8 Best Money Saving Apps 2023 India

Smart Phones have replaced many devices like calculator, torchlight, alarm, Camera, Gaming devices, etc. And now they are also acting like wallets and banks to store and transfer the money.

Moreover, by installing some apps, you can increase its uses in many other ways. And to Save Money, you should be installing these apps as they help you a lot in day to day life.

Each app from this list has different functionalities and will be useful to save money in different ways. I have tested many of this kind of apps and handpicked some of the best once from them. Even though I found more than 2 apps which are good and do the same function. I tried to strike down all the remaining once to give to best out of best.

I also took care of user interface, privacy, etc to make this list.

But also remember that these apps are here to help you in the process of saving money, if you really cannot stop control spending money, these apps cannot do anything as everything is in your hands always.

But if you are bit serious about saving, then these can be your best companions.

So let’s dive in.


Best Apps to Save Money India

Let me start with the one which makes more sense and best if you are willing to save some money.

 1. Wizely

Wizely is just like a digital piggy bank, in fact, a bit better than that. The app looks super simple and soo user-friendly. The only thing you can do is save money in the Wizely account just like the Piggybank. And if you are looking for any similar apps like Wizely to same money in this method, you cannot find them such easily and definitely hard in India.

The amount you stored in Wizely is totally safe and trustable. You can withdraw your money whenever you want, but you should not if you really want to save money. Anyhow, everything is in your hands.

So you might be thinking, why can’t you use a Saving bank account. The Wizely app has its advantages over the bank. As it pays you more interest than banks.


And it also gives you rewards for saving every day. Which really encourages you to save money every day. Unlike your bank account, you cannot send the money to anyone or purchase anything online. You need to open the app and transfer back your money is the only option.

Login to the app using your phone number. Once you have logged in, you can see a Save now button.


After, you can set the amount and save as much as you want. You will get an instant reward every day after saving money in it for the first time. You can send money to Wizely through from any bank or by using Online UPI Apps like Google Pay or by using UPI ID.


You can always check your Save history from your profile and also track all the interests and rewards given for you from the app. You can use a separate passcode or open the app by using fingerprint which is great security for saving.

Also, set a reminder in the app about saving so that you can save every day without forgetting. And all this package and rewards for entirely free 24/7.

2. Monito

Monito is a simple expense tracking app. If you really want to save money, you should definitely stop spending money on unnecessary things, and maintain your expenses properly.

Monito does the exact same thing, you can add every transaction you do and check where you spending more. The simplicity and graphs to show your expenses made this app to be the 2nd in this list.

Right after you signed up, you can start adding your expenses.

You can click on add transactions at the bottom of the screen and add the amount which is either an expense or Income. If you are adding expense it will decrease from the balance, if you are adding income it will increase the balance.



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You can also create categories for both expenses and income like Shopping, Food, Health, Hostel, etc for expenses and like Salary, Pocket Money, etc for income.

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You can select the category while adding transaction and get a detailed graph of both income and expense.


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The best part is, you can back up everything in google drive.

The only thing is, you need to enter your transactions every time manually without forgetting. But there are apps which do the tracking automatically and show your expense.

3. Walnut

Walnut is also a money management app where it tracks your transactions automatically.

When even you transferred your amount from the bank, online banking or any online wallets, Walnut recognizes it and shows you the data automatically. You don’t need to worry about any security issues, Walnut doesn’t take any of your data from banks or any app you are using, it just calculates by reading your SMS. You will get an SMS whenever you transferred your data or whenever you used it. Walnut just reads your SMS’s, so that it can understand whenever you spend you spend and calculates automatically.


But it will not add your withdrawal amount in it considering you will add the details manually.


This app also reminds you to pay your EMI bills, Loan Bills, so that you don’t miss them. And again the best part is, it is totally automatic and you don’t need to add any remainders.

All you need to do is to log-in to the app with your mail and mobile number which is connected to banks and online wallets. And the rest is totally taken care of the app automatically.


Also, the graphs to show your expense details are soo clear.

4. My Smart Price

My Smart Price is the best E-commerce app if you ask me.

It doesn’t sell you directly like Flipkart or Amazon, but when you search for any product on that app, it will show you the present prices of many E-commerce sites like Flipkart and Amazon.

Heres what I mean.

If I want to buy a phone, let’s say a Redmi Note 7 Pro. Instead of searching from Flipkart or Amazon, I will directly go to My Smart Price where I can see the prices from all sites like this.


So I can know which site offers the best price for the product.

Not only phones, but you can also find all kinds of products to compare in My Smart Price. And the amount you save will be in hundreds and thousands which is not bad when you are willing to save money.

5. Coupon Dunia

Coupon Dunia is my favorite when it comes to getting offers when shopping.

Once you get to know which sites offer the best price using My Smart Price, check Coupon Dunia for any offers that site is offering right now. Coupon Dunia shows you all the coupons and offers for you.


The best part is, you can also earn rewards from Coupon Dunia.


Even though you have not found any offers, these rewards will be like cashback to you. So using Coupon Dunia itself is the best offer when buying something online.

6. Google Pay

Among all payments apps, Google pay has a special place for the rewards it offers.

Phone Pe and other UPI apps have offers and also good, but Google Pay is just simple and the rewards are good than the remaining. Firstly it is made by Google and it has good security undoubtedly.

Secondly, you can transfer the amount between your friends and family and also to the people nearby you. You can also pay Current bill, DTH, Gas, Phone Recharge, Broadband, etc. and the best part is you can do all these by getting rewards.

The thing I love in UPI apps more than Online Wallets is, you don’t have a separate Wallet, all your transferred amount will be transferred to the bank directly without any wallet in between.

7. Crown it

This is a really great concept to Save money. You may go to the supermarket, restaurant, theatre, Park or do some online shopping, you will get a bill for it. And you can use that bill to get back your money.

All you need to do is to take a picture of that bill and upload it Crown it. Then it takes a 2 days time to verify the bill and give either 50% of cashback or give you a chance to win the iPhone.


Most probably, these days you will be winning a chance to get the iPhone. The more bills you upload, the most chances you have to get an iPhone.

And all you need to do is taking a photo of the bills you are spending.

8. Cred

Cred is an amazingly rewarding app if you use Credit cards.

This app is entirely about Credit cards and paying back the bill with an extra bonus for you. Once you signed in and uploaded your card details, Cred collects the data about how much you need to pay this month and when is the last date.

It also reminds you of the due date to pay the bill. So you don’t be facing any issues with interests and penalties. And here comes the best part, you will be receiving points every time you pay the credit bill and those points can be used to buy something online, book a ticket or order food.

9. Hooper

Hooper is an app which will so much useful when booking a ticket for a flight.

after opening the app, you just need to choose the “From Where” and “To Where” points and Hooper will instantly show you the days where you can get a ticket for cheap and the days which are costly due to high demand.


It also shows the flights which are cheap, so that you can get a flight ticket for the cheapest rate possible. Though you cannot book a flight directly through Hooper, it will help to find the day and the flight which is cheaper.

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