Unique features of this daily expense tracker:

• Quick-add option for expenses in any category.
• Supports multiple currencies, handy for frequent travellers.
• Provides colourful charts that clearly show spending patterns.
• Protects data with passcode security.

For young professionals or students, Monefy is the best free expense tracker app if you want minimal features that still help you stay disciplined with money.

4. Spendee – For Shared Budgets and Family Use

Spendee stood out to me when I shared rent with a flatmate. The shared wallet made it easier to track who paid for what, without awkward calculations.

Spendee is perfect for people who share expenses with family or roommates. It connects with your bank accounts, e-wallets, and even crypto wallets, offering a full picture of your money flow.

Useful features of this monthly expense tracker-

• Smart visualisations through charts and graphs.
• Personalised budgets for different categories with alerts.
• Shared wallets for group expense management.
• Works seamlessly on both Android and iOS.

If you’re managing household budgets with your spouse or splitting rent with friends, this personal expense tracker app India makes shared spending stress-free.

5. Axio – Expense Tracker with Bill Reminders

Axio came in handy once when I missed my Tatasky subscription renewal. Its bill reminders are genuinely useful if you’re juggling multiple EMIs and OTT accounts like I do

Axio is another contender for the best personal expense tracker app in India. It not only tracks your spending but also helps you stay on top of bill payments.

Features:

• Automatically categorises daily transactions.
• Let's you set monthly budgets and alerts when nearing the limit.
• Sends reminders for upcoming bills.
• Offers a “Pay Later” option for flexible purchases.

For people who juggle multiple EMIs, subscriptions, and bills, Axio is more than just a free personal expense tracker app in India. It is a financial organiser.

Final Thoughts

Managing money in India today is tougher than ever because of the ease of digital payments. But you need to choose the best expense tracker app free for a seamless budgeting experience. Whether you want a simple daily log of expenses or a full financial management system, there is an app for every need.

Start with jUMPP if you want an all-in-one solution, or pick apps like Monefy and Spendee if you prefer simplicity or shared budgets. The important thing is not which app you use, but that you start tracking. The best personal expense tracker app in India is the one that fits your lifestyle and makes money management a daily habit. Among all, to me, jUMPP feels most future-ready with AI features that other expense tracker apps in India don’t yet offer.