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Personal finance and investing apps · checked 11 November 2026

Fold to track spending; Zerodha or Groww for Indian stocks and mutual funds; INDmoney for a small slice of US stocks.

Fold reads your bank accounts and cards through the Account Aggregator framework and is free to track; pick YNAB at $109 a year if you want a strict budget instead. For mutual funds any app selling direct plans with no commission will do, so check the fund name says Direct, not Regular. Money sent abroad for US stocks counts against the RBI's $250,000-a-year Liberalised Remittance Scheme limit.

The picksPrices as each maker's page states them

  1. 1
    Fold

    Spending tracked on its own from your bank accounts and cards

    Tracking free; Fold Plus ₹349 a month, ₹799 a quarter or ₹999 a year as in-app purchases Read from apps.apple.com on 10 November 2026 Free: Connecting accounts and tracking are free
  2. 2
    Zerodha

    You trade Indian stocks and want direct funds in Coin

    ₹0 brokerage on equity delivery and direct mutual funds; intraday ₹20 or 0.03% per executed order, whichever is lower; flat ₹20 per options order Read from zerodha.com on 10 November 2026 Free: Equity delivery and direct mutual fund investments are free of brokerage, with no commission or DP charges on direct funds
  3. 3
    Groww

    The simplest app for direct mutual funds and SIPs

    ₹0 account opening and maintenance; equity brokerage ₹20 or 0.1% per executed order, whichever is lower, minimum ₹5; direct mutual funds at zero charges Read from groww.in on 10 November 2026 Free demat account with no maintenance charge; direct mutual funds at zero charges
  4. 4
    INDmoney

    US stocks and ETFs from India, as a small slice

    US stocks: zero account opening, maintenance, platform and withdrawal fees; 0.25% brokerage per trade; bank forex conversion 0.5% to 1.2% Read from indmoney.com on 10 November 2026 Free: No opening fee and no minimum balance; invest from $1 in a US stock
  5. 5
    YNAB

    You want a strict budgeting method, not just a record

    $109 a year (shown as $9.08 a month) or $14.99 a month, plus tax where applicable Read from ynab.com on 10 November 2026 Free: 34-day free trial, no credit card required

Every question on it 9 answers

  1. Which app should I use to track my personal expenses? Wealth
  2. Which app should I use to invest in Indian and US stocks? Wealth
  3. Can I use AI to plan my personal finances and investments? How Founders Use AI
  4. Which platform should I use to buy mutual funds without paying commission? Wealth
  5. How do I buy US stocks from India, and is it worth the hassle? Wealth
  6. What tools should I use to track and manage my money in India? Wealth
  7. How do I see all my investments in one place instead of ten different apps? Wealth
  8. Are the free online goal-planning calculators any good, or should I pay for a tool? Wealth
  9. How do I track my startup ESOPs and equity alongside my mutual funds and stocks? Wealth

The readingMost used across these answers

The terms

Account Aggregator

eChai Partner Brands The partnership →