Stay Smarter With Your Money – These Apps Will Make It Happen
In 2025, managing money isn’t just about bank accounts and spreadsheets — it’s about having the right app on your phone. Whether you’re saving, investing, tracking expenses, or building wealth, the right finance app can simplify your journey and help you grow faster. But with thousands of apps out there, which ones are really worth your time?
We’ve done the digging for you. Here’s a list of the Top 10 finance apps you must try in 2025 — covering personal finance, budgeting, investing, UPI payments, credit score tracking, and even crypto!
📱 Quick Comparison: Best Finance Apps of 2025
App Name Best For Platforms Free Plan Available Rating (Out of 5)
CRED Credit Card Management Android, iOS ✅ Yes ⭐️⭐️⭐️⭐️⭐️
Zerodha (Kite) Stock Investing Android, iOS ✅ Yes ⭐️⭐️⭐️⭐️½
Groww Mutual Funds & Stocks Android, iOS ✅ Yes ⭐️⭐️⭐️⭐️⭐️
Walnut Expense Tracking Android, iOS ✅ Yes ⭐️⭐️⭐️⭐️
Jupiter Money Digital Banking Android, iOS ✅ Yes ⭐️⭐️⭐️⭐️½
Paytm Money Low-Cost Investing Android, iOS ✅ Yes ⭐️⭐️⭐️⭐️
Coin by Zerodha Direct Mutual Funds Android, iOS ✅ Yes ⭐️⭐️⭐️⭐️½
ET Money All-in-One Finance Android, iOS ✅ Yes ⭐️⭐️⭐️⭐️½
Kuvera Goal-Based Investing Android, iOS ✅ Yes ⭐️⭐️⭐️⭐️
CoinSwitch Crypto Investing Android, iOS ✅ Yes ⭐️⭐️⭐️⭐️½
🔟 The Top 10 Finance Apps You Need in 2025
- CRED – Best for Credit Card Bill Payments & Rewards
Tagline: Pay your credit card bills and get rewards? Yes please!
CRED has become a household name in India for managing credit card bills. In 2025, they’ve expanded their features to include BNPL (Buy Now Pay Later), loan offers, and credit score tracking.
Why You’ll Love It:
Tracks all your credit cards in one place
Rewards you with CRED coins for every bill payment
Shows credit score and tips to improve it
Who’s It For?
Anyone with a credit card who loves rewards, reminders, and cashback.
- Zerodha (Kite) – Best for Stock Trading
Tagline: India’s most trusted and beginner-friendly stock trading app.
Zerodha’s Kite app continues to dominate the stock trading market. With zero delivery charges and low brokerage, it’s ideal for both beginners and seasoned traders.
Features to Highlight:
Smooth UI with live stock charts
Research tools and reports
Integration with Coin (for mutual funds)
Bonus: They now offer smallcase investments for ready-made portfolios.
- Groww – Best for Mutual Fund & Stock Investing
Tagline: One app for investing in stocks, mutual funds, and more.
Groww has gained major traction in 2025 for its simplicity and clean interface. It allows you to invest in direct mutual funds, stocks, and digital gold — all with minimal effort.
Why It Stands Out:
Zero commission direct mutual funds
Easy KYC and onboarding
Educational content for beginners
Perfect for anyone who wants to groww their money!
- Walnut – Best for Expense & Budget Tracking
Tagline: Know where your money goes — automatically.
Walnut is the OG app for personal expense tracking in India. It scans your SMS inbox for transactions and gives you a detailed breakdown of your spending habits.
What Makes It Great:
Automatic categorization of expenses
Bill reminders and budget alerts
Visual monthly summaries
Ideal for those who want to stay in control of their monthly budget.
- Jupiter Money – Best for Digital Banking + Smart Budgeting
Tagline: Not just a bank account. It’s a lifestyle app for your money.
Jupiter is India’s neobank that offers a smarter, modern way to handle money. It feels like a premium app but is free and easy to use.
Top Features:
Smart spend categorization
Daily insights on your money habits
UPI, debit card, and savings all in one app
If you want modern banking + budgeting, this one’s for you.
- Paytm Money – Best for Low-Cost Investing
Tagline: Simple investing, wide options.
Paytm Money allows you to invest in stocks, mutual funds, NPS, gold, and more from one dashboard. It’s integrated with Paytm for ease of fund transfers.
Highlights:
In-depth research and recommendations
Low brokerage for equity trading
Direct funds with zero commission
Great for people already in the Paytm ecosystem.
- Coin by Zerodha – Best for Direct Mutual Fund Investment
Tagline: Pay no commission, ever.
Coin is perfect if you want to invest in mutual funds directly, avoiding middlemen and extra charges. Being a Zerodha product, it’s reliable and transparent.
Why It Works:
Invest in 3,000+ mutual funds
Direct plans = higher returns
Link directly to your Demat account
- ET Money – Best All-in-One Finance App
Tagline: Your complete financial planner in your pocket.
ET Money is a super app that does everything — from mutual funds to insurance to tax planning.
Top Features in 2025:
Direct Mutual Fund SIPs
Tax-saving tools and NPS investment
Credit score monitoring
If you want one app to rule them all, ET Money is a solid pick.
- Kuvera – Best for Goal-Based Investing
Tagline: Smart investing tailored to your goals.
Kuvera has a loyal user base for its goal-based investment plans. Whether you’re planning for retirement, a vacation, or a child’s education, it helps map the path.
Key Benefits:
Family portfolio tracking
Tax harvesting tools
Direct MF investments
Perfect for long-term wealth planners.
- CoinSwitch – Best for Crypto Investing
Tagline: Invest in 100+ cryptos with ease.
With crypto adoption picking back up in 2025, CoinSwitch remains a top player in the Indian market. It’s user-friendly and beginner-focused.
Why People Use It:
Buy/sell 100+ cryptocurrencies
No jargon, just simple UI
News, updates, and crypto education inside the app
For those looking to diversify their portfolio beyond traditional assets.
📊 Bonus: 3 Upcoming Finance App Trends in 2025
- AI-Based Financial Advisors
Apps are now offering AI tools that suggest personalized financial moves based on your behavior and goals. - Voice-Based Commands
Some apps are integrating voice (like Alexa or Google Assistant) for financial queries and even transactions. - Gamified Finance
Apps like CRED and Jupiter are gamifying saving, budgeting, and bill payments to keep users engaged.
✅ Final Thoughts
In 2025, managing your money wisely is no longer just a good habit — it’s a superpower. Whether you’re investing, tracking, or just starting out, these top finance apps give you full control in your pocket.
Before choosing any app, make sure to:
Check security and privacy
Know the fees and brokerage charges
Match features with your financial goals
Want to start simple? Pick any 3 apps from this list: one for spending (like Walnut), one for investing (like Groww), and one for credit (like CRED) — and you’re all set.