💬 Introduction
Managing money as a student can be tricky. Whether it’s your pocket money, part-time income, or UPI spending — tracking where your money goes is the first step to financial freedom.
The good news? There are apps designed just for that.
Here are the best budgeting apps for Indian students in 2025 that are free, easy to use, and available on both Android and iOS.
📱 Top Budgeting Apps for Indian Students
1. Axio
Platform: Android + iOS
Why It’s Great: Automatically tracks your SMSes to categorize spending (no manual input!)
Key Features:
- Tracks expenses from SMS and UPI
- Budget reminders and bill alerts
- Split bills with friends
👍 Pros: Works in the background, no linking to bank needed
👎 Cons: Axio Pay Later can have limitations on earning rewards and requires down payments for certain purchases
🔗 Download on Play Store
2. Money Manager Expense & Budget
Platform: Android + iOS
Why It’s Great: Simple interface for tracking expenses manually or via bank sync
Key Features:
- Visual charts to track spending
- Easy-to-use calendar view
- Password lock feature
👍 Pros: Beginner-friendly interface
👎 Cons: Ads in the free version
🔗 Download on Play Store
3. Goodbudget
Platform: Android + iOS + Web
Why It’s Great: Envelope-based budgeting that helps control impulse spending
Key Features:
- Manual budget planning
- Multiple “envelopes” for categories (food, travel, study)
- Sync across devices
👍 Pros: Great for planning monthly budgets
👎 Cons: Manual input required
🔗 Visit Goodbudget
4. ET Money
Platform: Android + iOS
Why It’s Great: All-in-one Indian finance app with budgeting, mutual funds, insurance, etc.
Key Features:
- Auto categorization of expenses
- Investment tracking
- Personalized budget goals
👍 Pros: Made for Indian users
👎 Cons: May be overwhelming if you only want basic budgeting
🔗 Visit ET Money
📝 Bonus Tip: Create a Simple Spreadsheet
If you don’t like apps — just use Google Sheets.
Use columns like: Date, Amount, Category, Notes.
Keep it simple and update daily — it works like magic!
✅ Conclusion
Budgeting as a student doesn’t need to be boring or difficult.
Start by tracking your spending, pick an app that feels easy, and slowly build the habit. Your future self will thank you. 💰
👉 Also read: Earn online as a teen in India: 10 Easy Ways (2025)
[…] 👉 Also read: Best Budgeting Apps for Students in India (2025) […]