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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.