Apps that can help you plan finances better in 2022


Everyone looks forward to that golden period in life where one is free from work and responsibilities and have all the time to pursue one’s passions, and to reach that stage, one needs to plan their finances comprehensively. In many ways, a financial plan can act as a guide for you to meet your life’s goals, and it has never been more important than now to get a financial plan in order considering that the pandemic has upturned our financial lives to the extent that we all are reevaluating our priorities in life. But worry not, we live in a digital world where there is an app for anything and everything in life, and that includes apps for all aspects of financial planning and anything it entails. These Fintech apps can help you control your income, expenses, investments, debt, loans, and a lot more.

To make it easy for you to plan your finances better and to get the most out of 2022, we have compiled a list of the best fintech apps below:


MoneyTap is a lending platform that has pioneered the concept of an app-based credit line to provide people access to instant, affordable, and flexible credit of up to ₹5 Lakh. MoneyTap aims to provide 0% and low-cost EMIs across consumer goods, education, and healthcare sectors across 10,000 merchants. MoneyTap has tied up with several financial institutions, including HDB Financial Services, Credit Saison, InCred, Fullerton, IDFC First Bank, and more.

MoneyTap was founded in 2015 by Anuj Kacker, Kunal Verma, and Bala Parthasarathy. The app offers loans for small businesses, fast mobile credit, EMI plans with flexible payments and competitive interest rates. If you are a smartphone owner with a PAN, you can qualify for a small loan in under 15 minutes by accessing MoneyTap’s App. The entire process is paperless, except for the KYC documents required by the partner bank.


Founded in July 2020 by Sousthav Chakrabarty and Anil Bhat in Bangalore, Siply is a tech-enabled micro-savings platform. Siply wants to be the preferred financial services brand to the 40 crore Indians who are not yet a part of the formal banking system. The company is building a platform that is tailor-made to serve the specific needs of this segment, which has so far been largely overlooked by current financial institutions like banks and mutual fund houses.

The platform helps the underserved masses such as contract workers, blue-collar workers, gig economy workers, and small business owners inculcate savings behaviour through sachet financial services where the investment can be as low as INR 1.00 to build a more productive, inclusive, and financially secure Bharat.

Savings and investments are the centre point of any financial plan, and Siply is perfect for you to develop a habit of saving through their sachet financial services. Furthermore, with mutual funds on Siply, you can categorise your savings based on your saving goals. In addition, Siply provides many other facilities such as Tax Saving Funds, Emergency Funds, Retirement Savings, Wealth Funds. The company also has a Micro-Credit service that you can avail of for short term loans.


Founded in 2020 by Ashit Joshi, NuCash is a full-stack early-stage fintech that provides simple and easy banking, lending & investments solutions through its financial super app. The company focuses on making finance simple and palatable, helping you assess your current & future requirements, and meet all financial needs with ease.

NuCash is the financial bae to baby boomers and GenZ, and if you find financial planning daunting, this app can help you to understand finance like never before and have hassle-free access to otherwise cumbersome and complicated financial solutions.

The app covers everything from banking, lending and payments to insurance, investments and savings. Some of the pathbreaking features of the platform include zero balance, one-tap access to financial support, and only-human customer care managers.


A transformative fintech company,, has set out to reduce financial stress by providing employers with a holistic approach that addresses financial wellbeing issues at its core. The app can help you stay on track with your financial plan if you are in need of urgent funds or in times of emergencies by giving you an alternative to taking loans or dipping into your savings.

Instead of breaking the bank, you can claim your own well earned money by taking an advance salary from Valyu, a homegrown FinTech startup that provides tailor-made financial products for modern-day employees. If partnered with your employer, the app lets you withdraw your accrued but unpaid wages into your salary account whenever required. Unplanned expenditures, smart savings, celebrations, emergencies all require flexibility in your finances. With Valyu’s Advance Salary, you have the freedom to choose how & when to use your money.

Furthermore, the app has a seamless onboarding process as all you need is your registered mobile number & you’re ready to go with paperless applications, and there is no need for a credit check.


INDmoney is another app that is a one-stop destination for all your finances. The application automatically organises your finances, helps you to plan your goals, and uses machine learning to help you save and invest at Zero commissions.

INDmoney (previously known as INDwealth) was launched in 2019 with the aim of delivering a better financial future to individuals and families. The brand is owned by Finzoom Investment Advisors (p) Ltd; a SEBI registered Investment Advisory entity. The company is backed by investors such as Tiger Global, Steadview Capital, and Dragoneer.

INDmoney is Enabling users to track all their investments & liabilities: Users can track all their investments and liabilities across Mutual Funds, Indian Stocks, Fixed Deposits, EPF, NPS, Loans, PMS, Crypto, Credit Cards, Insurances, and many more.