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Personal finance and investing apps

Alternatives to YNAB

The other picks for personal finance and investing apps, each with when to pick it and its price as its maker's page states it. YNAB is on its own page, with its price and who on eChai uses it.

  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
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