India Guide
The best free expense trackers for India
Free and India-ready is a narrower list than it looks, once you rule out apps that fund themselves with ads, credit upsell or SMS-driven data.
Here's how the free, rupee-native options compare.
Free · No ads · Made in India · Android (iOS coming soon)
How we chose
Rather than rank on brand, it's more useful to judge these apps on what actually affects daily use:
- Genuinely free core tracking and analytics
- UPI and rupee support out of the box
- No ads, credit upsell or SMS scraping
- Export you can actually use
Apps worth considering
Each of these fits a different kind of user — there's no single winner for everyone:
- Balance — free, ad-free, UPI-screenshot scanning, ₹-native, no SMS
- Money Manager — free but ad-supported; not India-specific
- ET Money — free tracking bundled with investment products
Where Balance fits
Balance is free without ads or upsell and built for Indian spending, which makes it a clean pick if you want free and local without trade-offs on privacy.
Frequently asked questions
Is Balance really free?
Yes. Balance is free to use with no ads and no mandatory subscription. Core expense tracking, categories, analytics, receipt scanning and CSV export are all included at no cost.
Are there ads?
No. Balance shows no ads and uses no advertising SDKs or third-party trackers. Your spending data is never sold.
Does Balance connect to my bank?
No. Balance never asks for a bank login, net-banking credentials, or SMS access. You add transactions yourself — by scanning a receipt or UPI screenshot, or entering them manually — so nothing sensitive is exposed.
Keep exploring
Start understanding your money with Balance.
Free forever, no ads, no bank login. Join the waitlist and we'll send your invite.