India Guide
The best personal finance apps for India
'Personal finance app' covers a lot in India — from investment platforms to credit apps to pure expense trackers. The best one depends on whether you want investing, borrowing, or simply to understand your spending.
Here's the landscape, and where Balance fits.
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:
- What the app is really for (investing, credit, or tracking)
- Privacy — SMS/bank access or not
- Rupee and UPI readiness
- Cost and upsell pressure
Apps worth considering
Each of these fits a different kind of user — there's no single winner for everyone:
- ET Money — investing-first, with tracking attached
- Moneyview / axio — India-focused but credit-led and historically SMS-based
- Balance — dedicated, private expense tracking; no investing or credit upsell
Where Balance fits
If you want a focused money tracker rather than an investing or lending app — one that respects your privacy and is free — Balance is built exactly for that.
Frequently asked questions
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.
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.
Which platforms is Balance available on?
Balance is available on Android today. An iOS version is coming soon. It's a mobile app rather than a web dashboard.
Keep exploring
Start understanding your money with Balance.
Free forever, no ads, no bank login. Join the waitlist and we'll send your invite.