Managing money used to be a chore—endless spreadsheets, paper receipts, and trying to remember where all your money went. Thankfully, in 2025, technology is doing a lot of the heavy lifting. Whether you’re trying to budget better, save for your goals, or invest wisely, there’s a tool out there to help.
Here are ten digital tools that are making personal finance easier and smarter this year.
1. YNAB (You Need A Budget)
YNAB is a Budgeting and tracking expense tool. It offers users real-time bank syncing updates, spending reports, and strong goal-tracking.
2. Mint
Mint is for beginners managing multiple accounts in one place. It automatically tracks spending, categorizes it, and sends alerts when bills are due or when you’re overspending.
3. Cube Wealth
Cube Wealth is a goal-based investing app designed for people who want professional investment advice but don’t want to deal with complexity.
4. INDmoney
IND money helps users track net worth and plan goals. It tracks mutual funds, stocks (India & US), and fixed deposits. Users can get access to automated portfolio health checks.
5.Splitwise
Splitwise is best for shared/group expenses as it uses an IOU-based system, making it ideal for friend groups who settle up later. The app features a “Simplify Debts” algorithm that reduces multiple payments into one.
6. Money View
Money View is best for loans, credit tracking, and budgeting. The app is useful for borrowers and budgeters in Tier 2/3 cities.
7. OneScore
It is ideal for those looking to track their credit score without annoying ads and spam. This service handles Experian and CIBIL scores to lead credit-related call to action
8. Groww
Groww is best for simplified investing in mutual funds and stocks. The app supports US stock investing, fixed deposits, and digital gold. It offers real-time tracking, SIP management, and quick KYC setup.
9. Paytm Money
Paytm Money offers users diverse financial product access. Real-time NAV updates, SIP goal tracking, and one-click investments make it easy for users to start and scale their financial journey.
10. CRED
CRED helps users auto-track credit card expenses and offers CRED coins and cashback for bill payments. monitors credit scores via Experian/CRIF and is very popular among salaried urban Indians with multiple credit cards. With the help of the right digital tools, you can budget smarter, invest wisely, track loans, and even earn rewards. Explore these apps, test what works for you, and build a financial system that runs on automation, insights, and control—so your money starts working for you, not the other way around.
Disclaimer:
The information related to digital tools provided in this article is for general educational purposes only. It does not constitute financial advice, endorsement, or a recommendation of any specific app or service. Features mentioned may vary based on device compatibility, app updates, or geographic location.
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