Where the three differ
Each cell about FOLO or TrackMyNetWorth comes from that product’s own pages, read in October 2026. “Not described” means the product’s pages do not say, which is not the same as “no”.
| Dimension | FinCharya | FOLO | TrackMyNetWorth |
|---|---|---|---|
| How holdings get in | A CAS PDF, a broker file, or typed in. Every broker and fund house. | Account Aggregator consents. Nothing is typed in. | Typed in; Zerodha Kite sync on the paid plan. No CAS import described. |
| Where your statement goes | Read in your browser. The file and its password never leave your device. | No statement. Your account data is fetched to FOLO’s servers under consent. | No statement. Holdings are entered by hand or fetched from Kite. |
| What stays connected | Nothing. No broker login, no bank link, no inbox access. | Live Account Aggregator feeds, until each consent expires or you revoke it. | A Zerodha Kite connection, on the paid plan. |
| Who has to sign up | One person, for the household. | Each person whose accounts are shown. Up to four people can view a snapshot. | One person; two members on the free plan, unlimited on the paid one. |
| Who runs it, and what they sell | WebAkshar Solutions Pvt Ltd, Jaipur. A subscription, and nothing else. | Finuture Technologies, a SEBI-registered investment adviser. Free; no revenue model published. | Not stated on the site. A subscription, through Razorpay. |
| The free plan | One person, unlimited accounts, 12 months of history, 2 open goals. | Everything, on iOS and Android. | Two members, 90 days of history, manual entry. |
| Your data out | Export or erase on request, under the DPDP Act. CSV any day. | Consents are revocable; export and erasure terms are not described on its pages. | Not described; the FAQ entries on data safety have no answers. |
| At tax time | Realised gains by financial year, as a sheet for your CA to check. FinCharya does not compute your tax. | Not described. | Not described. |
| Where it runs | The web, and as an app on your phone’s home screen. | iOS and Android. | The web. |
The privacy angle, spelled out
The most sensitive thing a household owns is not a number. It is the document the number came from, with its folio numbers, demat IDs and the password that opens it. In FinCharya that document is opened and read in your browser. What reaches FinCharya is the list of holdings you approve in the preview, and only that. FinCharya never asks for your inbox, your messages or a broker password.
FOLO takes a different route, and an honest one: the Account Aggregator framework is regulated by the RBI, the consent is read-only and you can revoke it. But it is a live connection. For as long as the consent lives, your account data flows from your banks and fund registrars to FOLO’s servers, and each family member has to grant their own. TrackMyNetWorth holds a Zerodha Kite connection on its paid plan; its site does not say who operates it, and the questions in its FAQ about data safety and broker credentials have no answers under them.
FinCharya’s own record is written down, not implied. Your ledger’s primary database is hosted in AWS Mumbai. Two things sit outside India. The app server runs in Singapore and keeps a working copy. And email: the verification link, the password reset and the optional Sunday digest go through an email service in the European Union, and the digest stays off until you switch it on. You can take a full copy of your data or have it erased, as the DPDP Act, 2023 gives you the right to. The privacy policy has the whole of it.
Free for one person, and what that means
Individual is free for as long as you use it, not a trial that turns read-only. One person, every Indian asset class, unlimited accounts and imports, your real yearly return, official closing prices every evening, and 12 months of history. You pay only for more people and for the research layer on top. You never pay to look at your own money.
FOLO is also free, and has no paid tier at all today. Its operator is a registered investment adviser and its app describes “intelligent recommendations”, so advice is the likely business model; in January 2026 its founders were quoted saying no revenue model was in place yet. TrackMyNetWorth’s free plan is two family members, 90 days of history and manual entry. FinCharya’s free plan is the whole of one person’s money, with a subscription as the only way the company earns.
At tax time, honestly
FinCharya lays out the year’s realised gains by financial year, with the sale rows and dividends, as a sheet your CA can work from. That is where FinCharya stops. Computing tax in India means grandfathered costs, indexation rules that have changed more than once, set-offs, and whatever this year’s Budget altered. That is a chartered accountant’s work, and FinCharya does not do it or pretend to. Neither FOLO nor TrackMyNetWorth describes any tax reporting.
Where they are better
FOLO is automatic. Two OTPs and the accounts flow in and keep flowing, with no file to fetch. It shows bank balances, credit cards and insurance policies, which FinCharya does not. It is a phone app, and reviewers like its net-worth certificate.
TrackMyNetWorth syncs Zerodha Kite on its paid plan, with Groww on the roadmap; it allows unlimited family members there, offers a money-back guarantee, and lets an AI assistant be asked about the portfolio.
FinCharya has none of those. It is a desk-first web app that you bring statements to, a few times a year when holdings change, and it keeps the household’s books between visits.
Who should pick what
Who is FOLO the better fit for?
One person with one phone, who wants the accounts to flow in automatically and at no cost.
Who is TrackMyNetWorth the better fit for?
A Zerodha household that wants an inexpensive private total and a broker sync.
Who is FinCharya the better fit for?
The one person who does the money for several people, across several brokers and folios, who wants nothing connected and a sheet for the CA.
The full capability matrix, with every caveat and source, is on the compare pages: FinCharya vs FOLO and FinCharya vs TrackMyNetWorth.