in ,

ET Money Review: Ultimate Expense Manager App


SmartSpends, the Times Internet backed highly secure money manager app for Android users has now rebranded itself into ETMONEY. The app provides an easy way to manage and organize personal finances. Among its many features are Spends, Investment, Bill Calendar, Card Suggest and Offers. Using these, not only can users save and organize information on where they are spending his money, but also find discounts and offers for themselves.

This fully automated app not just helps you to control your expenses but also makes buying the best mutual funds so simple. Users can now find their funds through auto-created themes in the app. Moreover, ET MONEY offers a no-jargon report card for funds which shows how good or bad the funds are in terms of returns and risks.

Mr. Mukesh Kalra, COO, ETMONEY, commented, “We believe that the financial journey of retail consumers in India is completely broken. We started fixing it by enabling users to understand and manage their money in a way far better than other alternatives. As a natural extension, we will now help consumers grow their money by investing in mutual funds seamlessly”

ET MONEY App review

When you first open the app, You need to sign up or sign in with your existing mail id, specifically Google id. Then after giving the general app permissions you land into the main page which is beautifully designed, that showcases five rows starting with Spends, Investments, Bill Calendar, Card Suggest and Offers. Each of these rows has been assigned to perform various tasks.



Spends is a section that keeps tracks and manage your expenses. ET MONEY used SMS-based expense tracker that automatically aggregates all your spends in one place and then smartly categorizes them too! This all happens without the need of any manual input or any sensitive info such as bank details, passwords, etc. Also, you can add Recurring cash or Cash Spend manually for much more accurate result.


There’s also a statistics option to keep track of your saving graphically.



Investments recently got added to the newly updated app. It provides a complete investing solution for the smarter generation. This section would primarily serve new investors to discover and manage their funds in an easier manner. For starters, ETMONEY makes it easy to find the best performing funds through auto-created themes. These themes are based on specific goals & are created by analyzing performance of more than 5,000+ mutual funds over the existence of last 5-10years. Further, The report cards are designed specifically to showcase the right amount of returns and risk factors so that the investor has a clear idea of where his funds are heading.


This section creates a bill calender of all your bills. The app scans your emails and messages to find out the bills that have been paid or are due to be paid and aggregates them in proper labels within Bill Calendar section. For this action to happen, you must turn on in-app permissions on your Android device. You will instantly get notified about the pending bills, so we never miss the due date. App can track numerous things ranging from Credit Card, Data Card, DTH, Electricity Bills, Insurance, Mobile, Water, etc.


As the name suggest, here you’re greeted with offers & discounts depending upon your credit/debit cards. ETMONEY also auto-suggests you the best card to use for each of the transactions. It can easily setup by itself or just tap on add card and then select your bank, select your card type, Card Name and finally Affiliation, Where then you’re asked for the last four digits of your card. Once you’re done setting up the card, Now there would be notified by several offers and discounts which get showcased which can be availed offline and online via that same particular credit/debit card.



This section has similar resemblance to Cards Suggest feature, but instead of displaying selective card offer, it will almost every shopping deals that could be anything ranging from E-commerce websites, Paytm, Telecom Operators Data Offers to groceries, movies, dining out and virtually everything. Among the huge list of various attractive offers, you can use search for the one you’re looking right within the app itself.

Currently available only on Android, the app was recently featured by Google as a top personal finance app and is used by more than 8 Lakh users. Download ET Money.


One thing that impressed me a lot is that the app maintains the user’s privacy and does not need your personal account details, password, credit or debit card numbers, etc. Also the Spend section of the app was my favourite because it brings together all my spends in one place along with their sources. The new addition –mutual fund investment feature is a welcome addition to the app which I guess will go a long to in helping users to invest their money based on realtime performance of funds.

Written by Shintu

Tech Blogger by passion & App Developer by Profession. Founder and Former editor-in-chief of GadgetnMore & Gadgetsware blog.

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Moto E Power Launch in India for INR 7999

Astrum Introduce 3 new SM Series Wireless Bluetooth Speakers