Holding money for a long time can feel confusing sometimes, especially with so many options available out there to track. But in 2025, AI-powered personal finance tools in India are making it much easier for Indians to manage their personal finance with These Top 5 AI Tools to Automate Personal Finance in India.
These smart apps will help you make smart money-related decisions using AI. Let’s explore the Top 5 AI Tools to Automate Personal Finance in India (2025 Guide).
Top 5 AI Tools to Automate Personal Finance in India (2025 Guide)
1. Money View: Smart Expense Tracking
Money View is the most favourite app for most people. It reads your bank SMS alerts and shows where your money is going, without you entering anything manually.
Key Features: It tracks down your spendings, checks CIBIL score for free, and shows loan options.
Why It’s Great: It gives live advice to you, which can help you make good money habits.
Availability: Free with premium plan on Android and iOS devices.
This app is great for salaried users who want to stay on track with their automated financial planning in India without making too much effort.
2. ET Money: Comprehensive Wealth Management
ET Money mainly helps you grow your wealth by suggesting you some smart investments methods and reminds you about bills before the due date.
Key Features: It usually tracks down your spending, finds investment for tax saving, and also gives you insurance options.
Why It’s Great: It is the perfect option for young people who want to start their investment journey.
Availability: Free for Android and iOS users.
If you are searching for the best AI-based personal finance app, then ET Money is a strong integrated tool.
Check SEBI’s list of registered investment apps (source: sebi.gov.in)
3. Wally+: Visual Financial Insights
Wally+ displays your money habits using clear charts and visuals and it also supports different currencies, which is really helpful for NRIs or travellers.
Key Features: This app scans bills, plans your budget in sequence, and shows clear spending in an eye catching graphical form.
Why It’s Great: It is great if you want to understand your money in super easy form.
Availability: Free with extra for only Android users.
Wally+ brings a visual touch to personal finance, especially for users who like to deal with overseas currencies.
4. Wishfin: Credit Score Mastery
Wishfin helps you understand and boost your credit score in an easy way, which is very crucial for getting good benefits on loans in future.
Key Features: This app checks your CIBIL score for free and compares the best loan options just for you.
Why It’s Great: It usually helps you become ready for taking loans by improving your credit score.
Availability: Free for Android and iOS users.
5. Plum: Effortless Savings
Plum app silently saves a small amount of money for you, which is based on how much you earn and spend and you won’t even feel the strain.
Key Features: It is best for auto-saving features, analysing your money, and setting up the goals.
Why It’s Great: This app is great for beginners, who need easy savings.
Availability: Free with premium for Android and iOS users.
Conclusion
These AI tools for managing personal finance in 2025 are changing the trend of personal finance management in India. Whether you want to save more money, invest smartly, or improve your credit score for less loan interest rates, then there’s a tool just for you.
Make sure to try one according to your needs and take care of your personal finances.
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