Managing money has become easier than ever, thanks to the growing number of financial apps designed to simplify saving and spending. Whether you're looking to track expenses, get cashback, or find smart ways to budget, there's an app for everything.
In this blog, we’ve rounded up the 10 best apps to help save money effortlessly in 2025, with a closer look at Bacchat Wallet and its unique features. Let’s dive in!
1. Bacchat Wallet: Save Money While Spending
Bachat Wallet is a revolutionary money saving apps for shopping. It is a digital wallet that offers rechargeable packages and doesn’t require you to link a bank account.
Key Features of Bachat Wallet
. Instant Savings: Recharge your wallet with packages starting at ₹3,000, ₹6,000, ₹12,000, or ₹24,000 and save between 33% and 50% on transactions.
. No Bank Linking: Recharge your wallet securely without sharing sensitive bank details.
. Track Expenses: Automatic transaction tracking helps you manage your money effortlessly.
. Referral Benefits: Invite friends and family to Bacchat Wallet and earn commissions from their savings.
Why Use It?
Bachat Wallet is perfect for Indian consumers looking for an easy way to save money on their daily expenses while enjoying secure, cashless payments.
2. Paytm: Cashback and Discounts
Paytm remains one of India’s most trusted digital wallets and payment platforms. It offers cashback, discounts, and vouchers on bill payments, recharges, and shopping.
Key Features:
- Pay bills, recharge phones, and shop while earning cashback.
- Book flights, movies, or hotels with exclusive discounts.
- Save through Paytm Wallet and Paytm Postpaid options.
Paytm is widely accepted across India and remains one of the best apps to help save money on regular transactions.
3. PhonePe: Savings and Rewards
PhonePe is another popular digital wallet app in India, offering UPI payments, cashback, and rewards.
Top Features:
. Get cashback for bill payments, recharges, and shopping.
. Earn rewards through scratch cards and partner offers.
. Use the “Switch” feature to access savings on food, travel, and more.
With its user-friendly interface, PhonePe makes saving money through UPI transactions effortless.
4. CRED: Save While Paying Credit Card Bills
CRED rewards you for paying your credit card bills on time. For every bill payment, you earn CRED coins, which can be redeemed for rewards and discounts.
Why Use CRED?
. Track all your credit card bills in one place.
. Earn cashback and exclusive rewards for timely payments.
. Access deals on luxury brands, restaurants, and travel.
. CRED not only promotes responsible credit usage but also helps users save money through rewards.
5. NiyoX: Zero-Balance Savings Account
NiyoX is a digital banking app that offers a zero-balance savings account with great interest rates. It’s perfect for users who want to save while earning returns.
Features That Help You Save:
. Earn up to 7% interest on your savings.
. Track expenses and manage budgets effortlessly.
. Invest in mutual funds with minimal charges.
. NiyoX combines banking and saving tools, making it a must-have for individuals looking to grow their money.
6. BharatPe: Save on Business Transactions
BharatPe is a popular app for small businesses and merchants in India. It simplifies digital payments and offers cashback and rewards on business transactions.
Key Features:
. No transaction charges for UPI payments.
. Save money through BharatPe’s cashback and rewards programs.
. Use BharatPe to get short-term business loans at competitive rates.
. This app is ideal for shopkeepers, vendors, and small business owners looking to cut costs and maximize savings.
7. Money View: Budget and Track Expenses
Money View is one of the best personal finance apps in India, helping you track spending, manage budgets, and save money effortlessly.
How It Works:
. Auto-track your expenses by linking bank accounts.
. Create custom budgets and get reminders for bills.
. Use its loan feature to manage finances during emergencies.
Money View simplifies budgeting and ensures you stay on top of your financial goals.
8. Groww: Save and Invest Smartly
Groww is a leading app for investing and saving. While it primarily focuses on mutual funds and stocks, it’s also a great way to build long-term savings.
Top Benefits:
. Invest in mutual funds with zero commission.
. Save small amounts regularly through Systematic Investment Plans (SIPs).
. Track your investments and growth with ease.
. Groww is a fantastic app for individuals who want to save money while growing their wealth over time.
9. LazyPay: Instant Credit and Smart Payments
LazyPay helps users split bills and make buy-now-pay-later (BNPL) purchases. It’s great for managing expenses and avoiding unnecessary financial strain.
How It Helps You Save:
. Pay bills later while avoiding interest fees if paid on time.
. Get cashback and rewards on partner platforms.
. Track your spending and repayment schedule.
. LazyPay makes saving easier by managing your cash flow without stressing your wallet.
10. ZestMoney: Save on EMI Payments
ZestMoney is a digital lending platform that offers zero-cost EMIs for shopping and purchases. It helps users split large expenses into manageable payments.
Why ZestMoney Stands Out:
. No credit card required for EMI approvals.
. Earn rewards and discounts while repaying loans.
. Zero hidden charges on approved EMIs.
If you’re making big purchases, ZestMoney helps you save while breaking payments into smaller chunks.
Top Indian Money-Saving Apps
|
App Name |
Best For |
Key Features |
|
Bacchat Wallet |
Saving on shopping |
Rechargeable packages, referral rewards |
|
Paytm |
Cashback on transactions |
Bill payments, recharges, shopping |
|
PhonePe |
Rewards for UPI transactions |
Cashback, partner offers |
|
CRED |
Credit card bill payments |
Rewards, credit tracking |
|
NiyoX |
Savings with interest |
Zero-balance account, mutual funds |
|
BharatPe |
Business payments |
No UPI fees, cashback for merchants |
|
Money View |
Expense tracking and budgeting |
Auto-track expenses, bill reminders |
|
Groww |
Saving and investing |
Mutual funds, SIP investments |
|
LazyPay |
Smart credit management |
Buy-now-pay-later, rewards |
|
ZestMoney |
Affordable EMIs |
No-cost EMIs, easy repayment |
FAQs
1. How does Bacchat Wallet help me save money?
Bacchat Wallet is one of the best money saving apps for shopping. It offers rechargeable savings packages that allow you to save instantly on purchases without linking your bank account.
2. Which apps are best for cashback in India?
Paytm, PhonePe, and Ibotta are some of the best apps for earning cashback on shopping and bill payments.
3. Can I use CRED to save money?
Yes, CRED rewards you with cashback and exclusive deals for paying your credit card bills on time.
4. What is the best budgeting app in India?
Money View and YNAB are excellent budgeting apps to track expenses and save money effectively.
5. How do digital wallets like Bacchat Wallet work?
Digital wallets allow you to recharge an account and make secure payments while helping you save money with rewards and packages.
Final Thoughts
With the rise of Indian fintech innovation, saving money has never been easier. From cashback and rewards to smart budgeting tools, these Indian apps to help save money cater to every financial need. If you’re looking for an effortless way to save while spending, apps like Bacchat Wallet and Paytm are must-haves for 2025.
Take control of your savings journey and start using these apps today!
