Top 10 Finance Apps in India for Beginners
Managing money has never been this easy. With smartphones becoming an essential part of our daily lives, financial planning-something once considered complicated – has now become accessible and beginner-friendly. Whether you want to save more, track expenses, start SIPs, automate investing, or learn stock market basics, the right apps can make your financial journey smooth and confident. In recent years, finance apps in India have grown rapidly and become powerful tools for young investors, working professionals, and even students. These apps simplify money management and help beginners build good financial habits. But with hundreds of options available, choosing the right one can feel overwhelming. This detailed guide covers the Top 10 finance apps in India for Beginners- each selected based on features, ease of use, reliability, and beginner-friendliness (updated for 2025). Whether you’re just starting your investment journey or trying to get control of your budget, this list will help you find the perfect tool.
Why Finance Apps Are Important for Beginners
Before exploring our top picks, let’s understand why these apps matter so much today:
- They simplify money management for beginners.
- Automate savings and investments, removing emotional decision-making.
- Provide real-time portfolio tracking and financial insights.
- Help you learn personal finance with automated guidance.
- Offer budgeting tools, managing expenses without effort.
- Cut dependence on agents or middlemen.
- Provide secure and transparent financial controls.
The best thing? You don’t need financial expertise-just a smartphone and basic interest in improving your finances.
Top 10 Finance Apps in India for Beginners
Below is a complete list of the best finance apps in India based on functionality, ease of use, safety, and beginner suitability.
1. Angel One– The Most Beginner-Friendly Investment App
Angel One has become one of the most popular finance apps in India for new investors. Its clean, user-friendly interface makes investing incredibly simple.
Best For:
- SIP investments
- Stocks, mutual funds, ETFs
- Long-term wealth creation
Key Features:
- Fully digital KYC
- Easy SIP setup
- Simple charts and insights
- Stock buy/sell in one tap
- Zero account opening charges
- Educational blogs and videos
Why It’s Great for Beginners:
Angel One explains everything in simple language and avoids complex screens. Even a first-time investor can start SIPs or buy stocks with confidence.
2. Zerodha Kite — Best for Stock Market Beginners
Zerodha is India’s largest stockbroker and its Kite app is fast, stable, and excellent for learning how markets work.
Best For:
- Stock market learning
- Investing and basic trading
- Portfolio tracking
Key Features:
- Superfast and smooth interface
- Advanced market charts
- Low brokerage fees
- GTT (good-till-triggered) orders
- Integrated learning with Varsity
Why Beginners Love It:
It’s powerful yet simple. With Varsity (their free course), even a complete beginner can learn trading and investing.
3. ET Money – Best App for Automated Investing
ET Money is a smart personal finance app focused on simplified investing, SIPs, and insurance management.
Best For:
- Mutual fund SIPs
- Automatic asset allocation
- Insurance & tax-saving planning
Key Features:
- Zero-commission mutual funds
- Robo-advisory
- SIP calculator
- Smart recommendations
- Track expenses and investments together
Why It Stands Out:
Its smart advisory tools help beginners invest based on their goals, age, and risk tolerance.
4. INDmoney – Best App for US Stocks + Indian Portfolio Tracking
INDmoney is a powerful all-in-one financial app that gives a complete view of your wealth.
Best For:
- US stock investing
- Portfolio tracking
- Financial planning
Key Features:
- Zero commission US stocks
- AI-based insights
- Tracks FD, stocks, SIPs, PPF, and more
- Smart recommendations
- Family wealth dashboard
Why Beginners Prefer It:
You can track every financial product in one app—including bank accounts, credit cards, loans, and insurance.
5. Moneycontrol – Best App for Market Research & News
Moneycontrol is one of India’s most trusted platforms for financial news and market insights.
Best For:
- Market updates
- Research
- Learning market trends
Key Features:
- Real-time stock market data
- Portfolio watchlist
- Research reports
- News alerts
- Expert recommendations
Ideal For Beginners Because:
It teaches you how markets behave, helping you become a smarter investor.
6. Money View (formerly Walnut) – Best Budgeting & Expense Tracking App
Money View is a simple and automatically functioning expense tracker (Note: Walnut has merged into axio/Money View in recent years, but the core auto-tracking features remain popular).
Best For:
- Expense tracking
- Monthly budget management
- Bill reminders
Key Features:
- Auto-categorizes expenses from SMS
- Splits bills
- Tracks bank balance
- Monthly budget planner
- Credit card reminders
Why It’s Great:
Beginners who struggle with budgeting love it because it works automatically.
7. CRED – Best App for Credit Card Management
CRED is one of the most popular apps for credit card users, rewarding you for timely bill payments.
Best For:
- Credit card bill payment
- Credit score monitoring
- Exclusive rewards
Key Features:
- Cashback and discounts
- Credit score tracking
- Personalized rewards
- Secure payment gateway
Why Beginners Like It:
Maintaining a good credit score is crucial for financial health, and CRED makes it fun and rewarding.
8. Monefy – Best Simple Budget Planner App
Monefy focuses on simplicity. It’s ideal for users who want clean and straightforward budgeting tools.
Best For:
- Manual budgeting
- Expense categorization
Key Features:
- Simple interface
- Custom categories
- Built-in calculator
- Beautiful charts
- Multi-currency support
Why Beginners Prefer It:
Easy to use and extremely visual—great for students and first-time planners.
9. Kuvera – Best for Long-term Wealth Planning
Kuvera is a zero-commission mutual fund platform ideal for goal-based investing.
Best For:
- SIPs
- Goal-based investing
- Family account management
Key Features:
- Free mutual fund investing
- Financial goal planner
- Direct plans only
- Tax harvesting
- Portfolio rebalancing
Why It’s Beginner-Friendly:
Its goal-planning tool helps users understand how much to invest for future milestones like education, travel, or retirement.
10. Paytm Money – Best for Affordable Investment Options
Paytm Money is a popular choice among beginners because of its low entry requirements.
Best For:
- Small SIP amounts
- Stocks and mutual funds
- Digital gold
Key Features:
- Zero commission direct mutual funds
- Low-cost stock investing
- SIPs starting at ₹100
- NPS investment
- Easy interface
Why It’s Perfect for Starters:
Even someone earning their first salary can begin investing through affordable SIPs.
Comparison Table: Top Finance Apps in India for Beginners
| App Name | Best For | Beginner-Friendly | Key Strength |
|---|---|---|---|
| Angel One | SIPs & stocks | ★★★★★ | Clean interface |
| Zerodha Kite | Learning markets | ★★★★☆ | Low brokerage |
| ET Money | Automated investing | ★★★★★ | Smart advice |
| INDmoney | Global investing | ★★★★☆ | All-in-one dashboard |
| Moneycontrol | Market knowledge | ★★★★☆ | News & data |
| Money View | Budgeting | ★★★★★ | Auto expense tracking |
| CRED | Credit management | ★★★★☆ | Rewards + score |
| Monefy | Simple budgets | ★★★★★ | Visual expenses |
| Kuvera | Long-term SIPs | ★★★★☆ | Goal planning |
| Paytm Money | Low-cost investments | ★★★★☆ | SIPs @ ₹100 |
How to Choose the Best Finance Apps in India as a Beginner
With so many finance apps in India, choosing one depends on your needs. Here’s how you can make the right choice:
- Define Your Purpose
Ask yourself: Do I want to invest? Track expenses? Build credit? Learn about markets? - Check User-Friendly Design
Beginners need simple screens. Apps like Angel One, Paytm Money, and Monefy are ideal. - Look for Security
Check for 2FA login, SEBI registration (for investing apps), and encrypted transactions. - Low Fees and Charges
Avoid high brokerage: Angel One, Paytm Money, Kuvera, and Zerodha offer low or zero charges. - Customer Support
Apps with strong support include ET Money, INDmoney, and Angel One.
Benefits of Using Finance Apps for Beginners
✔ Improved Money Awareness – You see where your money goes.
✔ Better Savings – Budget apps help control unnecessary spending.
✔ Easier Wealth Creation – Investing apps automate SIPs.
✔ Financial Discipline – Reminders and insights keep you on track.
✔ All-in-One Convenience – Many combine investing + tracking + learning.
Common Mistakes Beginners Make with Finance Apps
Starting without a goal
Chasing high returns – Focus on steady growth.
Not tracking expenses – Budgeting is key.
Switching apps too often – Stick with one.
Ignoring risk – Use SIPs and diversified funds.
Final Takeaway: Choose the App That Fits Your Financial Goals
Finance apps empower beginners to take control of their money. Whether it’s budgeting, SIP investing, credit score management, or stock market learning, the right app can transform your financial life.
To summarize:
- Angel One & Paytm Money → For new investors
- Money View & Monefy → For budgeting
- Moneycontrol → For stock market learning
- Kuvera & ET Money → For long-term SIPs
- INDmoney → For tracking all investments
When used consistently, these apps help you build wealth, manage expenses, and become financially independent in 2025 and beyond! Start today—download one and take your first step.
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