Managing money doesn’t have to be boring or complicated.
In 2025, there are amazing free apps that make budgeting, investing, and tracking your money super easy — even for beginners.
Here are the 7 best free money apps for Indians to save smarter, invest better, and grow richer 💸📱
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📊 1. INDmoney – All-in-One Finance App
Features:
Track your net worth
Auto-track mutual funds, stocks, expenses
Invest in US & Indian stocks
💡 Bonus: Free tools + credit score tracking
Why Use: Perfect for those who want everything in one app
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📉 2. ET Money – Smart Investing + Expense Tracking
Features:
Invest in mutual funds (zero commission)
Set budget and track expenses
Insurance suggestions
Why Use: Great for mutual fund beginners & monthly budgeting
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💸 3. Groww – Easiest App to Start Investing
Features:
Invest in Mutual Funds, Stocks, FDs
₹100 SIP start
Super clean UI
Why Use: Best for beginners who are scared of investing
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🧾 4. Walnut – Personal Expense Tracker
Features:
Tracks expenses via SMS automatically
Set daily/monthly spending limits
Smart analytics of your spending
Why Use: Simple app to control your spending habits
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📈 5. Zerodha (via Kite) – For Stock Market Investing
Features:
Low-cost brokerage
Advance charting & analysis
Works well for traders & long-term investors
Why Use: Best platform if you're serious about stocks
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💰 6. OneScore – Credit Score & Loan Tracking
Features:
Check your credit score (CIBIL) free
Track loans & repayments
No spammy credit card offers
Why Use: Keep your credit score healthy = better financial future
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📦 7. CRED – For Paying Credit Card Bills Smartly
Features:
Pay credit card bills & earn rewards
Get cashback, discounts
Track due dates
Why Use: Credit card users MUST have this
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🧠 Bonus Tip: Use Google Sheets Too
If you want full control, create a custom budget sheet and update it weekly.
Simple. Effective. Free.
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🚀 Final Thought
You don’t need a financial advisor to manage your money.
You just need the right apps — and the right mindset.
💼 These 7 apps are your financial toolkit for 2025.
Download, explore, and start your Budget to Billion journey today.
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📌 Coming Soon:
Best Budget Templates (Free Download)
How to Use Google Sheets to Track Income & Expenses
Daily Money Routine of Smart Earners
– Team Budget to Billion
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