Recommends
A short, curated list of tools we think are worth trying — not an exhaustive directory. We only add something here if we'd suggest it to a friend.
Disclosure: Some links below are affiliate links. If you sign up through them, we may earn a commission at no extra cost to you. This never affects which tools we choose to list.
Budgeting apps
Money View
Simple budgeting with bill reminders and a loan option built in.
INDmoney
Combines budgeting with net-worth tracking across accounts.
Expense trackers
Splitwise
The standard for splitting shared expenses with roommates or trips.
Spendee
Visual, category-based expense tracking with shared wallets.
Micro-investing
Groww
Beginner-friendly investing in mutual funds, stocks, and gold.
Jar
Rounds up daily spends and auto-invests the spare change in digital gold.
BNPL alternatives
Recurring UPI AutoPay
Set a fixed mandate for planned purchases instead of open-ended BNPL credit.
A dedicated savings pot
Automate a small transfer to a separate account before you shop, and pay from that instead of splitting later.