🇮🇳 Built for India

India's Best Free
Personal Finance App

India's best free personal finance app — expense tracker, mutual fund portfolio, bank statement analyser, SIP calculator, and stock portfolio tracker. Everything in one place, free forever.

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✅ ₹12,400 saved this month!
Total Balance
₹1,84,230
↑ +8.4%
OctNovDecJanFebMar
🍽️
Zomato Order
Food · Today
−₹340
💼
Salary Credited
Income · 1 Mar
+₹85,000
🚗
Ola Cab
Transport · Yesterday
−₹280
Features

Best Free Personal Finance App in India

Expense tracker + mutual fund app + bank statement analyser + SIP calculator + stock portfolio tracker — all free, all in one place.

💳
Daily Expense Tracker

Log every daily expense in seconds — UPI, Cash, Debit Card, Credit Card, Net Banking. Complete transaction list with smart search and filters.

📊
Visual Dashboard

Real-time visual dashboard with spending charts, category breakdowns, and month-over-month trends. Know where every rupee goes.

📈
Mutual Fund Portfolio Tracker

Track all your mutual fund investments — SIP, lumpsum, ELSS, index funds. Live NAV from AMFI. Best mutual fund app experience, free.

🏦
Bank Statement Analyser

Upload HDFC, SBI, ICICI, Axis, Kotak bank statement CSV. Our bank statement analyser auto-detects and categorises every transaction instantly. Try free →

🧮
SIP Calculator India

Calculate SIP returns for any amount and duration. Supports Bank of India SIP calculator, SBI SIP, Nippon India SIP, and all fund houses.

📉
Stock Portfolio Tracker

Track NSE, BSE stocks alongside mutual funds and crypto. Live prices, P&L, allocation charts. Best stock portfolio tracker india — free.

🎯
Monthly Budget Planner

Set monthly budgets per category. Track spending against limits. The simplest monthly budget planner india — works the way your brain does.

📤
Reports & Bank Statement Export

Download CSV reports for any date range. Perfect for tax filing, CA submissions, and small business expense tracking.

🧾
Tax Saving Tracker

Track ELSS tax saving, PPF, NPS, health insurance under 80C, 80D, 80CCD. Know exactly how to save tax — works for both old and new tax regime. Track now →

Free Tax Saving Tracker

Save up to ₹78,000 in tax
every financial year

Track 80C (ELSS, PPF, LIC), 80D (health insurance), NPS, home loan interest, and all deductions in one place. Know exactly how to save tax — in both old and new tax regime.

💼
80C limit tracker
Track ELSS tax saving, PPF, LIC, NPS — ₹1.5L limit with live progress bar
🏥
80D health insurance
Track health insurance premiums for self and parents — up to ₹75,000 deduction
🏛️
NPS 80CCD(1B)
Extra ₹50,000 deduction on NPS over and above 80C — one of the best tax saving tools
📊
Auto-detect from transactions
Scans your bank transactions for ELSS SIPs, LIC premiums, health insurance — suggests adding them
🧾 Start Tracking Tax Savings →
Free forever · All deduction sections · FY 2024–25
FY 2024–25 Tax Saving Progress
Section 80C ELSS + PPF + LIC
₹1,10,000 / ₹1,50,000
Section 80D Health Insurance
₹25,000 / ₹50,000
Section 80CCD(1B) NPS Contribution
₹30,000 / ₹50,000
Section 24(b) Home Loan Interest
₹1,50,000 / ₹2,00,000
Estimated tax saved so far
₹52,200
Potential remaining
₹25,800 more
How to save tax in new tax regime · ELSS tax saving funds · Tata tax saving fund tracker · Savings account transaction limit · How to save tax on salary
Pricing

Start free, upgrade when ready

Free Forever
₹0/mo
  • Unlimited transactions
  • Full transaction history
  • Unlimited budget categories
  • AI-powered insights
  • SIP, EMI, Salary & GST calculators
  • Recurring bills tracker
  • CSV export & reports
  • No credit card required
Get Started Free →
FAQ

Common Questions

Everything you need to know about RozHisab — India's best personal expense tracker app.

What is the best free personal finance app in India? +
RozHisab is India most complete free personal finance app — expense tracker, mutual fund portfolio tracker, bank statement analyser, SIP calculator, and stock portfolio tracker. Zero cost, no credit card needed.
Is RozHisab the best mutual fund app in India? +
RozHisab lets you track all your mutual funds with live NAV from AMFI, calculate SIP returns, and see your complete portfolio in one place. It is one of the best apps for mutual funds in India — and completely free.
How does the bank statement analyser work? +
Upload your bank statement CSV from HDFC, SBI, ICICI, Axis, or Kotak. RozHisab bank statement analyser automatically detects columns, categorises every transaction, and shows you spending patterns instantly — no manual entry.
Can I use RozHisab as a monthly budget planner? +
Yes. Set monthly budgets per category, track spending against limits, and get alerts when you are close to your limit. It is the simplest monthly budget planner india — works exactly the way you think about money.
Does RozHisab have a SIP calculator for all banks? +
Yes — the SIP calculator works for all fund houses including Bank of India SIP, SBI SIP, HDFC SIP, Nippon India SIP, HSBC SIP. Enter any amount, rate, and duration to calculate your returns.
How to save money from salary every month? +
Track every expense for 30 days on RozHisab, set a budget, and automate savings on salary day. Most users find ₹3,000–8,000/month of waste in their first month. The app shows exactly where your money leaks.
How to save tax in the new tax regime? +
Under the new tax regime, 80C, 80D, and most deductions are not available — but NPS 80CCD(1B) (₹50,000) and standard deduction (₹75,000) still apply. RozHisab's tax tracker shows exactly which deductions work for both old and new regime.
What is the best ELSS tax saving fund in India? +
Top ELSS tax saving funds include Quant ELSS, Mirae Asset Tax Saver, Axis Long Term Equity, and Tata Tax Saving Fund. All qualify for ₹1.5L deduction under 80C with only 3-year lock-in. Track your ELSS SIPs in RozHisab.
How to save tax in new tax regime 2024-25? +
Under the new tax regime, you get a standard deduction of ₹75,000 but cannot claim 80C, 80D, or 80CCD deductions. The old tax regime is better if your total deductions exceed ₹3.75 lakhs. RozHisab tax tracker helps you calculate which regime saves more.
Which is the best ELSS tax saving fund? +
Popular ELSS tax saving funds include Tata Tax Saving Fund, Axis Long Term Equity, Mirae Asset Tax Saver, Quant ELSS, and Parag Parikh ELSS. All offer 80C deduction up to ₹1.5 lakh with a 3-year lock-in. Track all your ELSS investments in RozHisab.
What is the savings account transaction limit without tax? +
Under Section 80TTA, interest earned on savings accounts up to ₹10,000 per year is tax-free. For senior citizens, Section 80TTB extends this to ₹50,000 covering FD and RD interest too. Track this in RozHisab tax saving section.
Can I track stocks and mutual funds together? +
Yes. RozHisab portfolio tracker supports NSE stocks, BSE stocks, mutual funds, crypto, and ETFs in one dashboard. Best stock portfolio tracker india that works alongside your MF investments.
Is RozHisab better than Groww or Zerodha for expense tracking? +
Groww and Zerodha are brokers — they track investments but not daily expenses, budgets, or bank statements. RozHisab combines expense tracking with investment tracking, so you see your complete financial picture in one place.

Best Free Personal Finance App India

RozHisab is India's most complete free personal finance app — combining daily expense tracking, mutual fund portfolio management, bank statement analyser, SIP calculator, and stock portfolio tracker in one place. No subscription, no credit card, no hidden charges. Free forever for every Indian.

Best Mutual Fund App India

Track all your mutual fund investments with live AMFI NAV, calculate SIP returns for any fund house — Bank of India SIP, SBI SIP, HDFC SIP, Nippon India SIP, HSBC India — and see your complete portfolio performance. The best app for mutual funds in India that also tracks your daily expenses.

Bank Statement Analyser India

India's smartest bank statement analyser — upload HDFC, SBI, ICICI, Axis, or Kotak CSV and get instant spending analysis. Auto-categorises 600+ merchants, detects duplicates, and shows category-wise spending charts. The fastest way to understand your bank statement without manual effort.

Stock Portfolio Tracker India + Monthly Budget Planner

Track NSE and BSE stocks with live prices, alongside mutual funds and crypto. Plus a monthly budget planner that actually works — set limits per category and get alerts before overspending. Learn how to save money from salary with personalised insights based on your real spending data.