Managing your money wisely doesn’t always require expensive advisors or premium apps. With the right free financial planning tools, you can track expenses, set budgets, save more, and even start investing smartly—all without spending a rupee. Here’s a guide to the best free tools everyone should use in 2025.
1. Expense Tracking Tools
Walnut – Tracks SMS-based transactions, helps you categorize expenses.
Money Manager – Simple app for budgeting and cash expense tracking.
Google Sheets/Excel Templates – Free DIY budgeting with customizable formats.
👉 Why use them? They give you a clear picture of where your money goes and highlight unnecessary spending.
2. Budgeting Tools
Goodbudget – Envelope-based budgeting system.
ET Money – Free app for budgeting + investments.
Mint (Global users) – Tracks accounts, expenses, and budgets in one place.
👉 Why use them? Budgeting tools help you create spending limits and stick to financial goals.
3. Investment Planning Tools
Groww – Free platform for mutual funds and SIP planning.
Kuvera – Free goal-based investment platform.
Smallcase (freemium) – Helps build stock portfolios with themes.
👉 Why use them? They let you plan SIPs, compare mutual funds, and automate investments.
4. Retirement & Goal Calculators
Scripbox Free Calculators – Retirement, SIP, child education calculators.
ClearTax Tools – Tax and investment planning calculators.
Policybazaar Tools – Insurance and savings calculators.
👉 Why use them? They help estimate how much you need to save for future milestones.
5. Credit Score & Loan Management Tools
CRED – Free credit card bill management + credit score check.
Experian / CRIF / Paisabazaar – Free credit report checks.
BankBazaar Loan Calculators – EMI and eligibility tools.
👉 Why use them? A good credit score makes it easier to get loans at lower interest rates.
6. UPI & Digital Payment Tools
Google Pay / PhonePe / Paytm – Free UPI-based transactions and bill payments.
BHIM App – Simple and government-backed.
👉 Why use them? They simplify payments, track expenses, and offer cashback rewards.
Final Thoughts
Financial planning doesn’t need to be costly or complicated. By using these free financial planning tools, you can manage your income, track expenses, save for future goals, and invest smartly—all from your smartphone.
Frequently Asked Questions (FAQ)
1. What are financial planning tools?
Financial planning tools are apps, calculators, or platforms that help you manage expenses, track savings, plan investments, and reach financial goals without needing a professional advisor.
2. Are free financial planning tools safe to use?
Yes, most popular free financial planning tools are safe and regulated. Always choose apps with RBI/NPCI approval, trusted reviews, and secure authentication to protect your data.
3. Which is the best free financial planning app in India?
Some of the best free financial planning apps in India include Walnut, ET Money, Groww, Kuvera, and CRED. Each one offers unique features like budgeting, SIP tracking, or credit score management.
4. Can free tools replace financial advisors?
Free tools are great for budgeting, tracking, and basic investment planning. However, for complex needs like tax planning, large investments, or retirement strategies, consulting a financial advisor is recommended.
5. Do financial planning tools help with taxes?
Yes, many free tools like ClearTax, Policybazaar calculators, and ET Money offer tax calculators and investment planning features to help you optimize savings under tax laws.
Published on : 28th August
Published by : SMITA
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