FinCharya vs FOLO.
FOLO is a free account-aggregator net-worth app. FinCharya is the household ledger: every account and asset class in one number, built from statements you already have. Here is how they differ, and where FOLO is the better tool.
The household ledger: one net worth across stocks, funds, US shares, EPF, deposits, bonds, cash and loans, from the statements you already have. Household-level analysis on top, and nothing to sell you.
A free iOS and Android app that pulls bank accounts, mutual funds, loans and insurance through India's Account Aggregator framework into one net-worth figure, with a snapshot you can share with up to four trusted people.
Who should pick FinCharya, and who FOLO?
FOLO is the better pick for one person who wants a free, automatic number on their phone; FinCharya is for the one who keeps the ledger for a household and wants nothing connected, nothing recommended, and a sheet the CA can work from.
Where does FinCharya fit better than FOLO?
- One person keeps the ledger for the household. In FOLO each member links their own accounts and shares a view; in FinCharya you add a parent's deposits or a spouse's folios from their statements, and nobody else installs anything.
- Nothing stays connected. FOLO holds live, consent-based feeds to your accounts; FinCharya reads a statement on your device and refreshes prices from public closing files.
- Nothing to recommend. FinCharya is not an adviser and sells no advice; FOLO is operated by a registered investment adviser and describes 'intelligent recommendations'.
- A desk-first web app with CSV exports, where FOLO is a phone app.
- The year's realised gains laid out by financial year for your CA to check; FOLO describes no tax reporting. Neither computes your tax.
Where is FOLO stronger than FinCharya?
- Automatic: two OTPs and the accounts flow in and keep flowing, with no file to fetch.
- Breadth FinCharya does not have: bank balances, credit cards and insurance policies.
- Free with no paid tier, on iOS and Android, with a net-worth certificate reviewers found handy.
- A regulated operator (a SEBI-registered investment adviser) and an Account Health Scan for nominee and KYC gaps.
FinCharya vs FOLO, line by line.
| Capability | FinCharya | FOLO |
|---|---|---|
| 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. | ||
Two plans, no add-ons, no trial. Individual is free forever, not a runway: one person, every Indian asset class, unlimited accounts and imports, XIRR, end-of-day prices, alerts and the whole tax year, with 12 months of history and 2 open goals. Family (₹3,999 a year + GST) covers six people under one roll-up and adds the Wealth Lab, foreign assets, the tax year per member, the Sunday digest and unlimited history and goals; extra people are ₹399 + GST a year each (₹499 later), up to 12. Prices exclude GST. Billing is not open yet; accounts opened before it starts keep ₹2,499 + GST a year for as long as they stay subscribed. Schedule FA and Form 67, PDF reports, an estate register and a CA share link are on the way, not sold. Wealth Advisor — for CAs, RIAs and family offices. Not built yet.
Free on iOS and Android as of October 2026, with no published paid tier. The operator, Finuture Technologies, describes itself as a SEBI-registered investment adviser, and the app mentions 'intelligent recommendations'; press coverage in January 2026 quoted the founders saying no revenue model was in place yet. FOLO states it carries no ads and does not sell data to brokers.
Sources and method
Capabilities were compiled from FOLO's own pages and reputable reviews, checked in October 2026. Features and prices change often and are promo-driven, so treat every figure as a snapshot. "Partial" marks a real but narrower capability, or one we could not fully verify. Hover any dotted mark above for the caveat.