FinCharya vs TrackMyNetWorth.
TrackMyNetWorth is a indie household net-worth tracker. 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 TrackMyNetWorth 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 small, subscription-funded web app for Indian families: manual tracking of stocks, funds, EPF, PPF, NPS, gold, deposits and loans under one household view, with Zerodha Kite auto-sync and AI access on the paid plan.
Who should pick FinCharya, and who TrackMyNetWorth?
TrackMyNetWorth suits a Zerodha-centred household that wants a cheap private total; FinCharya suits the one with several brokers and folios, a CA, and no wish to connect a broker at all.
Where does FinCharya fit better than TrackMyNetWorth?
- A CAS PDF brings every demat and fund folio in at once, read on your device; TrackMyNetWorth types them in, or syncs Zerodha alone.
- No broker connection to keep alive. FinCharya needs no broker login, and prices still refresh each evening from NSE, BSE and AMFI closing files.
- A named operator, a privacy policy written to the DPDP Act, and export or erasure on request.
- Your real yearly return (XIRR), realised gains by financial year for your CA, and the Wealth Lab's stress, liquidity and concentration views.
- Twelve months of history on the free plan, with no cut-off on accounts or imports.
Where is TrackMyNetWorth stronger than FinCharya?
- Zerodha Kite auto-sync for Pro users, with Groww on the roadmap.
- Unlimited family members on Pro, and a 14-day money-back guarantee.
- MCP access, so an AI assistant can be asked about the portfolio.
- A lower price for the paid plan.
FinCharya vs TrackMyNetWorth, line by line.
| Capability | FinCharya | 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. | ||
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.
Checked October 2026 on trackmynetworth.in. Starter is ₹0 with manual tracking, two family members and 90 days of history. Pro is ₹1,499 a year (a monthly option is offered but its price is not shown) and adds Zerodha Kite auto-sync, MCP access for AI assistants, unlimited members and history and priority support, with a 14-day money-back guarantee. Payments go through Razorpay. No company name is printed on the site.
Sources and method
Capabilities were compiled from TrackMyNetWorth'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.