Individual is free, forever. Family is for the whole household.
Seeing what you own, every Indian account in one number with the whole tax year, is free and stays free. Family adds the household, the Wealth Lab, foreign holdings and the Sunday digest for ₹3,999 a year + GST. Two plans, no add-ons, one renewal date.
No card. No clock. Individual never ends.
Two plans. The first is free forever.
Nothing is sold beside them: no seasonal pack, no add-on on its own clock. Prices are in rupees, per year, and exclude GST. Billing opens soon. Until then, Family is open to any account that asks for it, and every account opened before billing starts keeps the founding price.
Individual
Your whole Indian portfolio in one number. Free, forever.
- One net worth across equity, funds, EPF, deposits, bonds, cash and loans
- Unlimited accounts: a CAS PDF, broker files, and anything you type in
- Holdings, allocation and your real yearly return (XIRR)
- Official closing prices, every evening, with no broker login
- The tax year: realised gains, the estimate, and harvesting room
- In-app alerts, 12 months of history, 2 open goals
- Your data out whenever you want, on every plan
Individual is free forever, not a trial. Nothing expires and nothing turns read-only.
Family
Everyone you look after, and the analysis on top.
- Up to 6 people under one roll-up, with a per-member view beside the total
- The Wealth Lab: stress, liquidity, concentration, tax drag, real return
- Foreign assets and accounts: US stocks, RSUs and ESOPs, priced in rupees
- The tax year for every member
- The Sunday email digest
- Unlimited history and goals
Everything in Individual, for everyone you’re carrying. One price, one renewal.
More than six? ₹399 + GST a year for each extra person, on the same invoice (₹499 once the introductory price ends). Up to 12 people. Prices exclude GST (18%). Unlimited accounts on both plans.
You are the customer, not the inventory.
The founding price, for as long as you stay.
Accounts opened before billing starts keep ₹2,499 + GST a year for as long as they stay subscribed. Not the first year only. Every year. Nothing is charged now and no card is taken; the account you make today is the proof of the price.
Where Individual stops.
Published in full, before you spend an evening on the import. Individual is capped on people, on history and open goals, on holdings outside India and on the analysis layer. It is never capped on your own numbers, on the tax year, or on getting your data back out.
| Feature | Individual | Family |
|---|---|---|
| What you can put in | ||
| Every Indian asset class, in one net worth | ||
| CAS PDF, broker files and manual entry | ||
| Accounts, statements and imports | Unlimited | Unlimited |
| People in the roll-up | 1 | 6, more at ₹399 a year + GST each6 · ₹399/yr each |
| Foreign assets and foreign bank accounts | ||
| What you can see | ||
| Holdings, allocation and real return (XIRR) | ||
| Official closing prices, every evening | ||
| Fund ratings once signed in: FinCharya's own score from past NAVs, method shown | ||
| Liabilities and the maturity calendar | ||
| History and net-worth snapshots | Last 12 months12 months | Unlimited |
| Goals | 2 open at a time2 open | Unlimited |
| Per-member view beside the household total | ||
| The Wealth Lab | ||
| Stress test and liquidity ladder | ||
| Concentration and risk bands | ||
| Tax drag and real return after inflation | ||
| Lot-by-lot holding breakdown | ||
| The tax year | ||
| Realised gains, short and long term | ||
| Tax estimate against this year's limits | ||
| Harvesting against your remaining tax-free room | ||
| The tax year for every member | ||
| Schedule FA and Form 67 for foreign holdings | On the waySoon | |
| Being told, without looking | ||
| In-app alerts: maturities, corporate actions, drawdowns | ||
| The Sunday email digest | ||
| Taking it out, and bringing people in | ||
| Your own data, exported any day (a DPDP right) | ||
| PDF reports you can forward | On the waySoon | |
| Estate and nominee register | On the waySoon | |
| Read-only share link for your CA | On the waySoon | |
Described because we are building it, listed apart because it is not here yet. Nothing below is included in a price today.
- Schedule FA and Form 67 for foreign holdings
- PDF reports you can forward
- Estate and nominee register
- Read-only share link for your CA
Managing several clients’ wealth is a different job. We’re building for it next.
A CA, an RIA or a family office doesn’t need one household’s roll-up. It needs several, each kept separate, with its own entities and its own report under its own name. That isn’t a bigger Family plan, and it isn’t live yet.
Wealth Advisor
For CAs, RIAs and family offices carrying several clients’ wealth, not only their own.
- One workspace, several client books, each kept separate
- Separate entities per client: self, HUF, a trust, the firm
- Seats for every adviser working inside a client’s book
- Reports branded under your firm’s name, not ours
- Guided setup for every client you bring on, and priority support
Everything in Family, run per client. Nothing for client books is live yet.
What stays free, whatever happens.
Your net worth, your holdings, your real return, your imports, the whole Indian tax year, your alerts and your data on the way out. That is Individual, permanently, for one person and unlimited Indian accounts. A complete product, not a sample. FinCharya charges for depth, people and what you hold abroad.
The Wealth Lab: how your money holds up under stress, tax and inflation.
More than your own accounts: a household, its entities, its CA.
The whole tax year, worked out and laid out for your CA, included every year.
Foreign assets and accounts, with the Schedule FA work attached.
A free plan you can stay on for years, and a paid plan that has to keep earning it. See how that compares to the alternatives →