Home / Compare / ETMoney vs Hisaab
ETMoney vs Hisaab
ETMoney vs Hisaab: super-app or single-purpose tracker?
ETMoney is one of India's most polished personal-finance super-apps. Hisaab does one tenth of what ETMoney does — and that may be exactly why you'd pick it. Here's how the two differ in shape.
Free tier · 20 messages and 2 questions per day
ETMoney is a full personal-finance platform — mutual funds, NPS, insurance, credit-card management, and yes, expense tracking. Hisaab does only the last of those, and only via Telegram.
Both are legitimate choices. Picking between them is mostly about whether you want one app for everything financial, or a focused tracker that gets out of your way.
Where ETMoney is genuinely better
If you're already running mutual fund SIPs, NPS, and a few insurance policies, ETMoney's value is real — it's an aggregator, a transaction platform, and a tracker rolled together. The tracker piece pulls in from SMS automatically and produces respectable monthly summaries.
Their UX team has clearly invested heavily; charts are polished, the monthly summary is well-designed, and there's a lot of meta-context (SIP returns, expense vs income, etc.) that a single-purpose tracker won't give you.
Where Hisaab is genuinely better
If your only goal is I want to know where my money goes, ETMoney can feel heavy. You're logging into an app, navigating tabs, and accepting an ecosystem of products you may not want.
Hisaab's pitch is the opposite: you don't open anything. You text. "Spent 1200 on dinner", hit send, done. The friction floor is lower than any installed app could be — and that floor is why most tracking habits succeed or fail.
Pick ETMoney if…
You actively want to invest in mutual funds through their app, you'd benefit from the insurance / NPS bundling, and you don't mind another app on your home screen. ETMoney is also the right choice if automatic SMS-based expense parsing is a hard requirement.
Pick Hisaab if…
You want the lightest-possible expense tracker, you share daily spending with a partner, you don't want to install another app, or you care about open-source and self-hostable tools. Hisaab also makes sense if you'd rather type than grant SMS permissions.
Side by side
| Feature | ETMoney | Hisaab |
|---|---|---|
| Scope | Expense tracking only | Full PFM super-app |
| Logging method | Manual via Telegram | Auto (SMS) + manual |
| Investment products | No | Yes (MF / NPS / insurance) |
| Household sharing | Yes (one /invite command) | No |
| Account / login | Just Telegram | Email + KYC for investments |
| Open source | Yes (MIT) | No |
| Pricing | Free tier (20 msgs / day) | Free + commission on investments |