About MoneyView
MoneyView started as an SMS-based expense tracker and pivoted heavily into personal loans. The expense tracking is still there, but the app is now primarily a lending platform.
About Money Track
Money Track is a single-user, privacy-first personal finance app made in India. Nine modules — wallets, transactions, goals, budgets, khata, subscriptions, assets, reports, achievements — in one calm dashboard. No ads. No data sold. ₹299 / 6 months.
Feature-by-feature
| Feature | Money Track | MoneyView |
|---|---|---|
| Primary focus: money tracking MoneyView is primarily a loan app | ||
| No loan ads inside the app | ||
| Manual + categorised transactions | ||
| Budgets | ||
| Goals tracker | ||
| Khata (lend/borrow) | ||
| Assets & net worth | ||
| Subscription tracker | ||
| No data shared with lenders | ||
| JSON data export | ||
| Personal loan facility |
Why people switch to Money Track
- You want to track money, not be sold loans every time you open the app.
- Your transaction data should help you — not be used as a lending credit signal.
- Money Track has 9 modules vs MoneyView's 2-3 tracking screens.
Our honest verdict
If you want a loan, MoneyView is purpose-built for it. If you want a calm money tracker without loan upselling, Money Track is the cleaner choice.
Frequently asked questions
Is MoneyView a tracking app or a loan app?
Both, but increasingly skewed to loans. The home screen typically leads with loan offers; tracking has become secondary. Money Track is the opposite — pure tracking, no lending.
Will MoneyView affect my credit score if I just use the tracker?
Not by itself. However MoneyView is a registered lender and analyses your transaction patterns. Money Track is not a lender and does not generate credit signals from your data.
Does MoneyView track UPI like Money Track?
Both rely on user-entered or SMS-parsed transactions. Neither directly connects to UPI infrastructure. Money Track focuses on manual entry with quick-add shortcuts; MoneyView leans on SMS parsing with the privacy trade-offs that brings.
Can I use both apps?
You can — but it duplicates effort. Money Track replaces the tracking layer entirely; users typically uninstall MoneyView once they've set up Money Track wallets.
Compare against other apps
Money Track is free for the first month.
No card. No data sold. Cancel anytime — your data exports as JSON.
Start free trial