Every family has one person who does the money.
One honest number for the whole household — and the capital-gains sheet your CA asks for. FinCharya is the ledger built for that person.
Net worth means net.
Everyone’s money is somewhere. Just not in one place.
Your father’s FDs are in a passbook in his cupboard. Your mother’s funds arrive as a statement she forwards to you. Your RSUs sit with a broker that thinks in dollars. Your own demat is the only one with a login you remember.
So the household total lives in a spreadsheet, and the spreadsheet is only right on the evening you rebuild it.
Everyone has to install it, finish their own KYC and tap consent. Your father won’t. Your mother can’t be asked a third time.
Each link covers one person at one bank, and it expires. EPF, usually the biggest number in the house, isn’t on the network at all.
Perfect for the money kept at that broker. Blind to everything else.
No new account. No KYC. No one else has to agree to anything.
Your parents shouldn’t have to install an app.
Every rupee, reconciled.
Bring what you already have: a CAS PDF, a broker export, a passbook line typed in. FinCharya posts it to one ledger and values it from the day’s official records: exchange closes for stocks, AMFI for funds, the receipt for anything that earns interest.
- FATHER2 FDs · PPFinstalls nothing
- MOTHERMF foliosinstalls nothing
- YOUstocks · RSUskeeps the ledger
- SPOUSEdemat · EPFinstalls nothing
- DAUGHTERminor folioinstalls nothing
The account-holders keep their accounts. You keep the ledger.
The boring half is the bigger half.
Seven kinds of holding, every kind of borrowing, one ledger.
Nobody earns a commission on a fixed deposit. Which is why it is always the last thing an app gets around to showing you.
A total that leaves things out isn’t a total.
The screen you don’t have to keep open.
One total is the promise. Not having to keep checking it is the point.
FinCharya watches the ledger between your visits and tells you the few things that moved.
One digest, Sunday morning
Five lines about your own holdings, part of Family. If nothing moved, it says so and stops.
Alerts you switch on, rule by rule
A maturing deposit, a concentration build-up, a thinning cash floor, tax headroom. Each rule is a switch you own.
Quiet by default
Nothing pings you for a price move. There is no daily nag to mute and no red badge to clear.
What you do about any of it is yours. FinCharya keeps the ledger; the judgement stays with you.
FinCharya is not a SEBI-registered investment adviser or research analyst. Status tags and insights are factual observations of your own holdings, shown for information only — not investment advice or a recommendation to buy, sell, or hold any security.
Facts, never instructions.
Your documents stay with you. Here is what doesn’t.
The most sensitive thing you own isn’t a number. It’s the document the number came from, and that document never leaves your machine.
Your statement never leaves the room
Your CAS opens in your browser and stays there. The file, its password, the folio and demat numbers, the name printed on it: none of it is uploaded.
While you review, only the fund and stock identifiers are sent, so each can be named and priced. When you confirm, FinCharya saves the entries you approved: what you hold and how much.
Nothing is saved until you say so
The import shows you every line it read first. Rename, correct or drop any of them before a single one reaches your ledger.
The statement itself is never kept. What’s stored is the ledger you approved, not the paperwork it came from.
Nothing to steal
There is no broker login, no saved password and no permission granted anywhere. The way in is a statement you already have.
A credential that is never created can’t be leaked or misused.
You can leave whenever you want
Export everything, any day, as one open file any tool can read: every entry as stored, not a PDF you’d have to retype.
Delete your account and it goes: the whole ledger, not a quieter copy of it.
Sign in with Google and Google knows you signed in. That’s true of every site. FinCharya keeps its own usage and system metrics: which screens are slow, which imports fail, how heavily the free tier is used. That’s how the service stays up and stays fair.
There are no ad networks and no third-party tracking code on this site. If advertising ever pays for the free tier, it will be labelled as advertising, and it will never be targeted using what you hold.
Your ledger's primary database is in India. The app server runs in Singapore and keeps a working copy. The emails FinCharya sends you go through an email service in the European Union. What we collect, how long we keep it and how to have it erased are in the privacy policy.
Your documents never become our data.
Free where it should be. Paid where it costs us.
In India a household net-worth picture is either a free app’s loss-leader or a family-office feature behind a minimum most families will never clear. That’s packaging, not technology.
So seeing what you own in India is free, permanently: unlimited accounts, every asset class, the whole Indian tax year. FinCharya charges for the analysis on top, which means the whole household, the Wealth Lab, and what you hold abroad. One paid plan, one renewal date, nothing sold beside it.
Individual
For the one person getting their own money into one place. No card, no clock, nothing that turns read-only later.
Everything the paid plan adds, listed in full so you can judge the price before you spend an evening on the import.
Accounts opened before billing starts keep ₹2,499 + GST a year for as long as they stay subscribed.
FinCharya holds no distributor or adviser registration, no broker code and no fund-house relationship. Whatever you pay is for the product, never a cut of what you hold.
You are the customer, not the inventory.
The objections, taken seriously.
Individual is free forever: one person, unlimited accounts, every Indian asset class in one net worth, with imports, holdings, your real return, alerts and the whole Indian tax year included. A complete product, not a sample.
One paid plan, Family at ₹3,999 a year + GST, adds the household roll-up and the per-member view, the Wealth Lab, foreign assets and the Sunday digest, with unlimited history and goals. No add-ons, one renewal date. Accounts opened before billing starts keep ₹2,499 + GST a year for as long as they stay subscribed.