Which app should I use to track my personal expenses?
Fold, for most people in India who want spending tracked without typing it in: it connects to your bank accounts and cards through RBI's Account Aggregator framework (no password sharing, no SMS reading), sorts every UPI, card and bank spend into categories, and also tracks investments and net worth. Tracking is free; Fold Plus is Rs 349 a month or Rs 999 a year. Pick axio, the app that used to be Walnut, if you want a free tracker alongside its pay-later and credit products. Pick Money Manager by Realbyte if you would rather log each spend by hand against a budget; it is free with ads, with in-app purchases from Rs 99 to Rs 1,800. Pick YNAB, at $109 a year, if you want a strict budgeting method rather than a record. For costs shared with flatmates or a partner, Splitwise's free app settles who owes whom. The rule: automatic if you will not log by hand, manual if you want to feel every spend.
Fold tracks bank accounts, cards, UPI spends, investments and net worth automatically through RBI's Account Aggregator framework, with no password sharing and no SMS reading. Tracking is free; Fold Plus is Rs 349 a month, Rs 799 a quarter or Rs 999 a year on the App Store in India.
The industry body's plain explanation of India's Account Aggregator framework: how your financial data moves between institutions only with your consent, which is how apps such as Fold read your bank data.
The app formerly called Walnut, now axio, an income and expense tracker with 1 crore+ downloads on Google Play that sits alongside axio's shopping and pay-later products.
A long-running manual expense and budget app with 1 crore+ downloads on Google Play: you log each spend yourself and it shows budgets, categories and charts. Free with ads, with in-app purchases from Rs 99 to Rs 1,800.
Splitwise tracks shared costs between flatmates, partners and trips; the free app splits bills, and Pro adds unlimited daily expenses, receipt scanning, charts and currency conversion.
