Question 1

Do I have to connect my bank or broker account?

Accepted Answer

No — and you cannot, because Fintrack Labs has no account-aggregation capability at all. We never ask for your bank, broker, demat or mutual fund credentials, and we have no technical way to read your accounts. You enter your holdings yourself, and we fetch only public NAV and market prices to keep their values current. That is a deliberate design choice: your login credentials are the one thing we can never leak, because we never have them.

Question 2

Is Fintrack Labs Pro a subscription? Will I be charged again?

Accepted Answer

That is your choice, and you make it before you pay. Pro can be bought either as an auto-renewing plan using UPI Autopay, which keeps renewing every 30 or 365 days until you cancel it, or as a one-time payment for a fixed period, which simply expires and can never charge you again. The pay screen shows both, states which one you are choosing, and shows the exact amount and date of the next charge before you confirm.

Question 3

How does UPI Autopay work, and how do I cancel?

Accepted Answer

You approve a mandate once in your own UPI app, setting a maximum amount per period. Your bank will not permit a debit above that amount, and we never see or store your UPI ID or bank details. UPI Autopay also requires a pre-debit notification before every renewal — Razorpay and your UPI app send it, normally at least 24 hours ahead, so a charge should not arrive unannounced. Cancel any time from Settings → Plan, or from the autopay section of your UPI app; either stops all future charges immediately. Cancelling does not cut short the period you have already paid for — Pro runs to its expiry date and then your account returns to the Core plan with all your data intact.

Question 4

If I take the launch price, does it go up later?

Accepted Answer

No — not while the subscription runs. While the first 100-account launch allocation remains open, new accounts pay ₹79 a month or ₹799 a year, and on an auto-renewing plan that price is locked for as long as that subscription stays active: it does not step up to ₹129 or ₹1,299 at any point, and the amount you approve in your UPI app is the amount you keep paying. Two things end the lock, and both are worth knowing before you buy. If you cancel and resubscribe later, the lock does not come back with you — whatever price is current at that point is the one that applies. And a one-time purchase has no lock to keep, because it has no renewal: it covers the period you bought at the price you paid, and buying another period later is a fresh purchase at whatever the price is then.

Question 5

What exactly do I get with Pro?

Accepted Answer

Unlimited asset categories, assets and goals, bank statement import (CSV and password-protected PDF, categorised automatically), live market prices for stocks, US listings and crypto refreshed on demand rather than once a day, your full checkpoint history beyond the 90 days Core shows, the debt payoff planner, display in any currency at live rates, automated portfolio insights and a Pro Score out of 100 across risk, goals, protection and upkeep, goal funding forecasts, FIRE calculators (full FIRE, Coast FIRE and Barista FIRE) that project your financial-independence number and date, and priority support. The retirement planner — which sizes the corpus you need, tells you the earliest age your plan can actually support, and prices retiring five years earlier or later — is free, as are the SIP, lumpsum, EMI, FD and XIRR calculators. The Core tracker underneath — every asset class available, up to 3 asset categories, up to 3 distinct assets in each category, up to 2 goals, expenses, essentials and full data export — is free and stays free.

Question 6

Can I get a refund?

Accepted Answer

Only in specific cases. Pro gives you immediate access to the paid features for the period you buy, so payments are non-refundable once made — including if you change your mind, stop using the app, or forget to cancel before a renewal. Cancelling stops the next renewal and you keep access until the period you have paid for ends, but the unused part of that period is not refunded. We do refund in full where you were charged twice for the same purchase, where Pro was never activated within 24 hours, or where you were charged in error on our side — email us within 30 days of the charge. Full details are on our Refund & Cancellation Policy page.

Question 7

Is Fintrack Labs a SEBI-registered investment adviser?

Accepted Answer

No, and we say so plainly. We are a tracking tool, not an adviser. We do not manage money, execute trades, hold your assets, or earn commission from any fund house or product. Nothing in the app is investment advice — the insights are automated observations about numbers you entered yourself. For advice, please speak to a SEBI-registered investment adviser.

Question 8

How is my data stored and who can see it?

Accepted Answer

Your data sits in an encrypted Postgres database (Supabase) protected by row-level security, so no other account can read it. Traffic is encrypted with TLS. We never sell your data, never use it for advertising, and never share it beyond the small list of service providers named in our Privacy Policy. You can export everything, or delete your account entirely, at any time from Settings.

Question 9

What can I actually track?

Accepted Answer

13 asset classes in a single net worth figure: Stocks & Equity, Mutual Funds, Real Estate, Gold & Silver, FD & RD, Bonds, EPF / PPF / NPS, Crypto, International, Employer Stock, Cash & Savings, Commodities and Other. Mutual funds, Indian equities, US listings and crypto are priced automatically; everything else you value yourself.

Question 10

How do I pay?

Accepted Answer

Choosing a plan opens a secure checkout provided by our payment partner, Razorpay, over this page, and which of the two you are buying is stated there before you pay. AUTO-RENEWING — pay with UPI Autopay. You approve the mandate once in your own UPI app, and Pro then renews automatically every 30 or 365 days at the price you approved, until you cancel it from Settings → Plan or from the autopay section of your UPI app. ONE-TIME — prefer not to subscribe? A single UPI payment. Pro stays active for the period you bought and then expires by itself: no mandate, and no future charge. Either way we never see or store your UPI ID, card or bank details.

What's included	Core	Pro
13 asset classes available; use up to 3 categories and 3 distinct assets in each	Included	Included
Live mutual fund NAV, refreshed daily	Included	Included
Daily net worth checkpoints, 90 days of history	Included	Included
Up to 2 goals, insurance essentials and expenses	Included	Included
Full data export, any time	Included	Included
Unlimited asset categories, assets and goals	Not included	Included
Bank statement import — CSV and PDF, auto-categorised	Not included	Included
Live market prices on demand — stocks, US listings and crypto	Not included	Included
Unlimited checkpoint history	Not included	Included
Debt payoff planner — snowball, avalanche or custom	Not included	Included
Portfolio analytics — XIRR, concentration, best and worst holdings	Not included	Included
Achievement badges & milestone coaching	Not included	Included
Display in any currency, at live rates	Not included	Included
Automated portfolio insights & Pro Score (0-100)	Not included	Included
Goal funding forecasts	Not included	Included
FIRE calculators — FIRE, Coast FIRE and Barista FIRE	Not included	Included
Priority support	Not included	Included

Every investment you own, in one net worth dashboard.

This is the dashboard. No mockups.

Your dashboard, with the analysis already done.

Everything Pro unlocks

Priced live. Not yesterday's.

Core is free to use. Pro when you want it.

Before you sign up.