Leading Personal Finance Apps to Manage, Save or Grow Your Money

In today's fast-paced world, managing personal finances efficiently is crucial. Several mobile apps are designed to help you manage, save, and grow your money. These enable you to track your budget and savings, analyse your investments, and buy new financial products when needed. You can thus fulfil all your financial needs on a single mobile app quite conveniently. Here’s a look at some personal finance apps available in India:

1. Credit Karma

The Credit Karma App keeps you updated on your TransUnion CIBIL and Equifax Scores. Based on these, it also suggests financial products like credit cards and loans you can apply for. This can significantly streamline the application process and increase the chances of approval. The app also enables you to get insights and recommendations on how to improve your credit score.

Unique Features:

  • 'Personalised Approval Odds' provide estimates on your likelihood of approval for various products

  • Free access to your credit scores and reports from TransUnion CIBIL and Equifax

  • You can dispute credit report errors directly from the app

  • Suggestions for credit cards and loans tailored to your credit profile

  • Alerts and notifications about important changes in your credit report

  • Integration of personal financial data to track and manage debts

  • 'Relief Roadmap' provides access to resources about government programs, unemployment benefits, etc.

  • Free ID monitoring to spot identity theft and other risks

2. Bajaj Markets App

The Bajaj Markets app can help you manage and grow your money. It offers easy access to a wide range of loan, insurance, credit card, and investment options. You can also check your complete credit health report from TransUnion CIBIL for free. This helps you get the required financial products and services at your fingertips.

Unique Features:

  • Personalised credit health report with ‘DID YOU KNOW’ and ‘IMPROVE YOUR SCORE’ widgets

  • Personal Finance Manager that helps you track your expenses and budget better

  • Products and services from more than 80 financial institutions to choose from

  • Pre-approved offers based on your credit profile and financial situation

  • Pocket insurance policies to protect small valuables like your wallet, eyewear, etc.

  • Use tools like the FD and EMI calculators to gain insights in to your investments and debts

  • Chatbot 'YARA' provides quick assistance and answers to all your queries

Click here to get the app.

3. Axio

Axio combines effective money management tools with flexible credit options. Merging the expertise of Capital Float, Walnut, and Walnut369, Axio offers an integrated suite of services. This includes expense tracking, instant personal loans, and pay-later options. Embracing a user-first approach, it aims to make these services easily accessible.

Unique Features:

  • Easily track expenses, maintain budgets, and manage credit card and utility bill payments

  • Access instant credit for purchases and repay in easy EMIs

  • You can get quick access to funds with a simple registration process and timely approval

  • Benefit from zero hidden charges and be assured of complete transparency

  • Split expenses with friends and send automatic follow-ups

  • Pay with instant credit at the click of a button

4. ET Money

Features: ET Money is a robust personal finance app tailored for Indians. It provides a platform to manage expenses, invest in mutual funds, and prepare for taxes. The app offers automatic expense categorisation, alongside detailed insights into spending habits.

Unique Features:

  • Direct mutual fund investments that are commission-free, hence increasing your returns

  • FD and NPS investment options for long-term financial goals

  • Term and health insurance options for you and your family

  • 'Fund Report Card' feature that enables you to find the best-performing funds instantly

Each of these apps offers tools designed to simplify the management of your finances. These help reduce unnecessary expenditures and help you invest wisely. Whether you are a seasoned investor or just starting out, these apps can provide the support you need. By choosing the right app, you can make informed decisions that can enhance your financial well-being.

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