Best Apps For Finance People: My Personal Picks for Money Management

Managing money has become easier with technology and I have personally tested dozens of finance apps over the years. Whether you are into long term investing or just want to track daily expenses, the right app makes all the difference.

I have seen many people struggle with their finances simply because they did not have the right tools. In my experience working with different finance apps, I found that the best ones do not just track money but actually help you build better financial habits.

The finance apps market has grown significantly in recent years with options for trading, budgeting, net worth tracking and expense management. I will share my findings about the best apps that have helped me and many others take control of their financial lives. These apps have changed how I approach personal finance management.

Key Takeaways

• Long term investing apps help build wealth through automated features and diverse portfolio options
• Net worth tracking apps provide complete financial picture by syncing multiple accounts in one place
• Personal expense tracker apps help identify spending patterns and create realistic budgets
• Trading apps offer real time market data and news for active investors
• Free expense tracker apps work well for basic budgeting without monthly fees
• AI powered apps like Plum automate savings while Emma focuses on detailed spending insights

Best Long Term Investment Apps

I have always believed that long term investing beats short term trading for most people. The apps I use for this purpose focus on building wealth slowly and steadily. My portfolio has grown consistently because I chose platforms that align with long term wealth building strategies.

1) Groww

Groww has become my go to platform for mutual fund investments and stocks. The app offers zero commission on direct mutual funds which saves me thousands annually. I appreciate the clean interface that makes investing simple even for beginners.

My SIP investments run automatically every month without any hassle. The educational content available on Groww helped me understand different investment options better.

2) ET Money

I use ET Money primarily for tracking all my mutual fund investments in one place. The app consolidates holdings from multiple AMCs and shows overall portfolio performance. My favorite feature is the tax harvesting suggestion that helps optimize returns.

The credit score monitoring available on ET Money keeps me informed about my financial health. I find their expense analysis tool quite useful for understanding spending patterns.

3) Zerodha Coin

Zerodha Coin revolutionized how I invest in mutual funds with its direct plan approach. I save significant money on expense ratios compared to regular plans. My long term wealth building strategy aligns perfectly with their low cost philosophy. The platform integrates seamlessly with Zerodha Kite for equity investments. I recommend Coin to anyone serious about long term mutual fund investing.

Best Trading Apps for Active Investors

For those interested in active trading, I recommend apps with real time market data and advanced charting tools. My trading strategy focuses on staying informed rather than making frequent trades. These platforms have helped me become a more disciplined trader.

1) Upstox

Upstox offers one of the lowest brokerage fees I have found in the Indian market. The trading terminal provides advanced charting tools that I use for technical analysis. My order execution happens instantly even during high volatility periods. The app sends timely notifications about market movements and important finance news. I particularly like their margin calculator that helps me plan trades better.

2) Angel One

Angel One impressed me with its comprehensive research reports and stock recommendations. I rely on their expert analysis when researching new investment opportunities.

My trading experience improved with their smart order types and bracket orders. The app provides detailed market depth information that helps me make informed decisions. Their customer support has been responsive whenever I faced issues.

3) Groww Trading

Apart from mutual funds, Groww also excels in stock trading with zero brokerage on delivery trades. I use this for my long term stock picks where I do not pay any fees. The app makes it easy to switch between mutual funds and stocks seamlessly. My overall trading costs reduced significantly after moving delivery trades to Groww.

Best Net Worth Tracking Apps

Net worth tracking transformed how I see my overall financial health. I remember the day I first calculated my total net worth including all assets and liabilities. These apps provide complete visibility into my financial situation.

1) ET Money Net Worth Tracker

ET Money offers comprehensive net worth tracking that syncs with multiple financial accounts. I can see my mutual funds, fixed deposits, PPF and even real estate holdings in one dashboard. My financial planning became easier with their goal based investment suggestions.

The app automatically updates asset values and shows net worth trends over time. I check my progress toward financial independence every month using this tracker.

2) Moneyview Money Manager

Moneyview reads my bank SMS messages and automatically categorizes all transactions. I love how it shows my account balances across different banks instantly. My spending patterns became crystal clear with their weekly and monthly summaries. The bill payment reminders ensure I never miss due dates and avoid late fees. I recommend Moneyview to anyone who wants effortless expense tracking along with net worth monitoring.

3) INDmoney

INDmoney provides a complete view of my financial portfolio including international investments. I track my US stocks and Indian equities on the same platform. My net worth calculation includes crypto holdings which most Indian apps miss. The app offers personalized investment recommendations based on my financial goals. Their tax planning features help me optimize returns during filing season.

Best Personal Expense Tracker Apps

Personal expense tracker apps have been crucial for my budget management. I started tracking every rupee I spent and quickly identified unnecessary expenses. My financial awareness improved dramatically within weeks of using these tools.

1) Walnut (Now Axio)

Walnut automatically tracks expenses by reading bank SMS and credit card alerts. I never have to manually enter transactions which saves enormous time. My monthly budget limits get set automatically based on past spending patterns. The app categorizes expenses intelligently and shows where I overspend. I helped my wife set up Walnut and she now manages household expenses much better.

2) Moneyview Expense Tracker

Moneyview excels at providing real time visibility into cash flow across accounts. I see exactly how much I can spend without checking multiple bank apps. My bill payment reminders come at the right time preventing missed payments. The categorization feature helped me realize I was spending too much on food delivery. Their spending trends analysis motivated me to cut unnecessary expenses.

3) Money Manager by Realbyte

Money Manager gives me complete control over my budget with detailed customization options. I create separate budgets for different family members and track expenses individually. My bookkeeping became professional grade with their double entry system. The app works offline which helps when I travel to areas with poor connectivity. I export data monthly for tax filing and financial planning purposes.

Best Free Personal Expense Tracker Apps

Free expense tracker apps provide excellent value without monthly costs. I have tested many free options and found several that rival paid alternatives. These apps work perfectly for basic budgeting needs.

1) Walnut Free Version | Axio

The free version of Walnut offers automatic expense tracking for unlimited transactions. I used it for two years before upgrading and it served my needs perfectly. My basic budgeting requirements were completely met without spending anything. The app shows spending trends and category wise breakup clearly. I still recommend the free version to college students and young professionals.

2) Money Manager Free

Money Manager provides comprehensive budgeting features without any subscription fees. I appreciate that all core features remain free with optional cloud backup in paid version. My budget planning works smoothly with their intuitive interface. The widget feature lets me quickly add expenses from home screen. Their template based approach makes setup quick and easy.

3) Spendee

Spendee caught my attention with its beautiful design and shared wallet features. I use it to manage joint expenses with my spouse seamlessly. The free version allows manual entry with unlimited budgets and categories. My spending visualization through colorful charts makes budgeting feel less boring. The app syncs across devices so I can access data from phone or tablet.

Plum vs Emma: Which Works Better

I have used both Plum and Emma extensively and each serves different purposes. The choice between them depends entirely on your financial priorities and habits. My experience with both apps taught me their unique strengths.

1) Plum Features

Plum excels at automated savings through AI calculations that analyze spending patterns. My savings grew consistently with Plum because it transfers small amounts regularly. The app offers high interest savings pockets up to five percent AER.

I invested in stocks and funds directly through Plum without switching platforms. Their bill switching feature saved me money on utilities and insurance. The lifetime ISA option helps with retirement planning which I started recently.

2) Emma Features

Emma focuses more on budgeting and spending visibility with detailed transaction categorization. I use Emma when I want to understand exactly where my money goes each month. My subscription management became easier with Emma showing all recurring payments.

The app provides credit score monitoring which I check quarterly for free. Their budget alerts keep me informed when I approach spending limits. I appreciate the payday feature that shows how much I can safely spend.

My Recommendation

I recommend Plum if you struggle with saving money and want complete automation. My friends who need detailed spending analysis prefer Emma for its comprehensive tracking. Some people use both apps together to get complete financial management which works brilliantly. The combination gives you automated savings from Plum and detailed insights from Emma.

Best Apps for Finance News

Staying updated with finance news has become part of my morning routine. I use dedicated finance news apps that aggregate information from multiple sources. My investment decisions improved significantly after following market trends regularly.

1) Moneycontrol

Moneycontrol remains my primary source for Indian stock market news and analysis. I check it every morning to understand market opening trends and global cues.

The app provides real time stock prices and detailed company financials. My watchlist sends alerts whenever stocks hit target prices or show unusual movements. Their expert columns and technical analysis help me make better trading decisions.

2) Economic Times

Economic Times app gives me comprehensive coverage of business and economic news. I read their morning newsletter while having coffee to stay updated.

The app covers policy changes and government decisions affecting markets. My understanding of macroeconomic factors improved through their in depth articles. The personalized news feed shows content relevant to my portfolio.

3) Bloomberg

Bloomberg provides global financial news with focus on international markets. I use it to track US market movements and their impact on Indian stocks. The app offers professional grade analysis and market data. My knowledge about different asset classes expanded through their educational content. The real time market data helps me make informed trading decisions.

Tips for Choosing the Right Finance Apps

Choosing finance apps requires careful consideration of your specific needs. I always check app reviews and security features before linking bank accounts. My selection process includes testing free versions before committing to paid plans.

The apps should have strong encryption and two factor authentication for protecting sensitive data. I prioritize apps with clean interfaces and intuitive navigation because complicated apps rarely get used consistently.

My experience shows that the best finance apps integrate with other tools you already use. I look for regular updates and responsive customer support when evaluating new platforms. The key is starting with one or two apps rather than overwhelming yourself with too many tools.

Tags: finance apps, expense tracker, budget management, net worth tracking, investment apps, personal finance, money management

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