Easy Hisab
Best expense management and personal finance apps in India (2026): which one should you use?
The short answer: for keeping track of your own daily spending in India, Easy Hisab is the best fit. One typed or spoken line records a spend, it reads bills, screenshots and bank statement PDFs, keeps a monthly budget with category reports, works completely offline, never reads your SMS inbox and sells you no loans. It is always free for unlimited entries; you pay only for AI use beyond the free monthly allowance. It is also the only app here that keeps money between people, so the dinner you paid for your friends is one entry, not two apps. Wallet by BudgetBakers is the pick if you want automatic bank feeds and multi-currency reports. Money Manager or Monefy suit a plain manual diary. Moneyview and ET Money are loan and investment apps first and expense trackers second. We make Easy Hisab, so read the table and judge for yourself.
What matters in an expense tracker in India
- How much work one entry is. People stop tracking because the form is a chore. A line you type or say, a photo, or a statement you hand over once a month is what survives past week two.
- Where the automation comes from. “Automatic” in India usually means reading your SMS inbox. That is convenient, misses cash, and hands one app every message your phone receives. A statement PDF you choose to share is the alternative.
- What the app is really selling. Several free trackers are the front door of a lender or an investment platform. The tracker is the hook; the loan or the SIP is the business.
- Budget and reports. This month against a limit, totals by category, the trend over past months, and an export you own.
- Money between people. Most Indian spending has a second person in it: the dinner you paid, the ₹2,000 a cousin borrowed. A personal tracker that cannot hold that forces a second app.
- Offline. Entries saved on the phone first. Treks and villages have no network.
- Hindi. Entries in the words you actually use.
Why Easy Hisab: adding the entry is the whole job
Every app on this page can draw a pie chart of your month. Where they differ is how the numbers get in, what you give up for the automation, and whether the app is quietly selling you something else. This is what Easy Hisab does differently.
- Type it or say it, in any language you speak. “350 chai”, “auto 120 cash” or “Ramesh ko 500 diye” becomes a full entry: amount, category, date, who was involved. No form.
- Reads bills and screenshots. Photograph a bill, or pick a UPI payment screenshot or a WhatsApp message from your gallery. The app reads the amount, the merchant and the line items. Several at once become one review screen.
- Reads bank and card statements. Pick the PDF your bank emailed. Every row becomes an entry, likely duplicates are flagged, and you tick what to keep. A month of spending lands in one sitting.
- Saves in bulk. One message with five spends, a stack of bills or a whole statement lands as one list you review once and save with a single tap.
- Never reads your SMS inbox, never sells a loan. Easy Hisab asks for no SMS permission. When you want a bank message recorded, you share or paste that one message. There is no pay-later, no credit card offer, no fund to buy.
- Budget, categories and trends. Set a monthly budget, see this month's spend against it, totals by category, and how each category has moved over past months. Export all of it as a spreadsheet whenever you want.
- Money between people lives in the same place. The dinner you paid for four is one entry: your share goes to your spending, the rest to each friend's account, and settlement opens your UPI app with the amount filled in.
- Works completely offline. Everything is saved on the phone first. On a trek, in a village with no signal or on a flight you still add spends and read your reports; it syncs when you are back. Only AI reading of photos and statements waits for a connection.
- Always free for unlimited entries; you pay only for extra AI use. Entries, categories, budgets, reports, accounts with friends, settlement, offline and export are free with no limit, and will stay free. The free plan also includes a monthly AI allowance; Pro only raises it.
| Each month | Free | Pro (₹99/month or ₹899/year) |
|---|---|---|
| AI-parsed typed entries | 50 | 2,000 |
| Voice entries | 10 | 500 |
| Receipt and screenshot scans | 10 | 150 |
| Bank or card statement PDFs | 2 | 10 |
| Typed entries by hand, categories, budgets, reports, accounts with friends, UPI settlement, export | Unlimited | Unlimited |
Allowances as of October 2026; the app's Plan screen shows the current numbers.
The shortlist at a glance
| App | Best for | Add a spend by | Reads receipts / statements | Needs SMS access | Sells loans or investments | Money between people | Price (Oct 2026) |
|---|---|---|---|---|---|---|---|
| Easy Hisab | Daily spends, budgets and money between people, in Hindi or English | Typed line, voice, photo, screenshot, statement PDF; form if you prefer | Bills, screenshots and statement PDFs, free monthly allowance | No | No | Yes, with UPI settlement | Free; Pro ₹99/month or ₹899/year for more AI entries |
| Money Manager | A detailed manual ledger with budgets and multi-currency | Form | No | No | No | No | Free with ads; paid ad-free version |
| Monefy | The quickest manual diary | Form, amount and category only | No | No | No | No | Free; Pro in-app purchase |
| Wallet by BudgetBakers | Bank feeds, multi-currency, shared budgets | Form; bank sync on Premium where your bank is supported | No | No | No | Shared budgets, no settlement | Free; Premium subscription for bank sync |
| axio | Automatic log of card and UPI spends | Reads bank SMS; form for cash | No | Yes | Pay-later credit, EMI financing, loans | No | Free; the credit products pay for it |
| Moneyview | Personal loans; tracking is a side feature | Reads bank SMS | No | Yes | Personal loans, credit cards, gold, FDs | No | Free; the loans pay for it |
| ET Money | Mutual funds, SIPs and NPS; tracking is a side feature | Reads bank SMS | No | Yes | Mutual funds, FDs, NPS, bonds | No | Free; the investments pay for it |
Features and prices are as published by each app in October 2026 and change often; check the store listing before you decide. Splitting bills with friends is a different list: best bill splitting apps in India. One app at a time, row by row: Easy Hisab compared, app by app.
1. Easy Hisab: the tracker that also knows who has to pay you back
Easy Hisab is made in India for the way money actually moves here: your own spends, and the money between you and the people around you, in one account. A spend is one typed or spoken line in English, Hindi or Hinglish, a photo of the bill, a screenshot, or a bank statement PDF read in one go. A monthly budget, category totals and trends sit on the home screen, and everything exports as a spreadsheet. It asks for no SMS access and sells nothing but its own Pro plan, which only raises the AI allowance.
Strong fits: anyone who wants a daily spending record without a form, a monthly budget, and a place for the dinner they paid or the ₹2,000 a cousin borrowed, all in one app.
2. Money Manager: the classic manual ledger
Money Manager (Realbyte) is the long-running personal account book: accounts, categories and sub-categories, weekly, monthly and annual budgets, multi-currency, a calendar view and clean reports. Every entry is a form, there is no reading of bills, statements or SMS, and it has no notion of a friend who has to pay you back. Free with ads; a paid version removes them.
Strong fits: people who enjoy a detailed ledger and type every spend themselves.
Easy Hisab vs Money Manager, row by row
3. Monefy: the quickest manual diary
Monefy strips the form down to an amount and a category, so logging a chai is two taps. It syncs between your devices through your own Google Drive or Dropbox and draws a simple spending wheel. It reads nothing automatically, has no budget beyond a monthly limit, and keeps no money between people. Free, with a Pro unlock.
Strong fits: a minimal diary for someone who will tap every spend in.
4. Wallet by BudgetBakers: bank feeds and multi-currency
Wallet is a full personal finance manager: bank synchronisation on its Premium plan where your bank is supported, multi-currency accounts, debt and bill tracking, and budgets you can share with family. It is the most complete of the trackers here, and the one with a real subscription. It does not read bills or statements, and sharing a budget is not the same as settling a dinner.
Strong fits: people with several bank accounts and currencies who want automatic feeds and are happy to pay for them.
5. axio (formerly Walnut): automatic, at the price of your SMS inbox
axio is the tracker that grew out of Walnut. It reads your bank and card SMS and logs each spend automatically, which is genuinely effortless for card and UPI payments. Two catches. First, it works by reading your SMS inbox, so you are handing one app every transaction message and alert your phone receives; it cannot see cash, and it cannot tell that a ₹1,200 payment was a dinner split four ways. Second, axio is the consumer brand of a lender, and the app sells pay-later credit, EMI financing and loan offers alongside the tracker.
Strong fits: a hands-off log of your own card and UPI spends, if you are comfortable with the SMS access and the credit offers.
Easy Hisab vs axio, row by row
6. Moneyview: a loan app with a tracker inside
Moneyview began as an SMS-based expense tracker and is today a personal-loan app first: loans, credit cards, digital gold and fixed deposits, with a free credit score. The spend tracking still reads your bank SMS, and it remains a side feature of a lending business. If you open it to track expenses, expect to be offered a loan.
Strong fits: someone who wants a loan and would like a spend summary with it.
7. ET Money: an investing app with a tracker inside
ET Money is built around investing: mutual funds and SIPs, fixed deposits, NPS and bonds. Its expense tracking reads bank SMS to show where your money goes, and it exists to point you at what to invest. It is a good place to run SIPs. It is not where you log a chai or a cousin's ₹2,000.
Strong fits: people who invest monthly and want a spend overview beside their portfolio.
Best app by use case
- Daily spending without a form, in Hindi or English: Easy Hisab.
- Catching up on a month from a bank statement or a pile of bills: Easy Hisab. No other app on this page reads a statement PDF.
- Your own spends plus money between people: Easy Hisab. The others need a second app for that.
- Automatic feeds from several bank accounts and currencies: Wallet by BudgetBakers, on Premium.
- A detailed manual ledger you type yourself: Money Manager; Monefy if you want it even simpler.
- Hands-off log of card and UPI spends: axio, if you accept the SMS access and the credit offers; otherwise Easy Hisab with a statement import once a month.
- Tracking beside your SIPs: ET Money.
- Trip through a remote area with no signal: Easy Hisab, which works completely offline and syncs when you are back.
Frequently asked questions
Which is the best expense management app in India?
For tracking your own daily spending in India, Easy Hisab is the best fit: one typed or spoken line records a spend, it reads bills, screenshots and bank statement PDFs, keeps a monthly budget with category reports, works completely offline, never reads your SMS inbox, sells no loans, and is always free for unlimited entries. Wallet by BudgetBakers is the pick if you want automatic bank feeds and multi-currency reports. Money Manager or Monefy suit a plain manual diary.
Which expense tracker is fastest for adding a spend?
Easy Hisab. Type “350 chai” or “auto 120 cash” or say it, and the amount, category and date are filled in. Scan a bill or a UPI payment screenshot, or pick a bank statement PDF, and every row becomes an entry you review once and save all at once. Monefy and Money Manager are quick but manual, one form per spend. axio, Moneyview and ET Money log automatically by reading your bank SMS, which is fast but needs SMS access and misses cash.
Can I import my bank or credit card statement?
In Easy Hisab, yes: pick the statement PDF your bank emailed and the app reads every row, flags likely duplicates, and lets you tick what to keep and save it all in one go. Two statements a month are free and Pro allows ten. None of the other apps on this page reads a statement PDF; the automatic ones read SMS instead.
Which expense apps read my SMS inbox?
axio, Moneyview and ET Money track spends by reading your bank and card SMS, which means granting one app access to your message inbox. Easy Hisab, Money Manager, Monefy and Wallet do not ask for SMS access. In Easy Hisab you share or paste a bank message only when you want that one spend recorded.
Which expense trackers do not sell loans or credit?
Easy Hisab, Money Manager, Monefy and Wallet are trackers only. axio sells pay-later credit and loans, Moneyview is a personal-loan and credit-card app first, and ET Money is built to sell mutual funds, fixed deposits and NPS. Those three are free because the finance products pay for them.
Can I set a monthly budget and see where the money goes?
Yes. Easy Hisab shows this month's spend against a budget you set, with category totals and trends over past months, and exports everything as a spreadsheet. Money Manager, Monefy and Wallet also do budgets and category reports well; Wallet adds multi-currency and bank-account views.
Which expense tracker works completely offline?
Easy Hisab saves every entry on your phone first, so you can add spends, set budgets and read reports with no signal at all, on a trek or in a village, and it syncs when you are back. Only AI reading of photos and statements waits for a connection. Money Manager and Monefy also work offline. The SMS-based apps need a network to fetch and categorise.
What do I pay for in Easy Hisab?
Only extra AI use. Entries, categories, budgets, reports, accounts with friends, UPI settlement, offline and export are free with no limit, and stay free. The free plan includes a monthly allowance of AI-parsed entries (50 typed, 10 voice, 10 receipt or screenshot scans, 2 statement PDFs); Pro, at ₹99 a month or ₹899 a year, raises those to 2,000, 500, 150 and 10 and adds more photo space. When the allowance is used up you can still type entries by hand without limit.
Try Easy Hisab free
Type it, say it, scan it or import it. No entry limits, no SMS access, no loans. English and Hindi.
On iPhone? The iOS app is in App Store review. Until then you can use Easy Hisab in the browser with the same number.
About this comparison: we build Easy Hisab, so this page is not neutral, and we have tried to make up for that by being specific. Competitor facts come from each app's own site, store listing and help pages as of October 2026. Found a mistake? Write to [email protected] and we will fix it.