Managing expenses — whether you are a salaried professional tracking monthly spending or a CFO overseeing corporate travel and reimbursements across hundreds of employees — has become significantly more sophisticated in India over the past few years. The rise of UPI, the proliferation of corporate fintech, and the Indian government’s continued push toward a digital economy have together created fertile ground for expense management software to thrive.
India’s B2B SaaS and fintech sectors have grown rapidly, producing several homegrown, world-class expense management platforms that rival global products. At the same time, multinational solutions have deepened their India-specific integrations — supporting GST compliance, Indian banking rails, and rupee-denominated workflows. The result is a rich, competitive landscape of tools available to Indian users in 2026, spanning personal budgeting apps, SME accounting integrations, and enterprise-grade spend management platforms.
This article gives you a thorough, factually grounded guide to the Top 10 Expense Management Apps in India in 2026, covering what each app does best, who it is built for, and why it deserves a place on this list.
1. Zoho Expense
Type: Business expense management | Best for: SMEs, mid-market, and enterprises | Pricing: Freemium; paid plans from ₹150/user/month
Zoho Expense is arguably the most widely adopted business expense management platform in India, and for good reason. Built by Zoho Corporation — the Chennai-headquartered software giant that has spent decades building an ecosystem of 55+ business applications — Zoho Expense benefits from deep integration with Zoho Books, Zoho CRM, and the broader Zoho One suite. For businesses already operating within the Zoho ecosystem, it is a natural and powerful choice.
What makes Zoho Expense particularly well-suited to the Indian market is its robust GST compliance framework. The platform allows users to capture GST-compliant receipts, auto-match credit card transactions, generate GSTR-ready reports, and enforce multi-level approval workflows — all features that are critical for Indian businesses navigating the complexities of the Goods and Services Tax. In 2026, Zoho Expense also supports AI-assisted receipt scanning and mileage tracking through its mobile app, making it one of the most feature-complete expense tools available at its price point.
2. Fyle
Type: AI-powered corporate expense management | Best for: Mid-market and enterprise businesses | Headquarters: Bengaluru, India
Fyle is one of India’s most innovative homegrown expense management startups, founded in Bengaluru in 2016 by Yashwant Madhusudhan and Sivaramakrishnan Narayanan. The company’s most distinctive feature is its real-time credit card expense tracking — Fyle integrates directly with Visa and Mastercard networks to automatically capture and categorize transactions the moment a card is swiped, without requiring employees to manually submit receipts after the fact. This eliminates one of the biggest pain points in corporate expense management: delayed and inaccurate expense reporting.
Fyle has gained significant traction with Indian mid-market companies and multinational subsidiaries operating in India. Its ability to integrate natively with accounting platforms like QuickBooks, Xero, and NetSuite, combined with its Slack and Teams integrations for in-app expense submissions, makes it a genuinely modern solution. The platform is used across industries from IT services to pharma, and continues to grow as Indian companies scale and professionalize their finance operations.
3. Happay (CRED Business)
Type: Corporate spend management platform | Best for: Enterprises and large corporates | Headquarters: Bengaluru, India
Happay was founded in 2012 by Anshul Rai and Varun Rathi and quickly became India’s most recognized corporate expense management and prepaid card platform. In 2022, CRED acquired Happay for approximately $180 million, integrating it into the CRED Business suite of financial tools. This acquisition brought together Happay’s enterprise expense management infrastructure with CRED’s large network of affluent users and its growing B2B fintech ambitions.
Post-acquisition, Happay operates under CRED Business and continues to serve enterprise clients with a comprehensive platform that includes corporate prepaid cards, travel booking integration, petty cash management, and automated policy enforcement. Its ability to issue and manage cards at scale — while giving finance teams a real-time dashboard to monitor spend — makes it particularly powerful for large organizations with distributed workforces. Happay’s legacy enterprise client base from the pre-acquisition era remains one of the most recognized in India’s B2B fintech space.
4. Zaggle Prepaid Ocean Services
Type: SaaS-based spend and rewards management | Best for: Enterprises and HR/Finance teams | Headquarters: Hyderabad, India
Zaggle is the only publicly listed expense management company in India, having debuted on both the BSE and NSE in September 2023. This distinction gives it a transparency and institutional credibility that few Indian fintech companies in this space can match. The company’s platform combines prepaid cards, employee expense management, rewards programs, and channel incentive management into a single integrated stack.
What sets Zaggle apart is its focus on the intersection of employee benefits and expense control — its SAVE product handles tax-saving reimbursements like meal, fuel, and communication allowances, while its PROPEL product manages channel and partner rewards. This dual positioning makes it valuable both for HR teams managing employee perks and for finance teams controlling corporate expenditure. In 2026, Zaggle serves hundreds of enterprise clients across BFSI, IT, manufacturing, and retail sectors.
5. EnKash
Type: Corporate card and spend management | Best for: SMEs, startups, and growth-stage companies | Headquarters: Mumbai, India
EnKash, founded in 2018 by Naveen Bindal, Hemant Vishnoi, and Yadvendra Tyagi, markets itself as India’s first spend management platform purpose-built for businesses. At its core, EnKash provides corporate cards that can be issued instantly and controlled programmatically — allowing finance teams to set spend limits, define category restrictions, and deactivate cards in real time without the bureaucratic overhead of traditional banking.
The platform is especially popular among startups and fast-growing SMEs that need enterprise-grade spend controls without the complexity and cost of legacy enterprise software. EnKash integrates with popular Indian accounting tools and supports UPI-based workflows, making it highly compatible with the digital-first operations of modern Indian businesses. Its “Apollo” corporate card product and virtual card issuance capabilities have made it a go-to for SaaS companies, D2C brands, and digital-first enterprises.
6. Volopay
Type: Multi-currency corporate cards and expense management | Best for: Companies with cross-border operations | Headquarters: Singapore (strong India market presence)
Volopay, while headquartered in Singapore, has built a strong and growing user base in India — particularly among Indian SaaS companies, export-oriented businesses, and multinational subsidiaries that need to manage expenses in multiple currencies. The platform offers multi-currency corporate cards, automated accounts payable, vendor payment workflows, and real-time expense visibility, all under one roof.
What makes Volopay compelling for Indian businesses in 2026 is its ability to bridge domestic rupee expenses with foreign currency transactions — issuing both INR and USD cards from the same dashboard. As Indian companies increasingly operate globally and hire across borders, tools that handle multi-currency expense complexity without friction are becoming indispensable. Volopay also integrates natively with Xero, QuickBooks, and NetSuite, making it a strong fit for finance teams that want automated reconciliation.
7. SAP Concur
Type: Enterprise travel and expense management | Best for: Large enterprises and MNC subsidiaries | Headquarters: Global (Bellevue, USA); widely used in India
SAP Concur is the global leader in enterprise travel and expense management, and it maintains a significant presence in India through its deployments at large Indian corporates, public sector undertakings, and the Indian subsidiaries of multinational companies. The platform’s core strength is its end-to-end travel-and-expense (T&E) workflow — from travel booking and approval to expense submission, reimbursement, and audit, everything is managed within a single, auditable system.
For Indian enterprises, SAP Concur’s GST reporting capabilities, HRMS integrations (with SAP SuccessFactors, Workday, and Oracle HCM), and enterprise-grade security make it the gold standard for large-scale T&E management. Its higher cost of deployment and implementation means it is rarely a choice for startups or SMEs, but for organizations with complex, multi-geography expense management needs, it remains the most capable platform available in India in 2026.
8. Expensify
Type: Global expense reporting and management | Best for: Freelancers, small businesses, and internationally distributed teams | Headquarters: Portland, USA (with India users)
Expensify, while a US-based product, has earned a loyal user base in India — particularly among freelancers, small agencies, and businesses that work with international clients and need USD-denominated expense reporting. The app’s SmartScan technology automatically reads and categorizes receipts using OCR, and its one-click reimbursement feature simplifies the payment process considerably. Expensify also offers a corporate card that feeds expenses directly into the app.
For Indian users who need a simple, intuitive, and globally compatible expense management tool — without the complexity of an enterprise system — Expensify remains one of the easiest solutions to get started with. It integrates with QuickBooks, Xero, and Sage, and is particularly popular with IT consultants and remote professionals who invoice in dollars but manage INR expenses on the side.
9. Money Manager — Expense & Budget
Type: Personal finance and expense tracking | Best for: Individual users and households | Platform: Android and iOS
For individuals rather than businesses, Money Manager is one of the most downloaded and highly rated personal expense tracking apps in India on both the Google Play Store and Apple App Store. The app allows users to manually log income and expenses, set category-wise budgets, view visual spending reports, and manage multiple accounts — including bank accounts, credit cards, and digital wallets. Its clean UI and support for Indian currency make it extremely accessible for everyday users.
In 2026, Money Manager remains popular because it works entirely offline — a meaningful advantage in India where many users in Tier 2 and Tier 3 cities still face occasional connectivity issues. There is no subscription fee for core functionality, which drives its mass-market adoption. For anyone looking to build better personal finance habits without the complexity of a bank-integrated tool, Money Manager is a practical, no-frills solution.
10. ET Money (by One Score)
Type: Personal finance, expense tracking, and investment management | Best for: Salaried professionals and retail investors | Headquarters: New Delhi, India
ET Money, originally launched as a personal finance app by the Economic Times Group and later rebranded under One Score after its acquisition, has evolved significantly from its roots as an expense tracker. Today, it functions as a comprehensive personal finance platform that covers expense categorization, mutual fund investments, insurance, and credit score monitoring under a single dashboard.
The app’s ability to automatically sync with SMS transaction alerts from Indian banks and wallets means that most expenses are captured without manual entry — one of its most appreciated features by Indian users. In 2026, ET Money’s integrated approach positions it uniquely at the intersection of expense awareness and wealth building: it not only shows you where your money is going but actively nudges you toward smarter savings and investment decisions based on your spending patterns.
Choosing the Right Expense Management App in India
The right app depends fundamentally on who you are and what problem you are solving. If you are a large enterprise or MNC subsidiary in India with complex T&E workflows, SAP Concur or Happay (CRED Business) are the most robust options. If you are a fast-growing startup or mid-market company looking for modern, card-led spend management, Fyle, EnKash, or Volopay offer the best combination of agility and control. For SMEs that need GST-compliant expense management tightly integrated with accounting, Zoho Expense is the most practical and cost-effective choice. And for individual users and salaried professionals, Money Manager and ET Money offer accessible, feature-rich solutions for everyday financial tracking.
The Expense Management Landscape in India in 2026
Three major forces are reshaping this market in 2026. First, AI and automation are eliminating manual data entry — real-time card feeds, OCR-based receipt scanning, and machine learning-powered categorization are now table-stakes features, not differentiators. Second, the rise of corporate fintech has blurred the lines between expense management and banking — companies like EnKash, Volopay, and Zaggle now offer card issuance, payments, and expense tracking as one unified product. Third, GST compliance automation continues to be a critical differentiator for Indian-market products, as businesses face increasing scrutiny from tax authorities and demand software that makes audit-readiness effortless.
Taken together, these trends point to an expense management ecosystem that is becoming faster, more intelligent, and more deeply integrated with the way Indian businesses and individuals manage money — making the choice of the right platform more impactful than ever before.
Note: Information is based on data available through mid-2025. App features, pricing, and company status may have evolved. Always verify current plans and offerings on the respective company’s official website.
