The Best Free Expense Tracker in India (2026) — Our Honest Take
Looking for the best free expense tracker in India? Compared on features, UPI support, offline use, group splits, and privacy. Hisab Kitab, Walnut, Splitwise free, Money Manager Expense & Budget, Spendee.
"Best" depends on what you need. Here's a short list by use case.
For splitting with friends
Hisab Kitab (free, every split mode, UPI). Splitwise free (equal splits only; Pro at ₹399/yr for the rest).
For passive tracking from bank SMS
Walnut 365 (free, limited to Indian banks). Money View (free, pushes loans). Both have gotten more restricted as Android tightened SMS permissions.
For spreadsheets-but-prettier
Money Manager Expense & Budget (free + ads, Android). Spendee (free + Pro). Monefy (free + Pro).
For a neobank + tracker
Jupiter and Fi — great if you want the bank account too, limited if you use multiple banks.
Our pick for Indian users in 2026
Hisab Kitab. INR-first, UPI-first, every split mode free, works offline as a PWA, no ads, no data selling, hosted in Mumbai. The one obvious trade-off: it's manual entry, not SMS-based. That trade-off is intentional — SMS parsing is less accurate than it looks, and SMS permissions are getting squeezed every Android release.
Try Hisab Kitab free — if it's not for you, Splitwise and Walnut are both decent in their niches.