Smart Spends, a Times Internet money tracker app has rebranded itself into ET Money. With the new brand name, the Android app comes with many new features. Today we will review the app.

ET MoneyThe new version of Finance app comes with one key new feature. It allows you invest in Mutual Funds right from the app. ET Money suggests you top Mutual Funds and with the help of the you can easily make Mutual Fund transactions.

ET Money offers paperless Mutual Fund investment on the platform. All you have do is verify your KYC details and enter your details. You can invest in almost any Mutual Fund in 2 minutes.

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”.

Let us now start the review of ET Money (SmartSpends):

Along with Mutual Fund investment, ET Money comes with features like Spend tracker, offers, Billing calendar and Card suggest. You can also add your existing investments in the Android app and track it.

ET Money scans your bank messages and adds expenses in to the app. It supports majority of banks. The app also categorize transactions like Netbanking or card transaction.

ET MoneyYou can add expenses manually. While entering spends, you can choose one time spend or recurring spend. The app allows you to add merchants, person name to whom payment is made. Total spending according to accounts and merchants can be checked by tapping on accounts or merchants tab. You can also check monthly, weekly spending by clicking graph button on top right.

Discovering Funds and investing in Funds:

et-money-3ETMONEY makes it easy to find the best performing funds through auto-created themes. These themes are based on specific goals (for example tax saving) & are created by analyzing performance of more than 5,000+ mutual funds over the last 5-10 years.

You can choose any Fund and check its record. The app shows top performing funds, high risks funds and other types of pre created templates. On selecting the fund, it will show percentage profit in selected period.

Once you have identified the fund to invest in, the process of investing takes less than 2 min, whether you are KYC verified or not (As per government regulations, to invest in mutual funds, the consumer has to be KYC verified).

The big differentiator here is that the whole process of on-boarding is completely paperless. After the one-time setup, it takes less than 30 sec to invest in any fund.

The ET Money App also gives you complete visibility about the stage your investment, very similar to how you see delivery details on ecommerce sites.

To start with, the company has tied up with top 10 mutual fund houses and enables you to invest in more than 5,000+ funds.


To invest in any Mutual Fund, you have to enter your PAN card number and other details to open account. Once everything is done, you can invest in any Mutual Fund within minutes. Post investment, another unique feature of the app is its continuous Portfolio Management.

So with ET Money you can invest in any Mutual Fund easily and also keep track of your spending. It is available for Android from Google Play Store.