Compare
FinCharya, beside the two apps closest to it.
FOLO and TrackMyNetWorth also try to show a household its whole net worth. Here is where each one stands next to FinCharya, line by line, including where they beat us. Brokers and apps that earn from selling you investments do a different job, so they aren't compared here.
Side by side
Line by line.
FinCharya is always the first column. Switch either app off to read it against the other alone.Pick the app to read it against.
FinCharya
| Capability | FinCharya | FOLO | TrackMyNetWorth |
|---|---|---|---|
| Coverage and imports | |||
Unified net worthEvery asset class (equity, funds, US stocks, EPF/PF, FDs, bonds, cash) in one figure. | ● | ||
Equity & ETF auto-importPulls your live stock/ETF holdings from a broker rather than asking you to type them in. | ● | ||
Mutual fundsTracks mutual-fund holdings with NAV, returns and allocation. | ● | ||
US / foreign stocksCovers overseas equities (typically US), priced and converted into your home currency. | |||
EPF / PF / NPSIncludes retirement balances (provident fund, NPS) in the overall picture. | |||
FDs, bonds & debtFixed deposits, bonds and debt instruments with maturity and cashflow context. | |||
Broker-agnosticWorks with any broker, or none, so you are not tied to one app's order flow or product shelf. | |||
Multi-account / familyConsolidates several logins (self, spouse, HUF, parents) into one combined view. | |||
| Analytics and insight | |||
XIRR / true returnsTime-weighted / cashflow-aware returns (XIRR), not just a naive absolute P&L. | ● | ||
Capital-gains / taxRealised gains, STCG/LTCG breakdowns and tax-readiness for filing. | |||
Household-level analysisStress tests, liquidity ladders, real (after-tax, after-inflation) return and concentration risk, worked out across everything the household holds. | |||
Per-holding status & alertsFacts about each holding, such as concentration, the fall from its 52-week high or an unused tax exemption. Never buy or sell advice. | |||
Screeners & researchFilter the whole market on fundamentals/technicals to find new ideas. | ○ | ○ | |
Options analyticsOption chains, Greeks, open-interest and strategy building for F&O traders. | ○ | ○ | ○ |
| Posture and trust | |||
Trade executionPlace real buy/sell orders inside the app. | ○ | ||
Independent (no ads / no product push)No ad surface and no incentive to sell you funds, brokerage or managed products to make money. | |||
Privacy postureHow much access the tool needs at all: broker credentials vs. a statement you import, and whether it scrapes your inbox. | |||
Works without a live sessionNet worth and history stay visible, and prices keep updating, when you are not logged in to your broker. | |||
Yes Partial, tap or hover the dotted marks for the caveat No N/A